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
Small Loans for Bad Credit: When and Where to Get Them
Loans have always played an important role in the financial survival of man and his businesses. With its history dating as far back as man can remember, loans have always been an integral part of everyone’s economic survival. But because loans have become so important to man and the industry, the demands for loans and loan services have incessantly increased — and the number of delinquent accounts, along with it. The continuous escalation of demands for loan services and the growing number of borrowers who default on their loans has eventually prompted traditional lending institutions, including banks as well as other similar firms, to take necessary actions. In an attempt to lessen the number of borrowers who default on their accounts, as well as to easily segregate borrowers who will likely be able to pay off their loans without any problem from those who are unlikely capable of being able to pay them off at all — traditional lending firms have decided to come up with a strategic credit scoring system. With this scoring system in place, borrowers whose earnings do not meet what the standard lending firms have set as a minimum requirement were automatically given poor credit scores, while those who often defaulted on their payments — regardless of their reason — automatically found their records reflect bad payment histories. But while this credit scoring system proved to be effective for the lending institutions, for borrowers with poor credit scores and bad payment histories, its effects proved to be extremely harmful. Because borrowers with bad credit were no longer allowed to procure any more loans from any of the standard lending firms and institutions, borrowers who found themselves in difficult and urgent financial situations were left with very few, often uncomfortable and unpleasant choices. In these situations, borrowers with bad credit were often left to choose between taking loans from underground lenders or borrowing from family and friends. And since the latter isn’t always an option, many borrowers resort to borrowing money from underground lenders. While this option does provide borrowers the temporary financial relief they need, the excessively high interest rates inherent to underground loans often leave them in even worse financial situations. But as more and more borrowers are with poor credit find themselves in the same predicament, an entire new market for borrowers with bad credit was eventually created. And as demands for more secure and more affordable loan services continuously increased in this newly created market, lending firms have eventually taken notice.
Getting Small Loans for Bad Credit
With the evolution of the lending industry and the latest advancements in technology, innovative new loan services were soon introduced in the lending market. Among the most popular and most useful of these new loan services are small loans for bad credit. Through innovative loan solutions such as small loans for bad credit, borrowers finally have access to more secure, affordable, and flexible alternatives. Unlike applications for most conventional loans that are being offered by many standard lending institutions and firms, applications for small loans entail far less complicated and much faster transactions. While application procedures for conventional loans often entail waiting in long lines for long hours just to submit applications — and even longer waiting when it comes to approvals and release of loan funds, with the latest innovations in security and technology, applications for small loans are far more convenient, much simpler, and so much faster. Because borrowers need only submit basic documents and are no longer required to submit impossible requirements, application procedures for small loans for bad credit are now far easier to complete.
How to Get Small Loans and Instant Loans for Bad Credit
Because application procedures for small loans and instant loans are now much faster and safer with the help of technology, borrowers no longer have to compromise with their security. And since applications for small loans can be completed entirely over the internet, borrowers now have the convenience of being able to submit their applications even right straight out of the comfort of their own homes. Through small loans and instant loans, borrowers can now easily fill up their application forms and upload their requirements over the internet. And since applications are processed entirely online, borrowers can now expect for the approval of their applications in as little as mere minutes. The release of funds for approved loans, on the other hand, can now be as fast as just a few hours after the applications were submitted. Because the processing and approval of small loans and instant loans are facilitated as soon as the applications are submitted, these loan services make good solutions in times of urgent financial situations — such as those that involve payments of hospital bills, urgent house repairs, car repairs, and other unexpected expenses. But because small loans are typically in small amounts that borrowers can pay over short term payment arrangements, they do not make good loan options in complicated financial situations. For financial conditions that require loans in higher amounts, borrowers are best off taking secured loans that can be paid over in much longer payment terms.
Getting Small Loans from Direct Lenders
A common misbelief among borrowers is that because borrowing from direct lenders do not entail having to pay for the fees of loan brokers, they yield much more savings for the borrowers. What many are unaware of, it appears, is that because loan brokers have wide-ranging connections to numerous different lenders across numerous different areas, they inevitably have comprehensive access to the many different deals and promotions that are being offered by lenders across their many different loan services. Consequently, borrowers who secure loans through loan brokers’ assistance have more access to more savings and benefits in the long term. And since loan brokers’ services often include expert financial advise to their clients, borrowers who secure loans through their assistance are ensured the best loan solutions according to their own unique financial situations.