Urgent loans for emergencies
Royal Wootton Bassett loan broker

Emergency loans and Urgent loans

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Need to borrow money urgently for an emergency? To find out how much an emergency payday loan or short term loan could cost, complete your details and you will get a personalised urgent loan quote . Emergency urgent loans are available for young people and people with a bad credit history.

What is an emergency Loan?

Emergency Loan

Emergency loans are for people who have an urgent need to borrow money quickly. They are often used for urgent car repairs or for unexpected bills. Money is paid directly into your bank account, usually on the same day. For Payday loans, the interest rate is much higher than other types of loan and must be repaid as one lump sum payment, usually within 30 days. Urgent loans are designed to cover a temporary shortfall or financial emergency until your next pay day.

Urgent Short term Loans

It may be worth considering a short term loan for an emergency. These are paid back over a longer period (up to a year) and are in smaller, more manageable installments.

Why do I need an emergency Loan?

Urgent loans are for people who suddenly face an unexpected need for a lump sum of money. There are many reasons this may be the case, such as a motor accident. Your car may be off the road meaning that you cannot get to work or take children to school. A Payday loan or short term can provide easy access to credit, even if you have a bad credit record. High Street Banks are unlikely to lend to borrowers with a poor credit rating, such as county court judgments (CCJs), defaults or arrears, but Payday loan companies will often take the risk because of the smaller amounts involved and the fast payback time.

WARNING. Payday loans are often taken out by people who cannot afford them or who may already have other debts. There may not be enough income to repay the new loan and you could get caught in a spiral of debt that is rising.

Am I eligible for an urgent Loan?

Looking for a loan under £25000?
urgent emergency loans

To be eligible, you need to be a minimum of 18 years of age, be a UK resident, have a valid UK bank account, are employed and receive a regular pay cheque

At 1st Loan, we introduce to brokers who specialise in Payday loans for people who have an immediate financial requirement, such as a car repair or an unexpected bill that they need to pay now and can comfortably repay when they get their next salary paid The terms of any loan offered will depend on your circumstances. You can apply for a payday loan up to a maximum of £1,000. You can apply for a loan today even if you have a bad credit record. Loans are available only to UK residents over age 18, in employment with salary paid into their bank account.

Who should consider a short term loan?

Taking on a short term loan is something that needs to be fully thought through. It should only be considered in an emergency situation. Short term loans should only be used for temporary money problems; they are not meant to be used as a long term solution. However, if you believe that a short term loan is right for you and you are confident that you can make the repayments on time, please complete the short application form.

How much will a payday loan or short term loan cost me?

You need to complete the short application form to find out how much a loan will cost you.

Please make sure a payday loan or short term loan is right for you before taking it out. You should always think very carefully before committing to any form of credit or borrowing money.

Please remember that Payday loans should only be used for very short term financial needs. Short term loans are not suitable for long term borrowing

Financial Difficulties

If you're trying to manage existing debt or in financial difficulty, consider what your options are before you borrow. For further help on managing your money visit the Money Advice Service.

Further Information

Further information on low income loans: Gov.uk information on Budgeting Loans
Credit Reference Agencies Experian Equifax

Our fast, secure application forwards your enquiry to a broker who has access multiple lenders. They aim to find you the cheapest loan based on your personal circumstances.

For short term loans, payday loans, car loans, unsecured homeowner loans
  • The broker's smart loan search does not affect your credit rating
  • It aims to find the lowest rate available to you
  • Secure, two minute application

Loans for homeowners available.
Loans from £3,000 to £20,000 over 3 to 10 years


Who might need an emergency payday or short term loan?

  • I have bad credit
  • I am self employed
  • I am on a low income
  • I am young aged 18, 19, 20 or 21
  • I am a tenant
  • I want a car loan
  • I have a poor credit history
  • Vehicle loan for motorbike or caravan
  • I am renting
  • I am on a blacklist
  • I need immediate fast loan
  • I need money paid in bank today
  • I want a guarantor loan
  • I need a short term loan
  • I need a payday loan
  • I want a personal interest rate
  • I want an unsecured homeowner loan

Important Information

This is the bottom line. As a company, we only get paid if your loan is paid out. The broker will endeavour to find the most suitable loan or plan for your individual circumstances. The broker will do everything they can to get your loan paid out as quickly as possible.

If you are looking for a new loan to replace other forms of credit, such as credit cards, Hire Purchase or other loans, you are advised that the duration of the new loan will be longer or the total amount payable will be higher than your existing arrangements

Contact us   Terms & conditions

Copyright © 2020. 1st Loan is a trading style of Joel Malach. We are authorised and regulated by the Financial Conduct Authority. Firm registration number 720851. Data Protection Licence Number: Z8904952. Registered Office: Warwick House, Lowes Road, Bury. BL9 6PJ

1st Loan may receive a fee/commission for either referral or completion of your loan application.
We are an authorised credit broker and not a lender that has access to multiple lenders across the UK. We cannot lend you finance ourselves - only refer you to a lender who can. 

1st Loan is a responsible broker, and as such, would not be able to help if you are looking for us to pay out a loan to someone who is unemployed or receiving benefits as a primary income, who is in financial difficulties or cannot afford to make full loan repayments.
Please see our Responsible Lending Code of Practice for further information or for contact details of organisations who can help people in financial difficulties
Please read our Treating Customers Fairly Policy which shows our commitment to treating our clients fairly and meeting their expectations of high quality service.

1st Loan is not a lender and does not make credit decisions. 1st Loan introduce loan enquiries to a broker (TdotUK Limited) that matches customer applications with lenders in their network based on the information provided, in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to provide amounts up to £5000. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates.

Loans are subject to lenders requirements and approval
Although lender searches will not affect your credit rating in any way, if you are accepted by a lender, they may carry out a full credit search in order to assess your ability to repay