Do you need a loan now?

£100 to £5,000 paid out by 11:09pm*

Fast 3 to 36 month loans.

  • 60 Second
    Application
  • Instant Decision
  • No Fees,
    Ever!
  • All Credit Scores
    Considered
Quick Eligibility Check

Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

Will you be approved?

Representative APR 49.9%.

Representative Example: £1200 borrowed for 18 months. Total amount repayable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9.% pa (variable). Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 36 months. Subject to lender's requirements and approval. *Once approved, your cash could be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Upwards is a registered trading name of Upward Finance Limited which is an Introducer Appointed Representative of Flux Funding Limited, who are a credit broker, not a lender.

I need money now

If you are in the situation where you need money now, you don’t want to be bogged down in lengthy applications or have to fill in lots of paperwork. Upwards has a really simple application process, where you do not have to send any paperwork at all. Our direct lender partners understand that you may need money fast and our partners have developed great loans for you that you can receive the same day*. Unlike banks or building societies, we do not have branches so we never close. We are available 24 hours a day, 365 days a year, so no matter when you need to borrow money we will always be available to you.

Quick loan questions:

Q1 – I need money now but have bad credit, can Upwards help me?
Q2 – How much can I borrow?
Q3 – Do Upwards charge any fees?
Q4 – What information do you need?

If you have bad credit, don’t worry, you are in the right place. We work with lenders who look beyond just your credit history. If you can show that you can afford your repayments, we may still be able to help you. If you need money fast, that is what we specialise in. Apply, get an instant decision, if accepted get the money in 15 minutes*. We use soft search technology that means you can apply without damaging your credit rating.
When you apply for a short term loan through Upwards, you can choose to apply for any amount between £100 and £5,000. To help customers budget their monthly repayments, you can borrow over a term of 3 to 36 months. This gives customers a great level of flexibility to ensure that the monthly payments on the loan are as manageable as possible and that we can cater to most peoples budgets. Our direct lenders will allow you to borrow for virtually any purpose, so if you are looking to consolidate debts, need extra cash to cover an emergency situation or if you want to make a large purchase, a loan through Upwards could fit the bill for you. When you apply for a short term loan through Upwards we will get you an instant decision from our panel of direct lenders that won’t have any impact on your credit file, as all of our lenders use soft search technology to allow us to search for the best loan for you. Once you have been accepted by one of our lenders, they will send the money to your bank account in as little as 15 minutes*.
Absolutely not. Upwards never charge customers a fee for using our service. As a loan introducer, it is our job to find customers the best loan for their circumstances. If you are accepted for a loan, the lenders will pay us a commission for introducing you. This does not cost you anything.

Try our No Obligation Eligibility Checker

Get your money by 11:09pm

Find out your chances of being approved for a loan, without leaving a footprint on your credit file. Totally free and no obligation to apply.

Eligibility Check

What information do you need?

When you apply for a loan, we will ask you for some information about you, your employment status and your financial situation. The application process is really streamlined and designed to get you a decision and the funds you need as quickly as possible. All of the information that we ask you for is solely for the use of getting you a decision on your loan as quickly as we can. We don’t believe in asking a question that we don’t need to ask. We may need to ask some contact information to verify your identity as well as your bank account information. This information is not stored.

  • 60 Second
    Application
  • Instant Decision
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

Your Loan Starts Here

Apply for £100 - £5,000 in 60 Seconds
  • 60 Second
    Application
  • Instant Decision
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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  • Only takes 2 minutes to complete
  • No impact on your credit score
  • Get an instant, no obligation quote
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