60 Second Application
From £1,000 to £20,000
Rates Are From 4.7% to 278%
3 to 36 Month Repayment Options
Short Term Loans
Apply For Up To £999
3 to 12 Month Repayments
Loan Rates Starting At 278%
See Representative Example for a 3-month term. Representative Total Amount of Credit: £400. Duration of the Agreement: 90 days Total Amount Repayable: £561.92 to be repaid in 3 equal instalments of £187.31 on your next 3 payday. Interest charged is £161.92, interest rate is 161.9% per year (variable). Representative APR 305.9%. We are authorised and regulated by the FCA – Financial Conduct Authority. POUNDA IS A LICENSED CREDIT BROKER NOT A LENDER.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadvice.org.uk
Personal loans that fit your needs from Pounda
Whether its to cover a major expense, improve your home, for unexpected expenses or just to invest in something you want, Pounda will be able to help
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Competitive Company Examples
Representative example: If you borrow £10,000 over 60 months at a Representative APR of 3.1% (fixed) and an annual interest rate of 3.1% you would pay £179.94 monthly and the total amount you would repay would be £10,796.40. Representative example
For customers without a Clubcard
Total amount repayable
Length of loan
Annual rate of interest (nominal)
Representative example: If you borrow £10,000 over 60 months at a Representative APR of 3.1% (fixed) and an annual interest rate of 3.1% you would pay £179.94 monthly and the total amount you would repay would be £10,796.40.
You May Already Be Eligible
You can get the loan you need from Pounda. All it takes is a short application process. If you qualify, you could be awarded your loan within 24 hours.
How to Apply
The application is made very easy thanks to a completely online process. You just fill out the Pounda application form and we’ll examine it to see if you qualify for a loan. If you don’t qualify for the loan you want, we’ll let you know if you qualify for a different one. Many people who apply for loans through Pounda are approved, so this is your best chance for getting the money you need quickly.
You’ll need to tell Pounda what kind of loan you want, along with the length and size of the loan. You’ll need to have some personal information and documents handy, such as your ID card, banking details and a pay slip. These provide identifying information for us so that we can ensure no fraud is committed and that the money goes to the right place.
How It Works
Being approved for a loan from Pounda has never been easier. We don’t require a lot of intensive financial information about you. All we want to know is a few basic details, such as where you work and how much you make. We use this information to determine if you are eligible for the Pounda loan you’ve applied for or one of our other loans.
Once you are approved, we will let you know and then the money will be deposited directly into your bank account. This is the most secure, quick and convenient way to get you the funds you have asked for.
Will I Be Approved?
While more applicants are approved for loans through our service than many other lending institutions, there are some instances where we have to reject applications or suggest that applicants choose a different loan.
The most common reason for this is due to a lower than required income. If your income does not meet the minimum threshold for the loan you have applied for, then we will have to reject your application. If you have enough income to qualify for a different loan, we will inform you and give you an opportunity to apply for that smaller loan without having to start the entire application process over again.
Once you have received your funds, you will have a set period of time in which to pay back those funds. You will be able to choose how long you want to be given to pay back the loan, and as long as it falls within our parameters for that particular loan, your request will be granted. If you take longer than the agreed upon time to repay the loan, then there will be penalties applied. These penalties and any other applicable fees will be detailed for you as soon as you are approved for the loan.
If you are rejected for all loans, then you can apply again at a later date. Previous loan applications won’t be considered, and we will only take into account your current financial situation. What are you waiting for? You may already be eligible for one of our lenders’ loans, so fill out the application form and find out.
We Have a Wide Variety Available
Here at Pounda, we do our very best to be able to help everyone we can in every situation possible. In order to do that we must have a huge variety of loans to cover every kind of circumstance imaginable. Below you will find a list of our most recent articles and a little about each to help you make the right choice.
We understand that it can be hard to make a choice, so if you need any help then feel free to get in touch with us through our contact us page.
If you can’t find one that seems to suit your needs then don’t worry. By simply filling out our application form our expert team will be able to create a plan to fit your needs in a matter of minutes. We can help you no matter what your situation.
12 Month Loans
Loans for People on Benefits
If you have had trouble with getting finance in the past and are worried you will be refused for credit then why not have a look at our Guaranteed Logbook Loans. You will surely be able to find the right plan in no time.
If you need money but don’t know where to go, why not have the funds come to you instead? With Loans to your Door, you will have to look no further, you simply need to apply online today and you can get credit right to you in a matter of minutes.
Now things are different, you can get Same-day Loans. The application form we have is completed entirely online and will only take you a couple minutes. Our dedicated team of experts will then work at breakneck speed to find the right lender for you with the best rates. Once approved the money will be in your account in as little as 15 minutes. Lending doesn’t get faster than this.
So don’t hesitate, get your Fast Loan now.
5 most recent personal loan reviews
To be honest, I have been absolutely amazed at how Esme Loans have dealt with me. People with a less than perfect credit rating are obviously going to be their main customers. Through circumstance I found myself in that position, less than perfect, but even when I was 'perfect', I didn't get the ease and helpfulness from high street banks, that I got from Esme. That speaks for itself in my opinion. I would recommend this company to anyone who may be less than perfect! That's everyone in the human race then! Thank you.
