Borrow £100 - £5,000 Today

Instant Decision, Fast Transfer, 1 - 36 Month Terms

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Representative Example: Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%. Representative APR: 79.5% (variable).

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

Apply Online

Our online application form can be completed in less than 2 minutes.

Instant Decision

You'll receive an immediate notification of approval on screen.

Accept Offer

Simply choose to accept the loan offer and terms presented.

Fast Transfer

The loan funds will be transferred directly to your bank account.

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Pounds to Pocket FAQ's

You can borrow up to £5,000 via Pounds to Pocket and repay it back over 1 - 36 months. The total amount one of our lending partners is willing to offer will be largely dependent on your eligibility and surplus income (income minus expenses) The amount offered after approval may be different than that which you originally requested.

Yes, everyone is accepted at Pounds to Pocket. Whether you have a poor credit history or are suffering from bad credit currently, you're welcome to apply. All we ask is that you meet our basic eligibility requirements and you have a regular income either from employment or benefits.

Yes, we're able to process loan applications for customers currently receiving benefits. However, the type of benefit you receive must be classed as income. Universal credit and incapacity benefits are benefit types classed as income whereas housing benefit and job seekers allowance is not.

No, we're a short term credit broker who are partnered with reputable UK based direct lenders. It is our lending partners who will ultimately fulfil your loan request. Our system matches your requirements with a direct lender who is willing to faciliate your request within minutes of submitting an application. The process is entirely automated.

All of the loans we offer can be paid back between 1 and 36 months. Our lending partners will determine if they're able to meet your term request if not they may present new terms as part of their formal loan offer. You are under no obligation to accept these new terms however.

Our application form has been designed to make applying for a loan easier than ever. All we require is some basic personal information such as your name, address and phone number along with some basic information about your income and expenditure and the source of that income. The whole application process takes less than 5 minutes to complete.

We Understand Our Customers

Pounds to Pocket always puts its customers first. Not only do we want to provide a stellar short term lending service, we also want to make sure our customers are well looked after by our lending partners. Getting you the cash you need, when you need it is our primary goal but we also pride ourselves on doing so in a responsible and customer first manner. We believe this is the key to a successful relationship. We understand some of our customers may have a chequered past financially speaking and obviously we don't want to compound further issues such as lumbering you with an unmanageable debt. So we only partner with responsible direct lenders who will only borrow you money that you can afford to pay back.

A lot of our customers come to us with a bad or poor credit rating simply looking for a small amount of short term funding to tide them over and here at Pounds to Pocket we do our utmost to facilitate this. Most of the small cash loans we offer are used for day to day living expenses until the next payday and are typically repaid within a single month. A lot of traditional lenders such as high street banks however are unable (or unwilling) to offer cash advances like this which is where we come in with our offering of short term cash advances repayable between 1 and 36 months.

There is no shame in taking out bad credit payday loans, it's a legitimate service sought after by over 50% of the population of the United Kingdom at some point or another. Likewise suffering from bad credit due to a few missed payments here and there is nothing to be ashamed of. These things happen. We know this, our lenders know this and as a result endeavour to primarily take into account your current financial situation when deciding whether or not to accept you for a loan rather than simply base everything on the historic information contained in your credit report.

Why Use Pounds to Pocket

  • 24/7/365 Service
  • Same Day Cash
  • 98% Approval
  • Bad Credit OK
  • Fast Application
  • UK Based Lenders
  • Instant Decision
  • Quick Approval
  • Safe & Secure
  • Reputable Service
  • Direct UK Lenders
  • Benefits Accepted
  • Up to £5,000
  • 36 Month Loans
  • Trustworhy
  • Fair Treatment
  • Reponsible Lender
  • No Guarantors
  • No Paperwork
  • No Hidden Fees

Helping Everyday People

Our business is aimed at real people, people who suffer the trials and tribulations of day to day life and every now and again just need an extra bit of help to tide them over until their next payday. Pounds to Pocket is that helping hand. Regardless of your past history, we'll do our best to get you the funding you need as quickly as possible.

We understand that not everyone has a perfect credit history and sometimes an unexpected expense or bill pops up that you need a bit of help to cover. It is because of this we offer a variety of common short term lending solutions such as :-

  • Payday Loans
  • 6 Month Loans
  • Emergency Loans
  • Cash Loans
  • No Guarantor Loans
  • Bad Credit Loans
  • & more!

Responsible Lending

None of the reputable lenders we're partnered with will provide you with a loan you're unable to repay. Not servicing debt and fulfilling your commitments is one of the primary causes of a bad credit score. Our partners understand this and make it their goal to help you rebuild your credit, not damage it further by faciliating unaffordable loans.

In short, our lenders gauge what you can afford to pay back based on your income vs expenditure. So they will not borrow you money just because you requested it. This is what responsible lending is all about and why the payday lenders we're partnered with are considered some of the UK's best.

