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

I need an urgent loan – What do I do?

Emergencies can happen suddenly and at any time. When they do, and you find yourself needing an urgent cash loan, you can often be forgiven for thinking you don’t have any options. Whereas in the past short-term loans that paid out quickly were very expensive, lenders are now much more heavily regulated. This means that such loans now offer more competitive repayment rates. As such, so-called urgent loans that get you the money you need very quickly are now much more affordable. Available in amounts ranging from one hundred pounds upwards, you can now use an urgent loan for a variety of purposes, making them ideal for both small and big emergencies.

Why Choose Xav Loans?

Adaptable loans from friendly people

Flexible Instalments
Over 3-24 months
Instant Offer
Borrow up to £2,500
No fees
No initial credit check**
No paperwork
Cash in 10 minutes*
All credit histories considered
UK based company
Get your loan quote

Not sure if you’ll be accepted? Try our Eligibility Check

Can I get an urgent loan with bad credit?

Yes. Many lenders now offer urgent loans for people with bad credit. This is because lenders have realised that people with less than perfect credit histories still want access to urgent cash loans when they need them. Therefore, the lenders we will recommend to you will all take a sympathetic approach to any applications from people with poor credit histories. In addition to this, because these lenders are authorised and regulated by The Financial Conduct Authority, these urgent bad credit loans will feature much fairer repayment rates.

Can I get an urgent loan with no guarantor?

When an urgent loan is needed it is easy to think you have nowhere to turn. This is made worse if you suffer from bad credit or have specific requirements regarding your loan. One such factor to consider is whether you want to have a guarantor or not. Serving as security against your loan, a guarantor promises to make your loan repayments should you not be able to. Due to the added security a guarantor brings, some lenders will insist that you have one. However, other lenders understand that not everyone wants a guarantor or even has access to one. Therefore, lenders now offer fair, competitive urgent loans with no guarantor attached to their loan.

Getting a loan with Xav Loans

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

What different types of urgent loan can I get?

To give you as much choice as possible, direct lenders now offer a range of loans. These loans have been created to provide you with as much freedom as possible. Highly adaptable, loans such as urgent short-term loans are now very competitive. Based on the original payday loans that provided small amounts of money for a very brief period of time, modern payday loans can now be taken out for larger amounts and repaid over longer time periods. Therefore, from the size of the loan to how often and how much you repay back, you are now given much more control of your loan. From those aimed at people with poor credit, to loans that can be delivered to your home, the choice you have will help ensure you get the right loan.

Try our quick
Eligibility Checker

In just a few clicks you'll know whether you'll be accepted
  • Only takes 2 minutes
  • No impact on your credit score
  • 100% no obligation
Eligibility Check