How It Works

From a two-minute form to an instant online decision – and, if a partner lender accepts you, money in your account usually within about 15 minutes.

Step by step

  1. About 2 minutes

    Fill in one short form

    Tell us how much you'd like and for how long, then a few details about you, your home, your income and your monthly outgoings. There's no paperwork to upload and no payslips to find – your honest best estimate of your income and spending is all we ask for.

  2. Seconds

    We search our partner lenders

    We pass your application to the partner lenders on our panel. They try to match the amount and term you asked for, and the lender that comes closest is the one we show you. This uses a soft search, so it won't affect your credit score and other lenders won't see it.

  3. Instant

    You get an instant online decision

    You'll see the result on screen straight away. If a partner lender can help, we take you directly to their website to continue.

  4. A few minutes

    Review your offer on the lender's website

    Your partner lender shows you the loan it can offer. Nothing has been recorded on your credit file as an application yet, so you can look it over and decide. If you choose to go ahead, the lender will tell you that it's about to make a full credit check, which will show on your credit file, and may text you a security code to confirm your mobile number.

  5. When you're ready

    Read and sign your agreement online

    Before you sign, your lender shows you exactly what you'll repay, when, and the total cost. Take your time – and if you change your mind, you have 14 days to withdraw.

  6. Average 15 minutes

    The money is sent to your bank

    Most customers receive the money in about 15 minutes. Depending on your bank it can take a little longer, so please allow up to an hour.

Who does what

Cheque Centre is a credit broker, not a lender. That means two companies are involved in your loan, and it helps to know which does what.

Cheque Centre

  • Takes your application
  • Searches our panel of partner lenders
  • Gives you an instant online decision
  • Never charges you a fee

Your partner lender

  • Runs the full credit check
  • Sets the interest rate and terms
  • Gives you your loan agreement
  • Sends you the money and collects your repayments

Our service is completely free – you never pay Cheque Centre anything. We're paid a commission by the partner lender only if we arrange a loan for you, and the amount can vary between lenders. Commission plays no part in which lender you're matched with – our system simply looks for the closest match to what you asked for.

What you'll need

  • your personal details and address
  • roughly what you earn on your own, and your total household income
  • roughly what you spend each month on things like rent and utility bills
  • the account number and sort code of the bank account you'd like the money paid into
  • a mobile phone, in case your lender texts you a security code

That's all – you won't need to give in-depth details or exact figures.

You must be 18 or over and live in the UK.

If we can't find you a lender

It happens, and it isn't a judgement on you – each lender has its own rules. If we can't find a match, you'll see our decision on screen, with a general explanation of how lending decisions are made. The page may also show adverts from lenders outside our panel. Those lenders haven't seen your application, and an advert doesn't mean you've been pre-accepted. They're entirely optional, and we may be paid if you take one up.

Because our search is a soft search, it won't have affected your credit score. Circumstances change, so you're welcome to apply again after 30 days. In the meantime, if money is tight, free and confidential help is available from MoneyHelper.

Not sure which loan is right? Compare our loans, or read about payday loans and 12 month loans.

49%Representative APR

Representative example: £1,500.00 borrowed for 12 months. Monthly repayment is £154.12, total repayable is £1,849.47. Total cost of credit £349.47. Representative 49% APR. Credit broker not a lender. All loans are subject to status and only available to UK residents over the age of 18. Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Ready to start?It takes about two minutes, and checking won't affect your credit score.

Apply Now