The Very Best Loans with Loantra

Short-Term Loans

Apply Today to Borrow up to £995

*Online decision

*Responsible lenders

*Rates from 278% to 1576%

*3-12 month repayment

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Personal Loans

Apply Today to Borrow up to £25,000

*Instant Decision

*60-Second Application Form

*Rates from 4.7% to 278%

*3-36 month repayment

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What Loantra can do for You

Need a Loan Today? Here Are Your Options

Need a loan today? Like… right now?

Don’t worry – you have plenty of options. And none of them is going to involve getting yourself into financial trouble…

Let’s break down a few options.

Payday Loans

Payday loans are the go-to option for people who need a loan today. These are loans that will be deposited into your account within the hour – often in minutes – and that let you enter your details and receive your decision entirely online. Just fill out a form, decide the terms you want to set and then withdraw the cash!

These loans will typically involve smaller amounts of money – a few hundred to a few thousand pounds – but they are also intended to be paid back in a few weeks. This is important because these loans come with a rather large APR attached – sometimes as high as 400%!

As long as you can make the repayment promptly though, payday loans are a quick fix that will often only cost you $15-$30. Worth it if it means you can avoid missing your rent!


Installment Loans

Installments loans are just like payday loans in the way they operate but involve slightly more cash. Like payday loans, there is no need to get a credit check in many cases and you can calculate the costs and withdraw the cash right then and there.

The difference is that installment loans involve a little more cash and have a slightly lower APR – around 50% in many cases. What’s more, is that the loans will be paid back in a series of installments – and this makes them ideal for those trying to repair a damaged credit rating.

This is another good solution if you need a loan today!


Did you know that PayPal offers loans? It’s not going to be for everyone but if you use PayPal regularly, then the company might offer you a loan based on that history – meaning your credit history doesn’t have to get involved. Repayments are debited from money coming into your PayPal account automatically too, so you’ll never be left out of pocket and it will have no impact on your credit score. Once again, it’s an immediate process which makes it great for those who need payday loans today.

Secured Loans

You can use all manner of assets to secure your loans but if you need a loan today, then you’ll need to ensure it’s something that you can get quickly and you’ll need to work with the right company. In some cases though, a title loan is something you can get right away. This involves transferring the ownership (called the ‘title’) of your vehicle to a lender. They then technically own the car until you pay off the amount and thereby ‘buy back’ your vehicle. Because the company has this guarantee, it can offer you the money right away and with no need for a credit check.

These are just some of the ways you can get funds if you need a loan today. So what are you waiting for?

See How We Compare to Our Competitors

Loan amount
£500 - £20,000
Loan term
12 - 60 Months
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Loan amount
£500 - £100,000
Loan term
1 - 18 Months
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Loantra is a licensed credit broker and not a lender.

We will never charge you for our service and the lender will not increase the rate to cover our fee to them.

We work with over 40 different lenders to bring you the very best rates from across the UK market.

Representative 305.9% APR. Representative example: £400 borrowed for 90 days.

Total amount repayable is £561.92 in 3 monthly instalments of £187.31.

Interest charged is £161.92, interest rate 161.9% (variable)

Warning: Late repayment can cause you serious money problems. For help, go to

Do not borrow more than you can pay back as defaulting on payments can lead to serious monetary problems.

Any collateral you have against the amount may be at risk of repossession.

5 most recent personal loan reviews

Review of Natwest

My personal loan from NatWest was planned in advance because I like to do plenty of research before committing to something as important as a building extension. I wanted to make sure the loan would be possible and that it was at a competitive rate before I started employing architects and builders. I was in regular contact with our local branch’s loan adviser and they finally sorted out a very good loan for me and once that was agreed I got on to the job of planning this extension. We’d already had the go ahead from the local council so it was all systems go once that all important loan was finalised. Sometimes it’s best to deal with your own bank for such an important loan and I am pleased that I entrusted NatWest with my loan.

Review posted by Wayne Crouch, Plymouth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of U Switch

In our position your company treats us well. We have the income but unfortunately due to circumstances beyond our control our credit rating is bad. Thank you Uswitch for giving us a chance.

Review posted by Neil Morrison, Perth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Wonga

Suprised at ease of application. Never wanted to use these kind of things but had a very tough month and needed a few pounds before payday. After checking different options I found the small amount to payback manageable and it’s all payed back 2 days after payday. Easy process with quick response.

Review posted by Anthony Bell, Chelmsford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

All reviews have been sourced from Trust Pilot to ensure authenticity of testimonials.