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How it Works | Uloan

How it Works

uLoan is committed to making the process of finding the right payday loan for you as painless as possible. You simple tell us how much you need, tell us the term and fill out the form. If you are successful we find you the right loan and hand you over to the lender.

We work completely online. We have interim permission from the Financial Conduct Authority and we are registered with the Information Commissioner.

There are no hidden charges. We treat all our customers fairly. We would never encourage anyone to take out a loan if they are already in financial trouble.

For ease and simplicity uLoan cannot be beaten. Apply on any device, any time from anywhere.

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7 days

You pay back:     £352.80
Total loan cost: £72.80*

IMPORTANT: uLoan IS NOT a lender. uLoan IS a licensed broker. We work only with the UK’s top direct lenders. We aim to find you a short-term loan at the very best rates. We compare dozens of lenders instantly – and it is quick, easy and best of all FREE.

WARNING: Missed or late repayments will cause you serious money trouble. Need help? Go to

SECUREYou data is safe – 100%, all the time, forever.

We have built unrivalled relationships with lenders. They trust us and we trust them. We will find you the best deal on the market.

uLoan uses a system of algorithms to match your needs to the loans available. We are a broker not a lender. We don’t charge for this service. Not a penny. We match the loans on the basis of your preferences, the products available and the application. The commission the lender pays us does not affect the loans we show you.

We won’t charge you and no firm or organisation linked to us will ever ask for payment or to buy products in advance of you receiving your loan. To learn more about cold-callers and how to deal with them click here.

Instant cash loans from £80 to £750

Get an instant decision online and payment direct into your account.

Click to Apply

Consumer Advisory: uLoans is a matching service. We take the information you provide and match it up to a lender. Upon approval, the lender may need more information from you. They will collect this via their website, email or the phone.

Terms, conditions and policies are different depending on which lender you use. Late or missed payments are likely to mean increased fees and interest rates.

Not all lenders will offer up to £750 in payday loans, and not all applicants will be approved for the full amount they want. Loan repayment periods vary by lender also. Lenders are likely to use collection services for non-payment of loans.

Representative 1223.6% APR

Representative Example: 1223.6% APR variable. £100 borrowed over 30 days would equal total borrowing of £124.00. Actual Interest is 24%.

Note: the APR you pay may differ depending on the lender that accepts you.

© Atlantic Square Ltd 2019 | Registered In England No. SC182075 is authorised and regulated by the Financial Conduct Authority. Interim Permission Number: 659330. Data Protection Reg: ZA007304

Address: Caledonia House, 89 Seward Street, Glasgow, G41 1HJ.

*Fund transfer times may vary based on the matched UK money lender, time of day applied and your bank.