Little Loans is a UK-based credit broker offering access to loans from £100 up to £10,000. The service is 100% free, with no fees ever charged to customers at any stage. The quoted representative APR is 79.5% with loan terms available up to 36 months, depending on your personal circumstances. If approved, you could receive your money quickly—sometimes even on the same day.

How to Apply with Little Loans

Simply fill in the quick online application form, specifying how much you wish to borrow and your repayment preferences. The eligibility checker is completely free and will not affect your credit score. After completing the short form, Little Loans will compare your details across a panel of over 30 reputable lenders. If suitable, you’ll instantly get a personalised, no-obligation quote and, if you choose to proceed, can receive your loan offer and funds with minimal delay.

Advantages of Little Loans

One standout advantage is the absence of any fees – you never pay anything, making this a risk-free way to search for credit. Additionally, checking your eligibility takes just 60 seconds and won’t leave any footprint on your credit report. This makes Little Loans an excellent choice if you’re cautious about your credit file.

Drawbacks to Consider

Some applicants, especially those with poor credit, might be offered higher interest rates. Loan approval and rates ultimately depend on your creditworthiness and personal details. While there’s no guarantee of acceptance, Little Loans offers a broad network which increases the chance of finding a suitable lender.

Our Verdict

As an independent reviewer, I find Little Loans to be fast, secure and genuinely free to use. With no fees, a simple application process and quick decisions, it stands out for anyone needing quick access to extra funds. The wide range of loan amounts and terms offers flexibility, and the transparent process promotes confidence for applicants.