Short Term Loan Application Form

apply for a guarantor loan from 1000 to 7000

Apply now and the broker will get back to you quickly

1st Loan is not a Lender and therefore, we will not provide finance directly to you. We are a Credit Broker and our service is such that upon completion of your application form, the form is sent directly to a broker who will introduce you to lenders or finance providers who may be able to assist with your application for finance. By submitting an application, you will be giving your consent for them to see your personal details and match your application with one of the lenders or providers on their panel. It is important to understand that they will only forward your application to a lender or finance provider that has looked at your application and accepted it as one they believe there is a good chance they can provide a loan or relevant services to you.

Please complete the relevant details we will contact as soon as possible

REMEMBER you are not under any obligation to accept any terms offered to you. This form may be used for any type of loan. This form forms the basis of an agreement, the terms of which may differ from the terms requested herein. Before submitting the form please read the Terms & Privacy page and IMPORTANT INFORMATION at the foot of this page


Short Term Loans: Rates from 278% to 1576%. Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable)

Personal Loans: Rates from 5.7% to 278%. Representative 51.1% APR. Representative example: £2,000 borrowed for 24 months. Total amount repayable is £6,512.44 in 24 monthly instalments of £271.36. Interest charged is £4,512.44, interest rate 112.8% (variable)

Deposit of loan could take 2-3 days depending on your bank and lender approved with.

Any agreements for high-cost short-term credit will not exceed the price cap for high-cost short-term lending. There are three elements to the price cap: (1) an initial cost cap of 0.8% per day – interest and fees charged must not exceed 0.8% per day of the amount borrowed (2) a £15 cap on default fees – if borrowers default, fees must not exceed £15. Firms can continue to charge interest after default but not above the initial rate; and (3) a total cost cap of 100% - borrowers must never pay more in fees and interest than 100% of what they borrowed.

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Note: the APR you are offered may differ depending on the lender that accepts you.

High-cost short-term credit is expensive as a means of longer term borrowing. It is unsuitable for sustained borrowing over a longer period.

1st Loan is a trading style of Joel Malach. We are Authorised and regulated by the Financial Conduct Authority. Firm registration number 720851. Data Protection Licence Number: Z8904952
Registered Office: Warwick House, Lowes Road, Manchester. BL9 6PJ

1st Loan may receive a fee/commission for either referral or completion of your loan application.
1st Loan is not a lender but a licensed Credit Broker that has access to multiple lenders across the UK. We cannot lend you finance ourselves - only refer you to a lender who can.
Payday Loans should be used for short term lender purposes only - not as part of a longer term financial option. Not all lenders will offer a 100% online decision - some may require to speak to you or require further forms of identification or details to check affordability. You will be credit checked by lender(s) to determine if you can be approved a loan.

1st Loan is a responsible broker, and as such, would not be able to help if you are looking for us to pay out a loan to someone who is unemployed or receiving benefits as a primary income, who is in financial difficulties or cannot afford to make full loan repayments.

Please see our Responsible Lending Code of Practice for further information or for contact details of organisations who can help people in financial difficulties