Warning: Late repayment can cause you serious money problems. For help, go to: www.moneyadviceservice.co.uk

Welcome to Text Loans UK

You might budget carefully to meet your monthly financial expenses, but you may feel very depressed when some money necessities appear in the middle of the month and you don’t have money to fix it up. It could be like fixing up your car or a new dress that you have seen in a sale. Then text loan is the perfect financial help for a person like you who needs extra cash urgently to settle their expenses.

Text loans refer to loan application process where lender lends a few hundred pounds to borrower and a text message is involved in this process to complete it successfully. You can fill loan application form by using your smart phone, tablet or computer, once you have accepted you have to sign an agreement via text message. As soon as you verify your loan details via text message, the amount can be transfer to your account on the same day. The main advantage of this loan process is signing agreement via SMS code, which means you don’t have to send any document to the lender via post or fax. That’s why this is the most hassle free and fast loan process in the market.

How to apply

Process of applying through us is very simple. Once you have completed our online application form, we run an affordability check to assess your eligibility for a loan. You will receive an instant decision on your application for letting you know about your application. Once you are registered and accepted, the loan company will send you a personal identification number (pin). By using this pin you can text them the amount you want to borrow and they will reply to you if you are approved. Then you text them back to say you are agree to the loan's terms and conditions.

Please read terms and conditions carefully, once you are entered in the agreement then you are responsible for your repayments.

Different Types of Text Loans

You can get text loan ranging up to £1000. There are some different types of text loans are available some are listed below.

Payday text loans: You can say it is a payday loan by text; it’s a new way to apply for a payday loan via text message. These short-term loan are designed for monthly salaried people. In this scheme you can get a few hundred pounds for next 14-30 days. You can also apply for payday loan through high street stores. But for getting payday loan through SMS you have to apply online and complete the application form.

Instant text loans: Here ‘Instant’ term implies that once you have completed the loan agreement, the funds will be credited to your account immediately. This kind of text loan is all about for people who need cash in urgent to pay their bills.

Text loans UK: This kind of loan is all about for the people who are living and working in UK. For this you must have a valid UK mobile number and must be living in England, Scotland, Ireland or Wales.

Criteria and Fees

For applying a loan you must be an 18 years old or above and must be a UK resident with a valid mobile number and have employment with earning a minimum of £750 per month. We do not charge you any fees to make you in contact with loan lenders.

These loans are unsecured in nature that means you don’t need to put your valuable assets as collateral. On the other hand secured loan would require you to put your valuable goods as collateral as per loan agreement.

Advantages of SMS Loans

There are many reasons to apply for this hassle free SMS loan service. For example, the whole application process is done through electronically so there are no long queues in bank and no paperwork involved in this process. By cutting down these two time-consuming processes from loan application makes it faster and convenient so now you can apply from your home also.

Non-Repayment of Loan

Payday lenders always understand that circumstances can change and some customers are unable to pay their scheduled repayments. At any point of time you think that you are missing your monthly installment, you should contact to your associated lender and tell them about situation as soon as possible, they will definitely help you.

You should always remember “Don't borrow money if you will struggle to pay it back”

Impact on Credit Score: We highly recommend you to repay your loan at agreed date, in case you are not able to repay on time this may negatively effect on your credit score. Lender will send your case report to the credit reference agencies. This will negatively affect your ability to obtain credit in the future. That’s why we always encourage you to repay on time for your healthy credit rating.

Best Alternatives for Payday Loans

Ask for pay advance: You can ask from your employer for advance on your wages.
Family and friends: You can ask from your family member or friend to lend some money, it can help you to avoid the risk of loans till next payday.
Credit Union: The affordable alternative is Credit Union; there is a cap on amount of interest they can charge.


Debt problems? Get free confidential advice from StepChange Debt Charity on 0800 138 1111.

Consumer Advisory: This Site is a loan matching service. This site will submit the information you provide to a direct lender. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

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