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
Finding Top Payday Loans in the UK
In this day and age, loans play a major part in the financial survival of both people and the industry, and in keeping afloat the world economy. Throughout the history of time, loans have only become even more increasingly important every time — and as the population of the world began to expand, it saw parallel increases in its demand. Along with the continuing increase in demands for loans and other loan services was also a continuing increase in the number of borrowers who were unable to pay off their debts. In an effort to address what seemed to be a continuing escalation of such situation, traditional lending firms and institutions have decided and agreed to come up with a credit scoring system that will help address increasing demands in the lending system while lowering the number of accounts that were delinquent. In this credit scoring system, borrowers who were not likely to be capable of paying off their loans were easily segregated from those who were likely to pay off theirs with little problem. Individuals with income levels that fell below what the standard lending institutions prescribed as the minimum were automatically given poor credit scores, while the borrowers who frequently defaulted on their payments had their records automatically reflect bad payment histories. As a result, borrowers with poor credit scores and bad payment histories were automatically disqualified and precluded from securing any more loans from any of the legitimate lending firms. And while this system proved to be extremely helpful to the lenders, it proved to be extremely detrimental to the borrowers.
Borrowers with poor credit were left with very few unpleasant and often uncomfortable options in times of tight financial situations — such as that of borrowing or asking for money from their friends or members of their families, or taking underground loans from lenders operating illegally. And since borrowing or asking for money from friends and family is not always likely, many borrowers often turn to lenders operating illegally. Although this option does solve borrowers’ temporary financial problems, the extremely high interest rates inherent to these types of loan services often leave borrowers in even worse financial predicaments. Due to the limitations that borrowers with bad credit have to face when trying to secure loans from any of the legitimate financial institutions, many of the borrowers were often left to deal with perpetuated financial predicaments. But as the number of borrowers in the same situation continued to pile up, an entire new market for borrowers with bad credit was eventually created. And as demands for better, more secure, and more affordable financial services continued to increase in the newly created market, lending firms have finally taken notice.
Choosing Top Payday Loans for Bad Credit
With the subsequent evolution of the lending industry, as well as the latest developments in technology and security, innovative new loan services were soon introduced in the lending market. Among the most sought-after of these innovative new loan solutions are top payday loans for bad credit — which are actually loan services that allow borrowers to secure loans in amounts that are just enough to tide them over to their next payday. With top payday loans for bad credit, borrowers now have access to better, more secure, and far more affordable financial services. Unlike application procedures for most of the conventional loans that are being offered by standard lending firms, applications for top payday loans entail far less complicated and much faster transactions. Through top payday loans for bad credit, borrowers can now easily avail of loans without any problems. And since applications for these loan solutions do not require complicated requirements, borrowers can expect for much quicker loan services.
Getting Top Payday Loans and Instant Loans
With the help of the latest advancements in technology and online security, applications for top payday loans and instant loans can now be easily accomplished over the internet. And since applications for top payday loans and instant loans can be completed entirely online, potential borrowers now have the convenience of being able to choose to submit their loan applications from anywhere, at anytime. Through top payday loans and instant loans solutions, borrowers can now easily fill up their application forms, attach the required basic documents, and submit all their requirements over the internet. And since everything is done online, applications are processed as soon as they are submitted, and approvals for these loans can now be expected in as little as mere minutes. The release of funds for approved top payday loans, on the other hand, can now be completed on the exact same day that the applications are submitted. But while top payday loans and instant loans make the good alternatives in times of tight financial crises, they do not make the best loan resolutions in complicated financial situations. Since top payday loans and instant loans are small loans that borrowers are to pay over in short-term payment conditions, individuals in situations that require loans in much higher amounts will be best off taking secured loans that are payable in longer payment terms.
Getting Top Payday Loans from Direct Lenders
A common misconception among both experienced and inexperienced borrowers alike is that because securing loans from the lenders directly do not necessitate having to pay for the loan brokers’ fees, it yields the most savings and benefits for the borrowers in the long term. What many do not seem to know is that because loan brokers bank on their network of connections to different lenders in order to further their business, they consequently have far-ranging access to all the different deals and discounts being offered by the lenders across all their lending services. Because of this, borrowers who secure loans through loan brokers’ services are provided with much more savings and much longer-lasting benefits. And since loan brokers often provide debtors with expert financial advise, borrowers are ensured to get the best financial solutions in accordance with their unique financial situations.