Treating Customers Fairly

Pounds to Pocket strictly adheres to the FCA's guidelines on treating customers fairly. We follow this policy rigorously which means that you'll always be treated in a fair manner. Nothing will be hidden or obscured throughout any step of the loan application process and the same goes for our lending partners too.

But that's not where the process ends. Our lenders will also be on hand to address any queries and issues you may have throughout the entire term of the loan and all of the UK lenders we associate with put customer satisfaction at the forefront of their business operations.

Pounds to Pocket is proud to offer payday loans as a primary service as we believe in our process, as do our customers and not only do we make applying for a payday loan a quick and easy experience, we also deliver on our promise to do so in a fair, safe and responsible manner.

A Quick and Secure Process

We pride ourselves on operating a highly efficient short term loan business. Our systems have been designed from the ground up to allow payday loan applicants to apply for the funding they need in less than 5 minutes in most cases.

Our secure online loan application form only requests the most basic details of our applicants such as name, address, contact information and some basic details about your income and expenditure. The rest is related to the loan itself such as how much, over how long and how you'd like to pay the loan back.

Once approved and you've accepted the overall terms of the loan, it will simply be transferred directly to the bank account that you specified during the application process. It's that simple and it's all handled seamlessly via our online systems in a quick, secure and efficient manner.

About Our Service

Taking out a loan via Pounds to Pocket has numerous advantages. Here are just a few reasons why customers love our quick and easy online lending service.
  • Online Application: Our application process is entirely web based, you can apply online in as little as 5 minutes and you'll receive an instant on screen decision.
  • No Fees or Paperwork: There is no paperwork to complete with any of the loans we offer and there are no fees, hidden or otherwise, associated with our service.
  • Bad Credit Accepted: We are happy to accept loan applications from those suffering from a poor credit score or bad credit history. It will be your current income and expenditure considered primarily.
  • Instant Decision: You will receive an instant on screen decision in less than 2 minutes after submitting your online application form. A quick and efficient service is guaranteed.
  • Borrow £100 - £5000: You can borrow £100 today right through to £5,000 and any amount in between. To get started simply head on over to our online application page.
  • Terms From 1 to 36 Months: Pay off your loan quickly or take it over a longer term. The choice is yours. Our loans can be repaid between 1 and 36 months.
  • No Guarantors: None of the fast cash loans we offer require a guarantor. It will be your own personal financial situation which will be considered. And we welcome applicants on benefits or with a bad credit history.

These are just a few of the many great reasons that our customers simply love the Pounds to Pocket payday loan service. We're highly reputable, we treat our customers fairly and above all else we aim to faciliate your need for short term finance as quickly as humanly possible. So whether you need £100 or £5,000, have perfect credit or bad, give us a try.

Debt Help and Advice

Whilst finding you a direct lender is our primary service, we also want to help our customers get back on track financially. We're all too aware that a lot of our customers, both old and new are suffering from debt or have done in the past and we realise the issues that brings.

Below we've curated a list of websites that can help you get back on track financially and even if you are currently meeting all of your demands, there is a wealth of information on good financial management and savings advice.

  • StepChange – A UK based debt charity offering a wealth of information on debt management. From general advice to tools and resources, they cover everything. They can also assist with real world debt restructuring solutions such as debt management plans (DMP), individual voluntary agreements (IVA) and debt relief orders (DRO). If you're looking to get a handle on your debt, this is the best place to start.
  • Citizens Advice – The debt and money section of Citizens Advice is also a great place to start if you're looking to get your finances in order. They offer information on dealing with the current cost of living crisis and also teach you how to budget your expenditure effectively. Like StepChange, Citizens Advice can also help you setup IVA's, DMP's or even guide you through bankruptcy should that be a route you want to go down.
  • MoneyHelper – Formerly known as the Money Advice Service, MoneyHelper is a government run website that offers free debt guidance and financial advice. You can find help on general debt management, advice on dealing with lenders and also benefit related issues such as entitlements, claims and disputes. It is also frequently updated to reflect the current financial difficulties UK residents are facing.
  • National Debt Line – Another UK based debt charity offering tailored advice on a wealth of debt and financial management related issues. You can speak with their team members directly via webchat or over the phone about your own specific issues rather than simply browsing general guides. They also boast a collection of debt fact sheets which are somewhat easier to read than long form guides.

Pounds to Pocket Promise

Our mission is to get you the money you need, when you need it, in as timely a manner as possible - and we'll always endeavour to do our best to achieve this. We have a high acceptance and approval rate and partner with some of the UK's most reputable and respected direct payday loan lenders operating in the space. And not only that, we'll do it in a safe, secure and responsible manner. Pounds to Pocket adheres to all of the guidelines set out by the FCA with regards to the fair treatment of customers, as do our lending partners. They will never borrow you more money than you can afford to pay back and will always treat you fairly.

We look forward to welcoming you as a Pounds to Pocket customer and if you're truly in need of an urgent cash loan, with no fees and attractive interest rates, you're in the right place.