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
Low Interest Loans in the UK: Finding the Best Loan Options
Loans have always played an important role in the financial survival not only of individuals and their respective households, but also of business, be they big or small. But as demands for loans continued to increase over the years, the increasing number of borrowers has, in turn, given rise to an equally increasing number of unpaid debts. And as traditional lending firms and institutions strive to meet the demands for loan services while trying to lower the number of unpaid debts, a credit scoring system was eventually created. Through this credit scoring system, traditional lending firms were easily able to segregate borrowers who will likely be unable to pay off their loans, from borrowers who are most likely to pay theirs off without any problem. With this credit scoring system in place, individuals with income levels that fall short of what the lending firms have decided to be sufficient were automatically given bad credit scores, while the borrowers who often missed their payments — regardless of their reason —consequently found their records automatically reflect bad payment histories. Because of this, borrowers with bad credit scores and unacceptable payment histories were automatically disqualified from securing any more loans from any of the standard lending firms. And while this credit scoring system proved to be extremely helpful to the lending firms, it proved to be extremely disadvantageous to the welfare of the borrowers.
Because borrowers with bad credit could no longer secure loan services from any of the legitimate lending firms and institutions, they were often left to choose between borrowing from lenders operating illegally, or asking for money from their friends and family. Because asking for money from friends or family is not always easy, many borrowers with poor credit scores and bad payment histories were left to resort to taking underground loans from the lenders operating illegally. Through this latter option, borrowers do receive the financial help that they need especially in times of tight financial situations — but the long-term financial repercussions that are inherent to these loans often leave borrowers in perpetuated difficult financial situations. Because underground loans have excessively high interest rates, many borrowers often later on find themselves in even worse financial conditions.
As more and more borrowers with bad credit fall into the same predicament, however, the rising demands for better and much safer loan services soon paved the way for the creation of an entire new market.
Getting Low Interest Loans for Bad Credit
With the increasing demands for better loan services in the then-newly created market comprised of borrowers with bad credit, lending firms soon came up with innovative new loan services designed especially for borrowers with bad credit. Through innovative new loan solutions such as low interest loans for bad credit, borrowers now finally have access to much more affordable and much more secure financial alternatives. With flexible new loan solutions such as low interest loans, borrowers need not have to endure having to borrow more than what they actually need given their unique financial situation, which means they also no longer have to pay for interest rates much longer than what their financial situation actually necessitates. Unlike applications for the more common conventional loans that are being offered by many of the traditional lending firms, application procedures for low interest loans for bad credit are far less complicated. Through low interest loans for bad credit, borrowers no longer have to submit impossibly hard to procure requirements, nor do they have to wait in long lines for long hours just to get their applications submitted.
How to Get Low Interest Loans and Instant Loans
Through the latest innovations in technology, as well as the continuing evolution of the lending industry, innovative new loan solutions such as low interest loans and instant loans have made it possible for borrowers to submit their loan applications right straight from the comfort of their own homes. Because applications for low interest loans and instant loans can now be completed entirely over the internet, borrowers can now expect for their applications to be processed even as soon as they are submitted. With innovative new loan solutions like low interest loans and instant loans, borrowers may now also expect approvals of their applications just minutes after their submission, while the release of funds for approved loans, on the other hand, may now be expected in as little as just mere hours after the applications were submitted.
Because of these features, innovative new loan services such low interest loans and instant loans make the best options in times of urgent financial situations, such as those that involve bills that need to be urgently paid — including hospital bills, urgent car repairs, home repairs, as well as other similar expenses. In financial situations that call for loans in much higher amounts and much longer payment terms, borrowers may also depend on low interest loans to address their ongoing financial situations.
Securing Low Interest Loans from Direct Lenders
Many borrowers tend to believe that by not having to pay for loan brokers’ service fees through borrowing from the lenders directly, they enjoy the benefit of saving more money. What many borrowers do not seem to know, however, is that because loan brokers have far-reaching connections to numerous lenders in varying regions, they, consequently, have extensive access to all the promotions and discounts that many different lenders offer across many of their different loan services. Because of this, borrowers procuring loans with the help of loan brokers enjoy far more savings and much more benefits in the long term. And since loan brokers often offer borrowers extensive assistance to their clients — by offering expert financial advise to the borrowers, they are guaranteed the best loan options that they can get in relation to their unique financial conditions. So while it’s true that borrowers do save money by not having to pay for loan brokers’ fees through borrowing from the lenders directly, the advantages that come with loan brokers’ services far outweigh this temporary and rather small benefit.