Review posted by Gillian Pickford, Ipswich
Ease Of Use
Value For Money
Great, fast service, very reliable very friendly staff. I have used UK Loans for the past 8 years with no need to question their loyalty and respect of me as a customer and I hope we continue to have a great business arrangement as we have now and in he future.
Review posted by Marlon Knowles
Ease Of Use
Value For Money
Very easy, very good experience, speedy service. Treat people with low credit ratings with dignity and not like they have a disease! They appreciate that a low credit rating can be circumstantial and not necessarily a reflection of future conduct. Only reservation is interest rate very high but I guess understandable. I'll just have to pay it off quicker!
Review posted by Tom Mollett, Swansea
Ease Of Use
Value For Money
6 steps to get a loan online the right way
Looking to take out a loan to consolidate existing debts, travel across the world or even jump start a business? If you are, then you might want to get a loan online and enjoy numerous advantages that you won’t find with brick and mortar credit products including faster, easier, and more convenient processes.
Online loans come in variety of amounts and borrowing conditions. There are those that are unsecured that won’t require you to offer any kind of collateral whatsoever and there are those do and they are known as secured loans.
Now if you want to get a loan online, follow these 6 steps to ensure the entire process will go smoothly without any problems and delays.
6 ways to get a loan online
Step #1 – Know your credit score
Having a stellar credit score will give you the best chances of obtaining an approval from a reputable lender for better rates and payment terms when you get a loan online. You can grab a free copy of your credit score through various online platforms. With this, you can get a loan online.
Your credit score can fall into any of the groups below:
720+ – Stellar credit rating
690-719 – Solid credit rating
630-689 – Average credit rating
300-629 – Bad credit rating
If you have a bad credit rating, then you might want to take the necessary steps to rebuild your credit score back to favourable levels before you get a loan online. It could also get you into some issues if you will get a loan online.This is because your credit rating is not only a primary factor in getting approved by majority of lenders online; it will also determine what options are available for you. If you have bad credit, your options may be limited to a few options that tend to have higher interest rates or those that will require some form of security or guarantor. If you have a stellar credit rating, you can qualify for almost any type of financing and get approved by most lenders providing them.
Step #2 – Secure a pre-qualification
Before you get a loan online, it would be best to obtain a prequalification first so you will have an idea what your loan deal will look like. Most lenders operating online will execute what is known as a soft check when pre-qualifying applicants and this kind of check will not leave any negative mark on your credit file which means you can request for a pre-qualification from as much lenders as you prefer until you find the right deal for the best price.
When you get a loan online and secure a pre-qualification from a potential lender, you may be required to provide the following information:
Social Security number
Payments on other debts e.g. mortgage, credit cards, etc.
Physical address and contact information
When you try and get a loan, you may not be able to secure a prequalification for various reasons and they include:
Insufficient income level
Insufficient or non-existent employment history
Too much debt obligations
Step #4 – Compare the available loan offers
Once you have been pre-qualified with a number of loan deals, try to compare each one based on the amount you can take out, the repayment terms and conditions and the overall APR or Annual Percentage Rate as well. Ideally, you want to apply for the loan offer that provides the kind of amount that you need with a payment term that is suitable to your monthly budget for the lowest APR. Also, try to get a loan online that provides minimal to no extra fees and charges so you can save more on your credit deal.
Step # 5 – Try to consider other financing options and solutions
When you get a loan online, don’t just immediately jump on the first potential credit offer that you find. Shop around and compare as much deals as you can. You might also want to consider other financing options and solutions that will allow you to enjoy a better chance of approval for bigger amounts, more flexible payment terms and lower interest rates especially if you have a low credit score, such as:
Securing your loan with an asset – If you have bad credit, you can get a loan online with better features if you secure it with an asset. The asset could be a vehicle or property of your possession and will serve as collateral for your loan deal. In exchange for the security that you offer, you will be able to access large amounts of credit with extensive payment durations and possibly the lowest interest rates you can enjoy.
Put up a guarantor – Putting up a guarantor is something that you can strongly consider if you find it difficult to get a loan online by your qualifications alone. This is because the lender will put into account the credit score and income level of your guarantor and if the person fairs well on both, it would be easy for you to get approved.
Step # 6 Review the terms and conditions of your loan agreement
When you successfully get a loan online, make sure to review the terms and conditions of your agreement carefully and never hesitate to ask questions and relay any concerns to your lender. To be specific, try and focus your review on:
Advance payment conditions. Majority of lenders will not levy any extra charge when you clear your debt in advance but there are a few that will, so be sure to check them firsthand before you sign your contract so you will know what to expect.
Automated deductions. There are lenders who will automatically deduct the repayments on your account in the agreed time. If you want to prevent overdraft fees from wrecking havoc in your account, try to establish a low balance notification with your bank.
No hidden costs. Any and all cost attached to your loan agreement should be accurately presented to you through its APR or Annual Percentage Rate so you will know how much you will have to pay to clear off your balance.
Finally, always opt for lenders who will report your repayments to UK’s credit reference agencies. This way, you will be able to add some much needed points to your credit score which will help you access more loan options with better features in the future.