Text Loans you can afford, right away!

Get prequalified for text loans in minutes without affecting your credit score.

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Get £50 – £5000 text loan from a direct lender 24/7

Do you need a text loan from direct lender in the UK? At TextLoans24/7, we show you a true picture of fast lending. With our AI-driven technology, you get decisions in seconds, making financing possible when it really matters most.

We're partner with FCA authorised direct lenders having high approval rates who accept bad credit scores! Our quick application form takes few seconds to complete and you'll get an instant loan decision with same day funding. So, why wait? Try us now!

How Much Cash do You Want?

£

Get up to £5,000 in 3 easy steps!

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Step 1

Complete an online application in seconds!

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Step 2

Our lenders review your application & provide instant loan decision.

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Step 3

Once you e-Sign your contract, we'll send the money in your bank account in 10 minutes*.

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Instant text loans you can count on

  • From £50 to £5,000

    Enough to cover any emergencies such a bills, repairs, medical, and more.

  • Lower and Affordable APRs

    We offer text loans on lower rates and with no fees.

  • 100% secure application

    We strive to protect your privacy and that's why our website protected by 128-bit SSL encryption.

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But why you choose us?

  • No need to pay

    Everybody like the word 'Free' right? And that's you can submit your application with us, absolutely free of charge!

  • Text loans in your pocket

    At the time of money emergencies, saving time is key. We find direct lenders in the UK who can provide you best text loans straight to your pocket.

  • Zero stress

    We do all the legwork for you. Don't waste your time on minor things when applying for a loan! We find perfect lenders for you.

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Our customers have saved £2.3 million in interest and fees. Now it's your turn!

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Frequently asked questions

What is a text loan?

Text or SMS loans are similar to short-term loans that offer small money. You can borrow and receive money by simply sending a text message. Typically, text loans are unsecured loans and do not require any collateral.

Generally, text loans offer a few hundred to thousands of pounds and are best to handle any emergency financial situation. Usually, instant text loans are offered with a short repayment period. It can be a few weeks or months, depending upon your lender.

What is the eligibility criteria for a text loan?

To be eligible for a text loan in the UK from direct lender, you must meet the following basic requirements:

  • Be 18 years or older.
  • Be a citizen or permanent resident of the United Kingdom.
  • Must earn income from employment or benefits.
  • Have a verifiable personal banking account in your name.

How do I apply for a text loan?

Applying for mini text loans from direct lenders in the UK is very simple and fast. Here are the steps that you need to follow to get a loan:

Step 1: Complete an online application that requires your essential personal, employment, and banking details. You can request a text loan by sending a text message to a lender.

Step 2: The lender reviews your loan application and provides an instant decision.

Step 3: Once you e-Sign your loan contract and return it to us, we'll send the money directly to your bank account in 5-10 minutes (subject to your bank).

Are text loans good for your credit rating?

If you repay your text loan on the due date in full, it will be notified to the UK's three central Credit Reference Agencies (CRAs)- TransUnion, Equifax, and Experian. It could positively impact your credit history and help you gradually improve your credit rating to achieve the 'good' category.

What is the interest rate on text loans?

Usually, the interest you pay on your text loan is based on how much you borrow and for how long a period. Interest rates depend on your lender and may vary from one lender to another. At TextLoans24/7.co.uk, our lenders charge APR as per the regulations set by the FCA.

When should I consider a text loan?

A text loan from a direct lender should be used when facing a financial emergency and all your available options are exhausted—emergencies like medical, last-minute travel arrangements, car repair, or something else that requires an urgent fix. Remember that acquiring cash by text loan is unsuitable for long-term financial needs.

We recommend you take debt advice from a not-for-profit organization like Stepchange the Money Helper

Can I get a text loan with bad credit?

Yes, text loans for bad credit are possible in the UK, but you must have a steady income source earned from regular employment or benefits, plus the ability to repay the entire loan on the due date. Instead of credit rating, our partner direct lenders usually check other factors to approve a loan.

Can I get a text loan with no credit check?

No, getting an online text loan with no credit check is impossible. Usually, all UK direct lenders regulated by FCA must conduct some form of credit check. However, some private lenders offer text loans with no credit check but at high-interest rates and fees.

Let us help you get there financially, wherever "there" is for you.