Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

Fast Loans for Quick Cash until Payday

Effective money management strikes an even balance between your income and your outgoing financial responsibilities. Despite your best efforts to stay on the up side of this cash flow cycle, the delicate balancing act sometimes pits your paycheck against impossible odds. Relentless financial demands may even leave you short on cash. When spending pressure mounts, fast loans provide online finance solutions you can count on for relief.

Personal savings serve as a financial safety net for families fortunate enough to have money set by for a rainy day. If you’ve fallen behind, building a nest egg, yours may be among the many UK households operating without enough savings in reserve. When you don’t have adequate savings to fall back on, a minor financial hiccup can ripple through your finances, causing cash flow wrinkles that leave you skint. Fast loans furnish quick cash when you need money in a hurry, and don’t have time for a drawn-out application process.

How much would you like?

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Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable). 

How Do I Get a Fast Loan?

Online lenders provide fast loans for urgent spending demands. The quick cash helps users address everything from unexpected car repairs, to everyday bills and expense. Because they are offered online, rather than originating from brick and mortar banks, fast loans have a distinct advantage over traditional credit products – the speedy loans provide cash without delays.

fast loans

When there’s no time to wait-out approval, submitting an online applications is your first step toward fast funding. The app takes only minutes to complete, preparing omacl’s lender network with the information needed to evaluate your fast loan request. Basic eligibility requirements apply; in order to be considered for fast loan you must;

  • have a current account;
  • be 18 years old when applying;
  • reside in the UK;
  • have a source of full-time or part-time income for repayment.

In addition to general eligibility requirements, lenders may ask for basic information about your earnings and employment history, as well as your legal name, current address, and banking details. The streamlined application process yields speed and convenience, so fast loans are a good choice when you can’t afford to wait for answers. Once approved, you can expect money transferred to your current account without delays.

How Does Omacl Compare?

Why Use Us?
How much can I borrow?
Up to £5,000
No hidden fees
Chance of getting approved?
High approval
What are the repayment terms?
1 - 36 Months
No paperwork.
How do I apply?
Apply Online
2 min Application
Do I need to pay back a lump sum?
Easy repayments

Benefits of Better Budgeting

Many British workers live from payday to payday, unable to build substantial savings, beyond their monthly earnings. The condition isn’t always problematic, but without emergency savings on hand, unexpected expense and poorly timed bills can cause financial shortages. Fast loans provide timely solutions, when your cash flow slows, but a better budget may be enough to keep you flush between paychecks. If your personal finances need reinforcing, consider a few of the benefits of working out a household budget.

  • Accountability – Spending accountability is one of the most important aspects of long-term financial health. Until you know exactly where your money goes and own-up to personal spending decisions, it’s hard to make financial headway. Working out a budget cuts to the heart of your finances, shining a light on negative cash flow trends and unwise spending. If you’re employed full-time, yet struggle making ends meet, better budgeting can help you find financial balance and accountability.
  • Savings – The first step, working out a budget, is tracking your spending for at least a month. The process not only instills discipline, but may also uncover substantial room for savings. Do you spend more than you should on fashion? Is your weekly supermarket shop a source of financial waste? Are costly pub visits more than you can afford? Whilst a fast loan or even a bridging loan can help you in a pinch, making a budget puts your spending habits to the test, highlighting ongoing opportunities for you to save money.
  • Proper Planning – Spending demands ebb and flow, so your finances don’t always unfold at an even pace. Without a budget to guide your spending decisions, you may get caught out by a poorly timed bill or another unanticipated expense. Fast loans can help you meet financial demands, when your income doesn’t quite stretch to cover all your outstanding obligations. With a budget in place to reconcile spending and properly plan for expenses, you may be able to avoid financial shortfalls.


Access to fast loans provides a valued safety net for UK customers looking to borrow the money, offering quick cash when you need it most. If you experience frequent shortfalls, budgeting can help protect you from financial crisis, delivering a proven money management tool to keep your finances on track.

fast loan

Does a Fast Loan Require a Credit Check?

The online application process for fast loans is designed for speed, so lenders use a “soft” credit check to pre-approve applicants. The streamlined approach can save valuable time when you need money in a hurry. Online providers may also have greater flexibility approving loan requests than other lenders do, because fast loans are relatively small and your paycheck guarantees repayment.

When you apply for traditional financing at banks and building societies, lenders may require deep documentation, on top of running a comprehensive credit check. The in-depth process not only takes a long time, but also yields disappointing results for applicants with a poor credit record. UK lenders online recognise the need for speed, so they provide fast answers – even when other lenders have turned you down.

Although you may qualify for fast loans with an imperfect credit history; protecting your credit score is still important. Whether you’re just getting started building credit references, or repairing a damaged credit file, use these tips to boost your credit score.

  • Pay on time, every time – Credit reference agencies such as Experian and Equifax continually monitor your credit performance, noting transactions and finance developments, such as new credit lines and payments on existing accounts. If you expect to compile a good credit score, it’s essential to follow through with timely payments. Paying late rapidly erodes positive credit references, so if you anticipate a problem meeting payment deadlines, a fast loan can help you stay current. When you do see financial trouble on the horizon, it’s a good idea to approach creditors before you’re late. It may be possible to avoid negative credit reporting, by working out alternate payment arrangements.
  • Avoid overutilising your available credit – There’s more to managing money than paying on time – you must also make prudent spending decisions and handle available credit with discretion. Though you may have extensive credit resources available to you, overutilising credit can work against your credit score. To avoid penalties in your file, don’t max-out your credit card and refrain from opening unnecessary accounts.
  • Regularly check your credit score – You’re entitled to review your credit file for free, once a year, with each credit reference agency. Checking in periodically ensures there are no false entries or inaccurate information in your file. When you apply for fast loans and other types of credit, mistakes in your file undermine your true credit score, which may interfere with prompt approval. Regular review uncovers errors and also helps you set goals for improving your credit outlook, allowing you to track your progress, strengthening your score.
  • Satisfy debt balances – It’s one thing to pay on time, but you must also carry through until you’ve completely satisfied debt balances. Whether it’s your mortgage or a credit card account, wiping the balance ultimately has a positive effect on your credit score.
  • Open only as much credit as you need – Credit companies compete for your business, so you may receive credit offers from various sources. Though you may be tempted to take advantage of introductory offers or expand your selection of store cards, it’s better to pass on credit you don’t need. If you require quick cash at a later date, fast loans can help you overcome short-term spending challenges. In the meantime, opening unneeded credit can have a negative impact on your credit score.
  • Space out credit applications – Each time traditional lenders pull a “hard” credit check, it leaves a mark on your credit file. Too many applications within a short time can significantly downgrade your score. Soft checks for fast loans may not have the same impact, but you should still avoid submitting multiple credit applications in a small span of time. Instead, let omacl loan brokers connect you with a preferred lender, ready to fund your loan.

Fast loans are a go-to finance option for UK workers in need of timely cash. When your financial circumstance don’t allow for delays, the online finance alternative provides a speedy source of money. Fast loans are funded without delays, furnishing direct deposits to your current account, and the proceeds are not restricted; you can spend the money as you wish. For convenient, flexible access to money between paychecks, consider the benefits of fast UK loans.

Omacl on the FCA Register

Omacl is a registered trading name of Chojin Ltd and is authorised and regulated by the Financial Conduct Authority (FCA). You can view our registration status via reference number 732880.

Free Financial Advice

If you are struggling with debt or are unable to make your loan repayments, please visit the websites below. All of them offer free, impartial advice.

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