Apply, Get a Decision, Get Your Money
Applying takes a few minutes and it's all done online. Below we've set out what happens at each stage, from the moment you start your application to the money reaching your account. Keeping it easy has always been the goal.
Applying in 3 Simple Steps
You could be less than 2 minutes away from a real instant online decision.
Complete the Application Form
Our application form is incredibly simple and should take no more than three minutes to complete. It will not ask any difficult questions or require you to dig around for paperwork. We are on hand to help if you need any questions answered.
Get Your Easy Decision
Within minutes of successfully submitting your application form, you will receive a decision from us. It will be either “approved” or “declined” - there will be no middle ground. If you are successful, the website will take you to step 3.
The Money In Your Bank
The most satisfying part of the whole loan process. Once you have been approved, you will receive a text message containing a security code. Reply with the security code, and the money will normally be released within 10-15 minutes.
Representative example: amount of credit £1,000 for 12 months. 12 monthly repayments of £115.09. Total amount repayable £1,381.08. Interest rate 64.3% pa (fixed). Representative 87% APR. Credit broker, not a lender. Warning: Late repayment can cause you serious money problems. For help, go to the MoneyHelper.org.uk
Leave The Hardwork To Us
Easy Loans first became a direct lender in around 2011. However, we stopped lending directly and handed back our lending licence in 2017. Today, Easy Loans operates as a credit broker, helping applicants find suitable loan options from a panel of lenders.
Although we no longer make lending decisions ourselves, our technology works hard behind the scenes to help find an appropriate lender for each applicant. Instead of having to visit several different websites and complete multiple application forms, customers can submit their details to us once.
When you apply through Easy Loans, our system reviews the information you provide and searches for lenders whose criteria may match your circumstances and borrowing requirements. Each lender makes its own decision based on factors such as the amount requested, the preferred repayment term, affordability and credit history.
Where a suitable option is available, we will present it clearly so that you can review the lender’s terms before deciding whether to continue. This may include the amount offered, the repayment period, the monthly repayments and the total cost of borrowing.
Our aim is to make the process as quick and straightforward as possible while doing the difficult work behind the scenes.