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Frequent Questions

Can I apply for a loan?

Yes you can apply for a loan as long as you meet a few minimum requirements. These are that:

  • You are over 18 years of age.
  • You are a UK resident and eligible to work.
  • You are employed and receive a regular take home salary of £1,000 per month or more.
  • You have a UK bank account that accepts direct debits.
  • You have your wages paid directly into your bank account.
How much am I able to borrow?

You can borrow between £100 and £2,000 with a short term loan and with an instalment loan you can borrow between £500 and £25,000.

We recommend that you only borrow as much as you really need to minimise the amount of interest that you have to repay.

All loans are subject to lender's requirements and approval.

How much will it cost?

Short term loans

The maximum charge for short term loans is limited to a maximum charge of 0.8% by the FCA.

The typical representative APR is 305.9% (variable) – Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable).

Instalment loans

Representative APR 33.6% (variable) Representative example: £2200 borrowed for 36 Months. Total Amount Repayable is £4172.37. Interest Charged is £1972.37, Interest Rate 29.9% (Variable).

How long can I borrow money for?

With a short term loan you can borrow money for anything up to 6 months. Instalment loans have longer repayment terms available.

Does it cost money to apply for a loan?

We don’t charge anything, our loan finding service is totally free to use. If a lender asks you to pay a charge to process your application we recommend that you do not proceed because a loan offer can not be guaranteed.

What should I do if I can't pay back my loan on time?

If you can't afford to meet your loan repayments on time it is very important that you speak directly to your lender as soon as you can. In the UK lenders are required by law to support you and try to find a solution that works with you to help you repay your loan while minimising extra costs.

Are you a direct lender?

No, Emergencyloans247.co.uk is not a direct lender, we are a credit broker authorised and regulated by the Financial Conduct Authority. We do not charge you for using our free service though so it doesn't cost any extra. Our service just makes the task of finding a loan a little easier.


Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable). Emergency Loans 247 is a registered trading name of DG Media & Marketing which is an Introducer Appointed Representative of Quint Group Limited, who are a credit broker not a lender.