How to Get Fast Cash

Applying for a speed-e-loan is simple. There's no paperwork, faxes or maddening call centres – we are fast and completely online - from start to finish.

It's as easy as 1–2–3!

We'll then tell you the exact cost and all you need to do is take a few minutes to complete the simple online application form. You will be immediately told if your application for a speed-e-loan has been successful.

• We provide an instant response – and aim to get the cash in your bank in less than two hours.
• On the agreed date we collect the loan repayment from your debit card, so you just need to ensure the required funds are available in the relevant bank account.
• You can initially request to borrow up to £250 and, providing you pay back on the agreed date, you can qualify to apply for higher loans. You can also apply to receive a speed-e-card, our MasterCard pre-paid debit card at preferred rates amongst loads of other speed-e-loans.com benefits.

If you need more info before you apply, check our helpful FAQ page.

Short-term loans

Speed-e-loans.com is not about loading you up with debt. We're here to bridge the gap between your available cash and your payday with a fast cash advance or a short term loan. We'll only lend you what we think you can afford to pay back and unlike some other payday lenders, we won't keep rolling your existing balance endlessly.

We really want you as a customer but only if you can honour your agreement with us, so please think very carefully before you apply, make sure you're comfortable, and if not, please do not apply. We only want happy customers.

Speed-e-loans.com 'clear and open' policy

We will clearly tell you what the repayment for your cash advance is before you commit to the agreement. We don't want to waste your time. Guaranteed: there are no catches or extra charges – ever - assuming you repay on time. We have a Typical 2334% APR, but remember that APR is the calculation of annual interest required by law, and a speed-e-loans.com loan is usually for less than a month. Only using APR when considering a speed-e-loans cash advance is a bit like renting the same DVD every night for a year – and who does that? No-one! We also add a £4.95 fast transfer fee that helps cover the cost of our two hour cash deposit system. This is always included in the total cost you'll be shown on our home page. So you only pay for your loan for the time you have it – unlike many of our competitors who charge you the same whether you have the loan for 7 or 30 days. Visit our APR explained page for more details.

Please, please pay back on time!

We have a tariff of charges that will be added to your loan if you ask us to change your repayment date, or don't make sure that enough funds are available for the automated collection through your debit card.

If we can't collect payment from your debit card on the day you selected for any reason, you will incur a £9.95 fee – and interest will also continue to accrue.

If we are subsequently unable to collect the agreed repayment and haven't heard from you – please contact us if you have a problem – we want to help - We may hand your account to our collection partner and could add additional default charges.

Continued failure to repay a loan will also lead to a black mark on your credit record and potential legal action, both of which could make it very difficult to gain credit in the future.

Remember – we are here to help our customers – always