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WARNING: Late repayment can cause you serious money problems. For help, go to

Please note: We are a broker, not a lender, and do not make credit decisions.

Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

Subject to application being approved by the lender. Not all lenders are able to provide up to £5000

We are on the FCA register please see here

We never charge any fees,
our service is 100% free

Good and
Bad Credit Welcome

Guaranteed the best rates to your
circumstances from 50+ lenders

If Approved you’ll get the cash
in your account within 10 Minutes*

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Benefits of 1st Class Loans
Get a Quick Quote


Here at 1st Class Loans, we strive in providing a seamless, online service to all of our customers, in their search for an online quick loan. Our business model is designed to provide a first-class service, that our customers would be happy to recommend to others. We aim to be your number one choice whatever your financial needs in the UK market.


Our intr service provides you with a simple and fast online lending application process, providing you with an instant decision for your short term loan.

  • The security of your personal data is important to you, which makes it a priority to us. That’s why 1st Class Loans does not retain any of your personal information.
  • We will only ever ask you for personal details which relate to your loan application and nothing additional for research or marketing purposes unless you want us to.
  • If you’re not satisfied – we’re not. Please tell us if you feel there is anything that we can do to improve your experience by visiting our Contact Us Page

How does 1st Class Loans work?

We are a credit broker and not a direct lender. We use a system called ‘pingtree tree’, this system helps customers find instant cash loans from a large panel of lenders in under 2 minutes.

If you are looking for a bad credit payday loans we can help too, we work with lenders who specialise in bad credit, however, here at 1st Class Loans we only recommend taking a loan as a last resort. If you have bad credit and have a number of loans already we strongly advise you to seek financial help. We can offer soft searches instead of no credit check loans

Loans start from £100 pounds to £5,000

1st Class Loans we believe in helping people, please see our blogs for useful information that might help you get out of debt. Also, how our system works with ping-tree loans.

our blog