Little Loans review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Little Loans is a UK broker for borrowers whose credit is poor and who need money quickly, with personal, payday and debt consolidation loans of £100 to £10,000 over 3 to 60. The cost is the trade-off: representative APR is 8.2% to 1,750%, and it is a broker rather than the lender itself.

Key facts

Best for
Short term UK loans for borrowers with poor credit who need a quick decision and a fast payout.
APR
8.2% to 1,750% (Source, checked September 26, 2026)
Loan amount
£100 to £10,000 (Source, checked September 26, 2026)
Term
3 to 60 months (Source, checked September 26, 2026)
Arrangement fee
0 (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Most loans sent to your account the same day once accepted (Source, checked September 26, 2026)
Representative example
Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Aged 18 or over, UK resident, UK bank account and valid debit card, regular source of income paid into that account (Source, checked September 26, 2026)
Loan types
Personal, Payday, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Digitonomy Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
little-loans.com

Apps and profiles

Elsewhere
TrustpilotX

Pros and cons

Pros

  • Arrangement fees of 0 on personal, payday and debt consolidation loans (personal, payday and debt consolidation).
  • A soft prequalification credit check (soft prequal) opens the door for borrowers with poor credit (poor).
  • Most accepted loans reach your account the same day once you are approved.
  • Support runs on email, phone and help centre, so help is an email, a call or the help centre.

Cons

  • Representative APR of 8.2% to 1,750% is the cost to weigh first, and the top of that range sits well above the 12% site median.
  • Free early repayment is no, so a lump sum settlement may come with a charge.
  • It is a broker rather than a lender (broker), so the rate you are given comes from the lender you are matched with.
Little Loans

Ready to try Little Loans?

Scored 8.6 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers with poor credit (poor) who want a soft prequalification check before a full application (soft prequal).
  • UK adults with a UK bank account, a valid debit card and a regular source of income paid into that account.
  • People who need an answer and money in a hurry, since most accepted loans are sent the same day.

Who should look elsewhere

  • Monzo Flex if you want a lower rate, since it charges 10% to 23% and sits below the top of the 8.2% to 1,750% range here.
  • Cashspace ES if you are shopping on the headline figure, since it lists 0%, and a UK loan here still carries 8.2% to 1,750%.

How Little Loans compares

Where Little Loans is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (690249), checked September 26, 2026
Licence in United Kingdom
Information Commissioner's Office (ZA007309), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What will I pay on a Little Loans loan?+

Interest is fixed, so every payment stays the same for the whole term, and the representative APR is 8.2% to 1,750%. The arrangement fee is 0, which keeps the upfront cost down, but the top of the rate range sits well above the 12% site median.

What does the representative example actually show?+

The representative example on the site takes a set amount over a set period at a fixed rate, and the interest charge comes to a large share of everything you repay. Read it as the shape of the deal, then use the representative APR of 8.2% to 1,750% to judge whether the cost earns its place.

Is Little Loans regulated?+

Little Loans is listed with the Financial Conduct Authority under 690249 and with the Information Commissioner's Office under ZA007309. As a broker (broker) it matches you with a lender rather than lending to you directly, so the binding contract is with that lender.

How fast do I get the money?+

Most accepted loans are sent to your account the same day, and same day funding is among the listed features (same day funding). Applications open with a soft prequalification check (soft prequal), so you can see whether you qualify before you commit to the full process.

Who can borrow from Little Loans?+

You need to be an adult living in the UK with a UK bank account, a valid debit card and a regular source of income paid into that account. Little Loans lends to borrowers with poor credit (poor), and amounts run £100 to £10,000 over 3 to 60.

What kinds of loan are on offer?+

Little Loans offers personal, payday and debt consolidation loans (personal, payday and debt consolidation), each priced at a fixed rate (fixed rate). The debt consolidation option is worth weighing if you want a spread of balances gathered into a single monthly payment.

Can I pay the loan off early without a charge?+

Free early repayment is no, so plan for the possibility of a settlement charge if you expect to clear the balance ahead of schedule. The rate is fixed (fixed rate), so ask the lender what an early payoff would cost before you sign anything.

Who else should I compare?+

If your priority is a lower rate, Monzo Flex charges 10% to 23%, which sits below the top of the 8.2% to 1,750% range here. Cashspace lists PHP 12 to PHP 36 in Philippine pesos and Cashspace ES lists 0%, so check the currency and market before treating either as a like for like comparison.

Sources

  • register.fca.org.uk/s/firm checked September 26, 2026

    Backs: Licences

  • little-loans.com checked September 26, 2026

    Backs: APR, Credit needed, Funding time, Lender type, Arrangement fee, Rate type, Representative example

    “Rates between 8.2% APR and Maximum 1750% APR - your no obligation quote and APR will be based on your personal circumstances”

  • little-loans.com/about-us checked September 26, 2026

    Backs: Founded

    “Digitonomy Limited was established in 2013”

  • little-loans.com/contact checked September 26, 2026

    Backs: Headquarters, Support channels

    “Our registered office is at: Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN”

  • little-loans.com/part-of-digitonomy checked September 26, 2026

    Backs: Eligibility

    “Are over the age of 18 / Are a UK resident / Have a UK bank account and valid debit card / Have a regular source of income paid into your bank account.”

  • little-loans.com/short-term-loans checked September 26, 2026

    Backs: Loan amount, Features, Free early repayment, Loan types, Pricing model, Term

    “we work with a trusted panel of lenders who offer loans from £100 to £10,000”

  • little-loans.com/terms-and-conditions checked September 26, 2026

    Backs: Credit check, Legal entity

    “We carry out a soft search on you when you use our website to find a financial product or service. It does not affect your credit score”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Little Loans

Little Loans

Short term UK loans for borrowers with poor credit who need a quick decision and a fast payout.

8.6/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings