Get your short term loan up to £10,000
- Flexible - pay back over 3 to 60 months
- Free service - no obligation
- If approved - cash could be sent quickly
79.5% APR Representative
Digitonomy Limited (trading as Growing Power) is a credit broker not a lender. All Applications Subject to affordability, UK residents only.
Rates between 15% APR and Maximum 1733% APR - your no obligation quote and APR will be based on your personal circumstances - we compare small loans from over 30 lenders to get you the lowest APR possible from our panel. If you are not successfully matched with a loan, we may show you alternative products and services, such as a credit building service, which may charge you a monthly fee if you choose to use this.
Frequently Asked Questions
You don't need a guarantor to be approved for a bad credit loan. Growing Power's panel of 30+ authorised and regulated finance companies include many lenders who could approve your loan application (subject to eligibility and affordability) even if you do not have a guarantor and your credit report is less-than-perfect.
No. With Growing Power, you can search for a loan online at any time of the day or night. If you need to borrow money now, fill in our online form and we’ll be able to tell you within 60 seconds whether we've found you a suitable loan.
If you've done your research and have decided that a fast loan is a suitable way to help you cover the cost of a financial emergency, Growing Power could help you search. Some of the lenders on the Growing Power panel could send your money on the same day your application is approved.*
With Growing Power, you can search for a short-term, personal loan from £100. Depending on the amount of money you apply to borrow, repayment terms start from 3 months.
You can search for an emergency loan with Growing Power if you meet our eligibility criteria.
We understand how stressful it can be when an unexpected expense crops up, such as a car in urgent need of repairs or a broken fridge that needs replacing as soon as possible.
If you don't have the fallback of savings, an emergency loan could be the financial float you need.
Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £1000.00. Interest rate: 79.5% pa (fixed). 79.5% APR Representative.
Rates between 15% APR and Maximum 1733% APR.Loan term lengths from 3 to 60 months. There are no fees for our service.
79.5% APR Representative
How could Growing Power help me search for an affordable and competitive loan?
Have you been turned down for a loan by a traditional lender because you’ve had some financial problems in the past? If so, you could consider using Growing Power.
Check your eligibility for a competitive loan without harming your credit score
79.5% APR Representative
How hard searches affect your credit score
Each time you make a full application for a loan directly with a lender, they’ll complete a creditworthiness assessment, which will include either a hard search or Open Banking.
A hard search will leave a footprint on your credit file, which will be visible to any other creditor who accesses your information. Undergoing multiple hard searches within a short period of time will harm your credit score, and this could negatively impact your chances of being approved for credit.
Growing Power use soft search technology
The information you provide in your application allows us to complete a soft search on your financial history.
We'll scan our panel of lenders for a suitable loan for you without affecting your credit score.
Other lenders can't see soft searches on your credit report.
How does Growing Power know which lender to match me with?
We work closely with our lending partners to offer a range of loans to suit different needs. With over 30 lenders on our panel, our technology could match you to the lender most suited to your circumstances.
When you apply through Growing Power, we will only ever send your details to the lenders who offer the type of loan you’re looking for.
Will Growing Power carry out a hard credit check?
Growing Power only use soft search technology to match you with a loan.
If you are eligible for a loan, we’ll then automatically direct you to the website of the lender you’ve been matched with to complete your application.
If you’re matched with a loan and you choose to make a full application directly with the lender, a creditworthiness assessment will be carried out by that company.
A creditworthiness assessment will include a hard search or Open Banking. Remember, a hard search WILL affect your credit score.
All of the lenders on our panel are authorised and regulated by the Financial Conduct Authority (FCA). Please be extremely wary of any company advertising no credit check loans as this is an unregulated activity.
Why choose Growing Power?
Here at Growing Power, we believe that competitive and affordable loans should be available to those who need them. Our application process has been designed to be as quick and simple as possible.
Growing Power is a credit broker with access to a panel of over 30 lenders.
Growing Power, and all the lenders we work with, are authorised and regulated by the Financial Conduct Authority (FCA).
Our service is free to use.
If approved, your money could be sent today.*
Our online form is straightforward and should take no longer than 5 minutes to complete.
Get a decision in just 60 seconds.
Growing Power will provide every effort to find you a loan. If we’re not able to do this, we may transfer you directly to alternative products and services, such as a credit card, credit monitoring service, or money advice specialist. Some of these services may charge a monthly fee if you choose to use them. You are not obliged to use any service if you do not feel this is right for you.
Growing Power could help you search for
We work with over 30 FCA-authorised and regulated lenders. We could help you search for a bad credit loan at a competitive and affordable interest rate.
Borrow between £100 and £10,000 over a period between 3 months and 60 months. Work with us to find you the right loan for your situation.
Our online form is straightforward to use and can be completed 24 hours a day, 7 days a week