Aqua is no longer accepting loan applications for new or existing customers, so if you have been looking for the perfect Aqua Loans alternative, you may be in the right place. QuidMarket offer competitive short term loans from as little as £300 to £600 for new borrowers, and up to £1,500 for repeat applicants, dependent on affordability checks, so if you need to find a lender like Aqua Loans UK, we are here to help. With loans based on affordability and quick lending decisions, we may be able to provide a variety of loan options for you, no matter your financial history and situation.

At QuidMarket, we believe in offering as much information about loan providers and alternatives as possible to help you make an educated choice when it comes to applying for a loan. On this page, we will cover Aqua, the types of loans that they offered, and the Aqua Loans alternatives that are available. Hopefully, this will help you to make an informed decision about which alternative is ideal for you and your financial position.

How much do you need?

£300 £1500

For how long?

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This is for illustration purposes only. Your repayment schedule will be confirmed during your application

*All applications are subject to affordability checks*

Representative example: Borrow £300 for 3 months / Interest payable £154.38 / Total amount payable: £454.38 in 3 instalments / 3 payments of £151.46 / Representative 1301.1% APR / Interest rate 292% per annum (fixed) / Maximum APR 1625.5%

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As a new customer the minimum repayment period is 3 months and the maximum is 6 months. Additional options may be available to you as a repeat customer.

Who Were Aqua?

Aqua Loans UK were a personal loans lender until they removed their finance product from the market during the coronavirus pandemic. Since the date of closing, they have no longer accepted loan applications from new or current customers, prompting many people to search for Aqua alternatives. Thankfully, there are still lenders available who can offer competitive loans with rates and terms to suit you and your financial needs.

One alternative to consider for an Aqua Loans alternative is QuidMarket. We have been operating online since 2011 to help hard working people meet their short term financial needs, whether they have an emergency loans situation to handle or a temporary cash flow issue. We offer a simple short term loan application process, particularly for those with a low credit score, taking a personal approach to each application to check affordability.

How Does QuidMarket Work As An Aqua Loans UK Alternative?

We are a short term loan lender that offers loans based on affordability, which allows us to cater to many financial backgrounds and situations. We take a personalised approach to every application that comes through our website to make sure that each customer can afford the monthly repayments on their instalment loans. With a number of Aqua Loan UK alternatives available, it can be difficult to know which lender to turn to. However, at QuidMarket, we do the hard work for you and all we need you to do is fill out our online application form to tell us how much you want to borrow and the amount of time you need to repay. We will then take the time to process your application to come to a lending decision, rather than use an automated computer programme.

We do not offer personal loans like Aqua did, but instead, we provide short term loans, which are easier to manage and offer you a repayment term that suits your needs. We help thousands of customers with our flexible approach to lending by giving them the cash that they need when they need it most. With loans starting from £300 to £600 for new applicants, and up to £1,500 for repeat applicants, we could be the ideal choice if you need an alternative to Aqua Loans.

Why Choose QuidMarket?

While we recommend that you shop around to find your perfect Aqua alternative, we may just be the ideal option. By reading Aqua Loans reviews and conducting your own research, you can create a comparison to help you decide which provider is best for you. However, we believe that you should consider QuidMarket and here are just a few reasons why:

Options For Bad Credit

We started QuidMarket because we wanted to help hard working people, even if they had poor credit history. We consider all applications, despite your credit score and base our bad credit loans on affordability to avoid leaving you in further financial difficulties. Instead of reviewing your whole credit history, we will assess your regular monthly income, your essential spending, and any other financial commitments to determine whether you will be able to comfortably make regular repayments each month.

FCA Authorisation

Honesty and trustworthiness are key in a loans provider, so we are proud to say that we are fully FCA authorised. By selecting a provider that holds this type of authorisation, you can be sure that they are reputable and offer higher standards when it comes to lending.


QuidMarket provide loans for a range of people from a variety of financial backgrounds, so it is essential that we keep our loan options as flexible as possible. We want to offer every applicant the potential to pay their loan back over a period that suits them, and provide the perfect amount of cash for their financial situation. We offer loans from £300 to £600 for new applicants, or up to £1,500 for repeat customers, with a variety of amounts in between.

No Hidden Fees

We guarantee total transparency with our loans, and if selected as your Aqua Loan UK alternative, we can ensure that there are no nasty surprises or hidden fees. Whether you need cash loans, no credit check loans or something entirely different, we do not charge any upfront, late payment or extra fees on top of the loan you choose. We take a simple approach, and clearly explain the loan and repayments before we come to an agreement. This will be what you pay and there will be no other fees.

Responsible Lending

When offering loans to individuals in difficult circumstances or with poor credit history, it is essential that we take a responsible approach. We have our customers’ best interests at heart and will not let an applicant secure a loan if we believe that they do not have the means to repay each month. We will make sure that no applicant is left out of pocket and if we believe that an individual will struggle to make repayments, we will not approve the application.

We want you to be completely confident in your Aqua Loans UK alternative choice, so there is no need to make a decision on the spot. Instead, take the time to browse other alternatives and read Aqua Loans reviews to see the types of benefits they offered to find out which alternative would work similarly. However, it is worth remembering that QuidMarket offer flexible and competitive short term loans for terms as short as 3 months to cover any temporary financial issues. Find out about our alternatives to Amigo Loans and Cashfloat. If you have any further questions, you may be able to find the answer on our FAQs page. If not, please contact us at QuidMarket and our friendly team will be happy to help.

No matter the type of loan you want, applying always has a slight risk, as you will need to maintain repayments to protect your credit score. To decide whether a loan is right for your circumstances, there are many things to consider before you apply for an alternative to Aqua. Firstly, it is essential to look at your other options first, such as using a credit union, accessing your savings, or borrowing from friends or family. These options can offer lower or no interest rates, so they could be a more affordable way to borrow. However, if you decide that a loan is truly the best option for your needs, it is essential that you are confident about repaying. Missed repayments can damage your credit score and result in future difficulties when applying for credit. As providers of alternatives to Aqua, we are on hand to help if you run into financial issues that affect your ability to repay, so please contact us straight away.

To make our Aqua Loans alternatives sustainable for every customer, we offer tailored quotes based on your unique circumstances. The amount you repay will vary depending on the term you choose, and you can select a period between 3 to 6 months. You can use the calculator tool on our homepage to work out an estimate of the costs for the loan you need. You can also rest assured that as lenders of alternatives to Aqua Loans in the UK, we follow the FCA’s costing guidelines, which means you will never pay more than 100% of the original loan amount (including interest and all other costs). We are always transparent with our loan options, and clearly lay out the full cost of your loan with no hidden fees or extra payments.

If you have a low credit rating, you may have tried searching for various ways to boost your score. There are plenty of methods you can use, including:

  • Registering on the electoral roll
  • Checking and correcting any mistakes on your file
  • Avoiding submitting too many credit applications at once
  • Paying your bills on time
  • Keeping your credit utilisation low

However, you may also see some improvements to your credit score by paying off monthly instalments of our loans in full. This will only apply if you are able to repay the minimum each month to avoid defaulting until the full amount is repaid. Once completed, a fully repaid account will be visible in your credit history, which will allow future lenders to see how responsible you are with managing repayments, and potentially improve your score.

Warning: You should never pay upfront fees for a short term loan or send money in return for a short term loan. Late repayment can cause you serious money problems. For help, visit: