Your Loan Today offers personal loans in the range of £250 to £2,000, providing a simple, clear solution if you’re seeking quick financial help. With no upfront fees and a straightforward online application, you can apply confidently, knowing exactly what to expect.

Loans come with an 18-month standard term, with a fixed flat interest rate of 168% per annum, representing a 679% APR. No fees are charged before your loan is approved, and you can receive your funds as quickly as the same day if approved early in business hours.

How to Apply for Your Loan Today: Step by Step

1. Choose the amount you wish to borrow, between £250 and £2,000.
2. Complete a simple online application form with your personal and financial information.
3. Submit your application and undergo an eligibility and affordability assessment.
4. If approved, review the loan offer and accept the terms.
5. Receive funds directly into your bank account, sometimes on the same day.

Pros: Key Advantages

A standout feature of Your Loan Today is the absence of any upfront fees or hidden charges. The application is also very quick to complete online.

Furthermore, early repayment is available at any stage without incurring penalties, offering borrowers added flexibility and control.

Cons: Considerations Before Applying

The representative APR is quite high at 679%, so borrowers should carefully assess affordability and consider the total repayment amount before proceeding.

Loans are only available to applicants over 21 years old, making it inaccessible to younger consumers seeking similar options.

Our Verdict: Should You Consider Your Loan Today?

Your Loan Today is well-suited for those who may have difficulty obtaining traditional credit, given that poor credit is considered. The no upfront fee policy and fast payout are major pluses.

However, given the high interest, applicants should only use this lender when absolutely necessary and ensure they can manage the repayments over the loan’s full term.