Scam Warning: Heart Loans will never call you or ask you for an upfront fee for using their service. To report a scam visit
Scam Warning: Heart Loans will never call you or ask you for an upfront fee for using their service. To report a scam visit

Everything you need to know to help you get the right loan.

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Are you thinking of applying for a Heart Loans loan but don’t know where to start? Take a look at our most frequently asked questions to help guide you through the loan application process. When it comes to payday loans we like to make things as simple as possible, our FAQ’s will help clear up any queries or questions that you may have when it comes to applying with us.

If you are still unsure about how to use our online loans service or want to know more about what you can expect from us, you can contact our customer service team directly who will be more than happy to guide you through every step of the way.

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  • How much can I borrow?

    You can borrow between £100 and £2000

  • How long can I borrow for?

    You can borrow funds between 7 and 90 days

  • Am I eligible to apply?

    You must be aged 18 years or older, be a UK resident, have an active bank account in which you will receive your funds and have a regular source of income.

  • How do I apply for a loan?

    Please fill in our 3 minute online application form – You will then receive an instant decision.

  • When will I receive my loan?

    If approved you will receive the funds in your account on the very same day or the next working day.

  • How will I receive my loan?

    The funds will be transferred into your account via electronic bank transfer.

  • What can I use my loan for?

    You may use the money however you wish, although we are interested in the main reason that you may need additional funds.

  • Will you check my Credit Score?

    We will not carry out any credit checks during the application process. The lender that you are referred to may choose to do so. You should always read the Lender’s term before proceeding with any loan agreement.

  • How can I pay my loan back?

    In most cases a payday loan repayment date will be agreed between you and the lender and the amount will be automatically debited from your account on the agreed date. All you have to do is ensure that you have the funds in your account on the agreed date in order to pay back your loan.

  • Who is

    Heart Loans allow you to apply for a loan completely online using the monevo lending platform. By using this platform we show your application to a whole panel of lenders. If your application is approved, our application form will direct you to the payday loans lender that has accepted your application where you will then be required to provide a few more details before your funds are transfered into your bank account.

Why is HeartLoans right for you?

In the UK alone, thousands of people every week are hit with unexpected bills and expenses which they have not budgeted for. Even the most organised can find themselves in moments of financial strain. Many traditional lenders and banks only offer their customers with complex or time consuming strategies to lend money to help cover these times of financial difficulty. Here, at Heart Loans, we understand how long processes and the paper work associated with bank loans only increases the stress of the situation you are facing. That is why we believe in providing our customers with a much simpler and stress free solution. We strive to deliver a reliable and quick way to apply and receive the money you need. Our customers remain in full control of their pay day loan, choosing the exact amount of money they want to lend along with when you want to pay it back. Heart Loans will then use our leading lending platform Monevo, to rapidly source you with the best short term loan provider appropriate for your personal requirements to choose from. Simply fill out our 5-minute online payday loan application form, and the money could be in your bank account in as quick as 15 minutes**! Our quick and easy instant payday loan application system is why we are one of the best payday loans company in the UK. .

  • Online Application takes just 5 minutes
  • Money Transferred in 15 Minutes**
  • Instant Payday Loans Approvals Online
  • No Hidden Fees or Charges
  • Lowest Possible Interest Rates and APR*
  • Flexible Borrowing and Repayment Terms
  • Application is Safe and Secure
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