Growing Power will never call you and will never charge you any fees. Never pay upfront fees for a loan or send money in return for a loan.

Get your short term loan up to £10,000

  • Flexible - pay back over 3 to 60 months
  • Free service - no obligation
  • Fast loans - cash could be sent in minutes*
Apply 24/7
Available 24/7 online - apply now
Cash in minutes
Cash could be sent to your bank account in minutes
Decision within seconds
Get your decision within seconds
Affordable repayments
Affordable repayments

Frequently Asked Questions

Do I need a guarantor if I have bad credit?
No guarantor loans

You don’t need a guarantor to be approved for a bad credit loan. Growing Power’s panel of 40+ authorized and regulated finance companies include many lenders who will approve your loan application (subject to eligibility) even if you have no guarantor and your credit report is less than perfect.

Do I need to phone you up or visit your branch to apply for a loan?
Borrow money now

You can apply online at any time of the day or night for a loan through Growing Power. If you need to borrow money now, fill in the form on our website to apply and we’ll be able to tell you normally within seconds whether we’ve found you a lender who’s happy to work with you.

Do you do emergency loans? How quick will it be before I get the money?
Fast loans

If you need a fast loan to cover an unexpected expense or a financial emergency, your loan could be sent directly into your bank account within minutes* when you apply through Growing Power (subject to eligibility). We understand that, when it’s an emergency, you do need the money straight away.

I don’t need to borrow a lot of money. Can you help?
Quick small loans

Many of the borrowers we help only want a quick small loan for £100 or more and we’ll link you up to the lenders most likely to approve your application. Our service is fast, easy to use, and it’s all done within a few seconds.

Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative.

Rates between 11.8% APR and Maximum 1698.1% APR.Loan term lengths from 3 to 60 months. There are no fees for our service.

Warning: Late repayment can cause you serious money problems. For help, go to

Search for affordable, competitive loans without harming your credit score

How hard searches affect your credit score

Every time you make a full application for a loan direct with a lender, they’ll run a “full credit search” on you. The problem with this is that full searches leave a footprint on your credit report for all other lenders to see. If a lender sees a lot of full searches on your report carried out within a short space of time, it may actually reduce your credit score. So, the more lenders you apply to direct within a short space of time, the less likely you are to find the loan that you need.

Why Growing Power uses soft searches

When we first contact the lenders on our panel most likely to offer you a loan based on the information you give us on your application form, they’ll only perform soft searches. Other lenders aren’t able to see soft searches on your report and your credit score will be completely unaffected by soft searches. This means that you can search as many times as you like with Growing Power.

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How does Growing Power find me 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 should consider applying for your next loan through Growing Power. Growing Power works with modern and more open-minded lenders meaning that eight out of ten people who apply to us find the loan that they need.

You can test out the technology we’ve developed to find you a loan for free to see for yourself how our system works before you even apply.

How? Just enter a few details about yourself into our FastCheck tool. Within 60 seconds, we’ll let you know what your chances are of being approved for the loan you want to apply for. If FastCheck comes back to you with a positive result, you can choose to continue with your application by telling us how much you want to borrow, how long you’d like to repay your loan, your income, and your monthly outgoings.

We’ll then send your details to the lenders on our panel who offer the type of loan you want. At this point, they’ll run a soft search on you. Other lenders can’t see soft searches on your report and they don’t affect your credit score.

Once our selected lenders have run their searches on you, we’ll then automatically direct you to the website of the lender most likely to offer you an affordable and competitive loan. When you’re there, simply fill out the form and, if they approve your loan, the money will be sent to your chosen bank account within as little as minutes*.

All of the lenders on our panel are authorised and regulated by the Financial Conduct Authority (FCA). Please be careful before applying to a company advertising a no credit check loan because no credit check loans are not authorised by the FCA.

5 reasons to choose Growing Power to find you a loan

Growing power logo
Choose us because…
How much can I borrow?
Online application, no paperwork
How long do I have to pay the loan back?
3 months to 60 months
No obligation quote
What is the Growing Power APR?
49.9% variable
Get an instant decision
Are bad credit applicants welcome?
Flexible repayment options
Does Growing Power credit check me?
Preserve your credit rating

Each lender has a preferred type of loan they like to make and a preferred type of borrower they like to work with. Let Growing Power do all the searching for you. We process 1,000s of loans every day and we find a loan for 8 out of 10 people who apply to us.

How does Growing Power know which lender to match me with?

Every time we welcome a new lender onto our panel, we first ask them what type of loan they like to make and what type of borrower they feel most comfortable lending to. This means that our technology is able to match you to the lenders most likely to work with you within just a few seconds when you fill in our application form.

We’ve designed our system to be as quick and easy-to-use as possible for borrowers. We understand that, in many cases, you need the money in a hurry to cover an unexpected bill or other type of financial emergency.

When you apply through Growing Power, we will only ever send your details to the lenders who offer the type of loan you are looking for.

Ready for a quick loan?

Growing Power’s range of loans

Apply 24/7
Bad credit loans

We work with over 40 FCA-authorised and regulated lenders. Let us find you a bad credit loan at a competitive and affordable interest rate.

Lightning bolt
Flexible personal loans

Borrow between £100 and £10,000 over a period of between 3 months and 60 months. Work with us to find you the right loan for your situation instantly.

Debt consolidation loans

The right debt consolidation loan could save you a lot of money and make managing your monthly repayments easier. Find out more.

Instant decision within minutes on loans up to £10,000

No credit footprint

Worried about applying for a loan because you’ve heard that there’s a trace left on your credit report with each application you make? It’s true that, if there are too many hard searches on your credit report, your credit score will be negatively affected. It’s also true that many lenders are put off approving a request for a loan if they see a lot of hard searches on your file. Our FastCheck tool helps you.

FastCheck - how likely are you to get a loan?

FastCheck from Growing Power lets you know within 60 seconds how likely your application for a loan is to be successful. Give us some details about yourself and the loan you want and, in under a minute, we’ll show you our “loan confidence” score. The higher your loan confidence score, the better chance you have of finding a competitive and affordable loan from our panel of authorised and regulated lenders.

If FastCheck comes back to you with a high level of confidence that one of our lenders will probably be able to help you, you can apply for a loan through Growing Power straight away.

No paperwork, no face-to-face appointments

When you apply for a loan through Growing Power, you don’t have to phone us. There is no paperwork to print off, complete, and post back to us - everything is done online.

And you can apply at any time of the day and night and still receive your money within minutes* of completing your application (subject to eligibility).

Will you approve my loan?
Try FastCheck to find out how confident we are that we can find you the loan you want.
Find out in 60 seconds or less

How likely are you to find a loan?

Wouldn’t it be great if you could find out how likely you are to be approved for the loan you want before you even apply? By using Growing Power’s FastCheck service, you can. Click the “Check now” button to start.

Why choose Growing Power?

Here at Growing Power, we believe that as many people as possible should have access to competitive and affordable loans. We believe in making the application process as quick and simple as possible.

We also believe that, if your application for a loan has been successful, you shouldn’t be made to wait around for the money you need. If one of our lenders say “yes” to you, your loan could be sent to your bank account within minutes*.

We work with over 40 authorised and regulated lenders and, if you have a bad credit rating, we know the lenders most likely to approve your application when you fill in our application form.

Apply though Growing Power for the loan you need. We find competitive and affordable loans for eight out of ten of borrowers.