100% No obligation
instant quote
Get your cash in
10 minutes*
No fees.
Ever!
No initial
credit check**

Why choose Xav Loans?

Flexible loans from friendly people

Borrow from £100 up to £2,500
Cash in 10 minutes*
Repay over 3 to 24 months
UK based company
Instant Decision
No initial credit check**
All credit histories considered
No fees
Flexible instalments
No paperwork
Get your loan quote

£13

The approximate monthly cost of borrowing £100

Getting a loan with XAV

It's quick, it's easy & it's flexible

Fast online application
Find your best loan rate
Instant decision
Cash paid in 10 minutes*
Flexible repayment terms

Xav Loans

We are a quick, reliable and friendly loan introducer based in London. It is our mission to help people find the loan they need in the quickest most convenient way possible.

63-66 Hatton Garden, Suite 23, London, EC1N 8LE

Responsible Lending

We ensure any loan is affordable for you

At Flux Funding, we take responsible lending very seriously and do our best to ensure any online loan applied for is affordable. Please only apply for a loan that you can afford to repay and ensure you read the terms and conditions of a loan agreement.

Max/Min Terms of Repayment & Max APR

The loans offered on this website have minimum repayment terms of 3 months and maximum repayment terms of 24 months. Lending rates vary from 9.3% APR to a maximum APR of 1294% APR depending on your circumstances.

Collections Process

If you’re having difficulty making a payment please contact the lender directly. Should the situation remain unresolved the lender may reserve the right to pass your details onto a third party collections agency.

Implications of Non-Payment

We always recommend repaying within the agreed timeframe. Each lender has their own policies with regards to fees and interest, and how they collect outstanding debts. Most will contact you by phone or letter in order to rearrange payment. Non-payment may result in charges and/or raised interest. We suggest contacting your lender as soon as you are aware there is a problem, as otherwise, it may be noted on your credit record.

Late Payment

If you are unable to make your repayment on time then you should contact your lender immediately. Lenders may charge a late payment fee which could range from £1 – £100. This will vary between lenders. For more information please read the terms and conditions of your loan agreement.

Renewal Policy

If you wish to renew your loan, you should contact your lender in advance. Most lenders will charge the same rate of interest and fees for another month on the entire amount owed. In the event of non-payment, a loan renewal/extension could be automatic and further interest and/or charges may be added to your account. Please note that renewing your loan is not recommended if you are struggling to keep up with your repayments on any of your existing credit. If you are struggling or are unable to meet your contractual repayments, you should contact your lender immediately. You can also seek independent, free debt advice.

Auto Decisioning

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Eligibility Checker

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