Borrow from £100 to £25,000*

We use awarding winning technology to search one of the UK's largest panel of Lenders, to find the best loan deal available to you.Complete our simple application form to get an Epic result today.

Personal Loans

  • Whole of market panel
  • Trusted panel of lenders
  • From £1,000 to £25,000
  • Rates from 5.7% to 278%
  • 3 - 36 month repayment

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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)

Short Term Loans

  • Online decision
  • Responsible lenders
  • Borrow up to £3,000
  • 3 - 12 month repayment
  • Rates from 278% to 1576%

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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)

Guarantor Loans

  • Online decision
  • Age between 18 & 75
  • Guarantor required
  • 3 - 36 month repayment
  • Rates from 49.7% to 49.9%

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Representative 49.9% APR. Representative example: £2,000 borrowed for 24 months. Total amount repayable is £3,981.20 in 24 monthly instalments of £165.89. Interest charged is £1,981.20, interest rate 49.5% (variable)

Epic Loans is a licensed credit broker and not a lender.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Epic Loans does not charge any fees. If you are contacted by anyone saying they are calling from Epic Loans requesting you make them a payment, you should report this to www.actionfraud.police.uk, as we are aware that there is currently a scam using the Epic Loans brand. This has nothing to do with our company.

Why use Epic Loans?

    Epic Loans will not perform a credit check as part of the application process, however, some of the lenders will choose to do so before offering you a loan.

    We are committed to finding our customers the lowest rate loan in the market available to them. To ensure we do this we work with a comprehensive panel of lenders.


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What do our customers think?

Great service, applied for a loan this morning and had the cash in my bank account later this afternoon. Loan form wasn't too tasking, took about 10 minutes to apply. 

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Providers

Epic Loans is a licensed credit broker and not a lender.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Collections Process

Contact your lender directly if you have any worries about making your re-payment. If you do not endeavour to do so you will be unable to arrange any payment options and where the situation remains unresolved (where you have not re-paid your loan), the lender can exercise their right to pass your details onto a third party collections agency. This agency will then work to recover your unpaid arrears (plus any interest accrued as a result of your non-payment).

Implications of Non-Payment

By not making your short-term loan re-payment on time, you could be subject to fees and penalties, which will be implemented at the discretion of your individual lender. The details of any charges that can be added to your loan re-payment amount will be detailed within your loan agreement and this will include the reasons why further charges may be added. If you are late in making your payment this could also have a negative impact on your credit score. Therefore, in order to avoid having to re-pay more than your original agreed amount, we suggest that you re-pay your loan on time. If you fear that you will experience difficulty in paying back what you owe, please contact your lender as soon as possible.

Late Payment

Where you feel that you will not be able to meet your re-payment date and will need to make your payment at a later time – you must contact your lender to arrange this. If you do not, it could be assumed that you are unwilling to re-pay your loan and therefore you could incur a higher fee or charge than you would otherwise have done by simply extending your loan term. A late payment fee usually amounts to anywhere between £1 and £100 and this will vary dependent upon your lender. However, we do not advocate the unnecessary extension of short-term loans and as a result we ask that you ensure that you will be able to re-pay any loan that you apply for. For more information, please read and understand the terms and conditions associated with your loan agreement.

Renewal Policy

We do not advocate the renewal of short-term loans however, in the instance that you wish to do so you must contact your lender immediately. You will often be charged the same rate of interest or fees for an extra month however; this will be charged on the full amount that you owe to the creditor (amount borrowed plus first month’s interest). If you are late in making your loan re-payment or you fail to make the re-payment at all, your loan may be automatically rolled over thus automatically incurring further interest and charges. Any amount that you have borrowed you will be liable to re-pay so, please make sure that you only take out a loan if you can afford to pay it back in full.