When an emergency strikes, it is only natural to want a solution as quickly as possible. No matter if you have urgent car repairs or a broken down boiler, time is of the essence when it comes to sourcing the funds that you need. This is why you might turn to instant decision loans. With this type of loan, similarly to our quick loans and urgent loans, you could be offered a lending decision on the same day, depending on the lender, so they can be helpful for people in time of need.

At QuidMarket, we offer a short term alternative to payday loans, which has been designed to be quick and simple to access. However, we take a human approach to reviewing applications rather than relying on automated programmes, so we may not be able to offer loans online with instant decisions. Of course, we do understand that you need our help to cover your unexpected issue, so we will work as quickly as possible to provide a decision. We allow new applicants to borrow between £300 to £600, and returning customers may be able to borrow up to £1,500. This is to be paid back over a period of 3 to 6 months, which allows you to choose a repayment plan that suits your current finances.

  • FCA authorised, responsible lender
  • New customers can borrow between £300 and £600*
  • Returning customers may be eligible to borrow up to £1,500*
  • Flexible repayment terms between 3-6 months
  • No hidden fees
  • No guarantor required
  • Bad credit applications considered
  • Quick and easy applications
  • Decisions made personally by humans, not computers

*Loan amounts and repayment terms are dependent on affordability checks

How much do you need?

£300 £1500

For how long?

Apply Now

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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.

What Are Instant Decision Payday Loans?

Instant decision cash loans vary between lenders, but typically, this type of loan is advertised as offering a lending decision within minutes of applying. Many lenders may also offer same day cash transfers, which makes instant decision payday loans pretty attractive if you need quick access to funds. However, it is essential that you do not mistake guaranteed loans for fast decision loans, as these can be dangerous and detrimental to both your financial position and credit rating.

In order to make their lending decisions instant, many lenders could be using automated programmes to read through applications. While this does speed up the process, we prefer to check each application personally. This means that we are able to get a better understanding of our customers, their needs, and their affordability to make a lending decision. We cannot guarantee fast payday loans with instant decisions, but we can guarantee that we will work quickly to decide if you can comfortably make repayments on an instalment loan to avoid leaving you out of pocket.

Do QuidMarket Offer Instant Decision Cash Loans?

Our human approach to reviewing applications means that we cannot offer loans online with instant decisions, but we work as fast as we can whilst making sure we check every necessary aspect of your application. This includes your monthly income, your essential outgoings, and regular financial commitments to ensure that you can afford the repayments. If you apply outside of our working hours, we will check your application on the next working day, so if you need access to fast payday loans with instant decisions, it is best to apply during the week.

While our decisions may not be instant, we can offer same day cash transfers. This means that when we have reached a lending decision and the agreement has been signed, we can send your funds the very same day. We transfer the funds via Faster Payments System (FPS) and so should be available within minutes of the transfer. However, your application may be slowed down if we find mistakes or any pieces of missing information on your application form. If any issues are flagged up during our checks with Fraud Prevention Agencies and Credit Reference Agencies, this can also slow the process, so it is essential you make sure your application is as accurate as possible.

Can I Get Quick Decision Loans For Bad Credit?

If you need access to quick decision loans for bad credit, there are many providers only who may be able to help. Be aware that many bad credit loans may offer higher interest rates than other types of loans, so you should only apply if you are confident about making repayments. At QuidMarket, we strive to help hardworking people in a range of financial circumstances, so if you have poor credit, we could help you.

However, if you are struggling to find bad credits loans with instant decisions that suit your needs, there are a few other options you can consider, such as:

  • Using savings – if you have considerable savings, you may want to use them to cover your financial difficulties.
  • An overdraft – if you have a current account, you may be able to get an authorised overdraft from your bank.
  • Credit cards – instead of looking for instant decision payday loans, try a credit card with a 0% interest period. Make sure you pay back as much as you can each month to keep your costs down, and do not be tempted to spend more than you can comfortably repay. This method could also boost your credit rating if you manage to keep up repayments.
  • Applying with a credit union – credit unions have a cap on how much interest they can charge, so they can be more affordable than bad credit loans with instant decisions, but you will need to apply to become a member first.
  • Personal borrowing – borrowing from friends and family could put a strain on your personal relationships, so this should always be your last resort if you have exhausted all other options. However, if you have a trusted person to help you, they could support you in covering any financial gaps.

If you need further help understanding the available alternatives to loans, please speak to the Money Advice Service for impartial support.

Why Choose QuidMarket?

Before applying to any lenders for instant decision cash loans, we recommend that you shop around online. It is essential that you create your own comparisons to find the best deals and lenders that work for your needs, but here are a few reasons why we think you should consider QuidMarket as an option:

FCA Authorisation

Transparency is key in a loans provider, so you should aim to find a lender that is fully FCA authorised. We are proud to say that QuidMarket holds this authorisation, so you can be sure that we are reputable, follow the correct regulations, and adhere to high lending standards.

No Hidden Fees

We pride ourselves on being transparent and honest, so if we were selected as your provider we can assure you that there are no hidden fees on any of our loans. No matter if you need emergency loans or something entirely different, we do not charge any upfront or late payment fees on top of the loan you choose. We simply provide a repayment schedule that clearly explains the loan repayments before we come to an agreement.


We strive to keep our loan options as flexible as possible to cater to as many financial positions as possible. Each applicant is offered the chance to pay their loan back over a period between 3 to 6 months, and we provide the perfect amount of cash for their needs. Our loans start from £300 to £600 for new applicants, or up to £1,500 for repeat customers, so you can choose the amount that best suits your requirements.

Options For Bad Credit

We consider all applications, basing our poor credit loans on affordability to avoid leaving you in further financial difficulties. Instead of basing our lending decisions solely on your credit history, we will assess your affordability. This includes reviewing 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. If you need bad credit loans with instant decisions, we may be able to help.


If you have any more questions about instant decision loans or the types of loans we offer, you may be able to find the answer in our FAQs. If not, please contact us and our friendly team will be on hand to help.

We aim to process applications as quickly as possible so approved applicants can receive the funds they need fast. This will usually be the same day within 2 hours, but this will depend on the time of day that you apply and if your bank accepts faster payments. If outside business hours, we won’t be able to process until the next working day.

Whilst we require applicants to be in employment and earning over £1300 per month, you will need to be between the ages of 23 and 65 to apply. Unfortunately, we are unable to help applicants under 23 years old, even if you meet other requirements.

We can provide an instant decision, however, this does not mean you will be guaranteed a loan through us. We provide pre-approval on receipt of your application form, but this does not mean you have been successful. We will still need to assess your application through our team of underwriters, but this process is done as quickly as possible.

We do not charge any hidden fees, so there are no surprises when applying for an instant decision loan. We do not charge any fees and you will be advised of the total cost for your loan before deciding to proceed with a loan offer. We do not charge an upfront fee for applying with us and as we are a direct lender, we do not charge a referral fee either. Similarly, we do not charge late payment fees. Full details of the loan costs will be on your pre-contract information.

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: www.moneyhelper.org.uk