Instant Loans

£100 - £5,000 paid out in 20 minutes

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Representative Example: Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

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

Palma Violets Loans is an instant payday loan broker. Loan brokers don’t lend money directly, but they will match you with lenders. We use modern software that uses the information in your application to determine your eligibility and match you with a lender that best suits you.

It is important to note that we work with different lenders, meaning they have different terms and conditions for their loans. Having a variety of lenders increases the chances of loan application acceptance, even when you cannot get credit from land-based financial institutions.

Compare Lenders

LenderRepresentative APRAvailable AmountsLoan Duration
Lending Stream1333%£50 to £1,500Up to 6 months
Cash4unow1314%£150 to £10004 or 6 months
Oakam1421%£100 to £5003, 6 or 12 months
THL Direct1306.21%Up to £125Up to 3 months
Buffa1124%£100 to £10003-6 months
QuidMarket1301%£300 to £1,5003-6 months
Loans 2 Go1013.3%£250 to £100018 months
Ferratum1270%£300 to £70062 days to 4 months
MyJar1081%£100 to £20003, 6 or 12 months
Sunny1267%£100 to £2500 6, 7, 9 or 14 months

What is an Instant Loan?

An instant loan is a loan that you receive hours after completing the application process. Lenders mainly deal with simple terms loans like the short term and payday loans due to their low maximum borrowing amounts. Traditionally, the loan application was a long process that took weeks or more.

There were a lot of papers signing for both the lender and the borrower, especially for high loan amounts. Fast loans, on the other hand, rely on automated systems to determine your eligibility and the money is sent to your bank account within hours.

What are the Benefits of an Instant Loan?

Unlike the complex loans that require numerous security checks, payday loans online are designed to give you the money you need fast. The quick loans enable you to get the cash you need within hours or minutes.

The application process is stress-free as you only need to fill in some basic information and leave the rest to the lender, plus the lender does not dictate how you should spend your money as long as you can pay it back on time. Borrowers also have the privilege to choose your most preferred repayment date as long as it is within a reasonable period.

How it Works

The online application process at Palma Violets Loans starts with the borrower filing an online application form. The form is easily accessible through our website, and the process takes less than five minutes. After submitting your application, our systems will use the information provided to match you with a lender whose loan terms are similar to your needs.

Once your loan is accepted, you will get a loan offer — which could be the same amount or lower depending on your repayment capability and other loan terms. Borrowers who accept the offered amount instantly receive their money in their bank account.

Application Requirements

To enjoy our services, a customer must be at least 18 years old and a permanent UK resident. You should also provide a valid UK mobile phone number and an email address that we will use to verify your details before we confirm your loan application. Unlike applying for a loan from the bank, our online instant loan application is more straightforward as you are only required to fill an online application form.

The most basic questions include your name, your address and your bank account (for sending the money once the loan is approved). We will also ask questions about your employment and other sources of income to determine your repayment capability. The questions in the application form should provide the lender with the information required to determine the amount you qualify as well as the repayment terms.

Deciding whether you need an Instant Loan

Instant loans can be helpful during emergencies, and the availability of lenders makes it very easy for everyone to access them. It is always important to start by carefully analysing your circumstances before deciding whether you need a short term loan. The first thing to consider is whether you can afford to pay back the money you borrow plus interest.

Frequently Asked Questions

Do you check a Borrower’s Credit Profile?

No lender can offer fast loans online without checking a customer’s credit score. Ignoring a borrower’s credit profile can be a huge mistake on part because it helps us determine your loan eligibility. For brokers like us, the creditability check is passed to the direct lender as they are the ones giving the money.

Our lending partners perform a soft creditability check, meaning they can request your credit history to determine your eligibility, but they leave no footprint on your record. The lenders will only conduct a full credit check once you accept the loan offer presented.

Can People With Bad Credit Apply?

Yes. Palma Violets Loans have partnered with different direct all over the UK to ensure that we meet every customer’s financial needs. The vast selection of lenders gives us a wider lending capability, including bad credit loans. We will ensure that we match you with a lender whose lending terms meet your needs.

Some of the lenders will give you a lower amount while others will provide you with the amount requested at a higher interest due to the higher default risk. Making the free application will also help you compare different terms before you pick the best for you.

When Can I Access your Services?

Palma Violets Loans services are 100% web-based, meaning you can access our payday loans online services at any time of the day. You can access our services at the comfort of your home as long as you have a stable internet and computer/smartphone. The Palma Violets loans online service is available 24 hours a day and seven days a week throughout the year.

The only process that may require regular working hours is the processing of your loan application by the lenders. Some of the lenders use manual methods to evaluate your application, meaning you may need to wait longer for the cash to get into your account if you make an application outside business hours or during public holidays.

How much can I borrow?

Most of our lenders offer loan amounts ranging between £ 100 and £ 5000. We only act as facilitators, but the direct lenders decide the amount you can borrow. The lenders will consider factors such as your credit score and your capability to repay the loan.

Lenders can sometimes give amounts that are lower than the desired amount if they feel that you will be unable to pay the money back.

Will I receive my money instantly?

Once you have accepted the offered amount and the loan terms, the lender transfers the loan amount directly to your preferred bank account within minutes. The time may differ as we use different lenders, but it cannot go beyond one day.

The application also takes a shorter time than a bank’s loans application process. The borrower at Palma Violets Loans takes less than five minutes to fill in some simple personal details in an online application form.