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Over how long?

Weekly repayments:
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£550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR


18 monthly payments of £113.06, repaying £2,035.08 in total

Standard personal loans term is 18 months. The interest we charge is directly related to the length of time you have your loan.

Max APR 937.8% (based on £550 over 18 months). All loans are subject to eligibility & affordability criteria. Late payment or non-payment may result in additional fees such as court fees. Click here for our renewal policy. Over 21s only, T&Cs apply.

When is a loan an emergency loan?

There are times in all of our lives when our finances need a bit of a boost. In this situation, a personal loan could be just the financial solution you need.

Some of the most common reasons people take out a personal loan are:

  • To pay off other debts, including expensive credit card balances;
  • Car repairs;
  • Home improvements;
  • Home repairs;
  • House moving expenses;
  • Family events;
  • Medical, vets or funeral expenses.

Whilst some of the above situations can be planned for in advance, others can just take you by surprise and you unexpectedly need to find money fast. This is where a personal loan could be seen as an emergency loan. 

An emergency loan from Loans 2 Go could provide the way out of a difficult situation and help you to get your finances back on track again.


How quickly could I get an emergency loan?

If you are in the situation when you need an emergency loan, you need money fast. You haven’t time to fill in lots of forms or attend a face to face interview.

The good news is that at Loans 2 Go, our emergency loan application process is designed to make things as quick and easy as possible for you. 

We do this in 3 ways:

  • You can apply to us for an emergency loan online from the comfort of your own home;
  • We are a direct lender so can give you an instant decision without anyone else being involved;
  • If your emergency loan is approved we will get the money into your account within 15 minutes.


How much can I borrow with an emergency loan?

Loans 2 Go offer emergency loans between £250 and £2,000.

The usual repayment period is between 18 and 24 months. You can make your repayments in either weekly, fortnightly or monthly instalments either via Continuous Payment Authority debit card repayments or our online portal.

There are no set up fees for the loan, and no early repayment fees if you decide to repay all or part of your emergency loan sooner than your 18 or 24 months.


Would I be eligible for an emergency loan?

We have four main criteria for an emergency loan. You need to be:

  • At least 21 years old;
  • Currently employed with a regular income;
  • The holder of a UK bank account and debit card;
  • Resident in the UK, either as a homeowner, tenant, or living with your parents.

Many people worry about applying for an emergency loan because they do not have a very good credit score. Whilst we will do credit and affordability checks as part of the emergency loan application process , we may still consider lending to you if you have poor credit history or even a CCJ. 

We look at each loan application on an individual basis, and are more interested in your financial situation now rather than whatever may have happened in the past. The most important thing to us is that we are confident you can afford the loan repayments.


How do I apply for an emergency loan?

You can apply for an emergency loan with us online, in three simple steps:

  1. Click Apply Now then use the slider to select how much you want to borrow. 
  2. Enter the information that we need and submit it to us.
  3. We will give you an instant decision and, if approved for an emergency loan, will transfer the money to your account within 15 minutes.

So, if you are facing an unexpected financial demand, we hope that a Loans 2 Go emergency loan could help you to get things sorted.


Representative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total.