About Annuityloans

We Mean It When We Commit Instant Funds…

Money is the most important element in the modern world. We all keep trying to attain its sufficiency through earning regularly and savings. However, due to our multiple lifestyle expenses, sometimes we face financial issues. At that time, we may not have adequate money to manage a financial emergency.

Short-term loans available online these days come with no constraint of purpose on instant approval decisions. All this is because of direct lending, a promising alternative to traditional lending. Annuityloans is a direct lender providing instant funds through a 100% online procedure.

Whether you need personal loans or a loan while living on benefits, we lend you money with the following features.

  • Borrow on your repayment capacity
  • Receive funds within 24 hours
  • No hidden charges
  • No upfront fee
  • Affordable personalised deals

The above terms ensure a smooth loan process. Whether you apply for £1000 or £10000, irrespective of amount and loan tenure, you borrow money hassle-free.

9 out of 10 applications approved

We believe if our borrowers trust us during emergency situations, we must do something to strengthen their trust. Therefore, a high approval rate is the prime aspect of our lending policies.

With a 99% approval rate, we offer you funds to ensure you get money during a rainy day. Flexible approval policies and a speedy process help us approve the majority of applications we receive.

How do we make it possible to offer a high approval rate?

  • We approve as per your current financial situation not credit history.
  • Existing borrowers with good payment history get instant approval.
  • Factor of regular earning is a strong reason to trust your repay capacity.
  • Debt-to-income ratio is also decisive in knowing your credit purchase power.

Loan types we offer for all your small needs

We offer various loan types that you can explore for all your short-term financial needs. Whether you borrow small amounts of £2000, £3000, £4000, £5000 loans or more than that, easily borrow through us. Let’s explore our loan solutions available for you –

  • Personal loans – For all your personal purposes, these loans are available 24x7. Whether it is a medical emergency or a car repair requirement, borrow funds on your repayment capacity.
  • Loans for bad credit – With strong current credit purchase power, you can borrow funds without any stress. Improved behaviour in the past six months is another vital factor.
  • No guarantor loans – Your income is sufficient to help you borrow instant money during a financial emergency. Say NO to the hassle of guarantor obligation with no guarantor loans.
  • Installment loans – Borrow easily and repay in small and easy instalments. This is what instalment loans offer you: the biggest facility and flexibility when you are in need of money.
  • Debt consolidation loans – Consolidate multiple debts into one and get rid of financial burden. Debt consolidation loans help you reduce your debt burden and experience financial freedom.
  • Doorstep loans – Apply online and receive funds in cash at your doorstep. Also, we collect repayments from your place. Those with no bank account and avail of the service.
  • Loans on benefits – Living on benefits is tough as you never get insufficient funds through benefits. Get loans on benefits and fill the financial gap to manage all your lifestyle expenses.
DIRECT LENDING PROCESS Vs TRADITIONAL LENDING PROCESS
DIRECT LENDING PROCESS TRADITIONAL LENDING PROCESS
It has a 100% online process with no physical documentation. It includes paperwork that makes the process lengthy and lethargic
It easily accepts people with bad credit based on their current repayment capacity. It culture delves into past. This complicates bad credit borrowing.
Instant approval decision and speedy fund deposit within 24 hours is possible. The lengthy loan process hampers the speed of the loan process, delaying the fund deposit.

How does the online loan process work?

When you need funds urgently, there is nothing more satisfying than knowing you can get money in a few hours. Also, the idea that the loan process takes only a few minutes gives you the strength to face an emergency. But you should know the loan process beforehand, as it saves time when you actually apply for a loan.

  • Choose a loan type e.g. no guarantor loans or bad credit loans or debt consolidation loans etc.
  • Click on the loan type, and an online application form will open
  • Fill the necessary details like loan amount and details like regular earning proof, bank statement, verified home address
  • Click on ‘APPLY NOW’ to submit the form
  • Receive an instant approval decision
  • Once approved, you receive an online loan agreement
  • Read all the terms and conditions carefully
  • If you agree, give consent to the agreement sent to you online.
  • Once you accept the agreement, we transfer the loan amount to your bank account.
  • Repayments of the loans are auto-debited on the due date mentioned in the loan agreement.

Annuityloans is an established name due to its transparency and speedy loan process. We are committed to providing the best loan deals based on your creditworthiness. Prove us that you can pay back the money and get immediate money in your account.

Our lending policies are straightforward, as we don’t delve into your financial past. For us, if you have stable finances at the moment, it is sufficient to lend you money. When we say current stability, we mean future repayment capacity, too. Therefore, keep no second thoughts. Do you need funds now? If yes, apply right now and receive funds by the end of the day.

FAQ's

Are the loan rates from Annuityloans fixed or variable?

What will be the consequences if I default on a loan?

Do Annuityloans offer loans with no credit check?

Is providing collateral mandatory to get a loan here?

Is it better to choose a direct lender or a broker?