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£200 £2000 Representative Example: Amount of credit: £1200, interest rate: 49.9% pa (variable) and 1.65% transaction fee. Representative 68.7% APR (variable)

Quick Cash Loans

Financial shortages are becoming a common occurrence in British households. The growing pressures of the ever-changing global economy and the ease of access to quick loans online has made the short-term lending industry an important part of cash shortfall coping strategies. The debt charity StepChange estimates that in 2017, one in seven Britons borrowed money to deal with a cash shortcoming.

We’ve all had those moments when all we can think is: I need money fast! Whether you are experiencing an ongoing money deficit, or you have simply incurred an unexpected expense, the likelihood is that you will need some quick cash to fill the gap. So, what are your options when you need a loan fast?

Payday loans

A payday loan is a small sum of money, usually lent at a high interest rate, under an agreement that it will be repaid after a short period of time, typically when the borrower receives their next salary. Quick payday loans can give you access to cash fast, provided you are approved through the lender’s application process.

Credit cards

A credit card is a payment card issued by a lending institution, often a bank, which allows customers to make purchases that can be paid for in the future. If you already have a credit card you can use it to make payments, however if you are applying to be approved for a credit card for the first time it can be a lengthy process compared to quick money loans as you would have to wait for your card to arrive in the post.


An overdraft is a feature available on some people’s bank accounts that gives you the option to spend more money than you currently have available. Many people find overdrafts useful but the overdraft pricing structure has often been criticised as being too confusing with costs not directly linked to the amount being borrowed by the consumer. The Financial Conduct Authority is making a lot of changes in this area and new overdraft rules will be introduced in 2020 that simplify the pricing structure and allow an easier comparison between overdrafts and other forms of credit.

Borrowing from friends and family

There are plenty of ways to get cash quick, and sometimes borrowing from friends and family may be the best option to mediate an urgent financial situation as you may benefit from more flexible repayment options and no interest rate on your quick loan, however opening up about personal finances to people you know can be a difficult and private subject. It is important that you find a balance that is right for your personal relationships.

Need cash fast? Try our credit line!

We created Polar Credit to provide you with access to credit in a fast, easy and transparent way. A Polar Credit account is a revolving credit facility that lets you withdraw funds as and when you need them, with a one-off application and cash transferred to your bank account within minutes of approval. As long as you budget responsibly and make your agreed repayments to stay within the terms of your credit agreement, you can always rely on us as your alternative when you need fast loans.

Apply now for a Polar Credit Line and, if the application is approved, find out for yourself how we can help you get money fast!

Ready to Apply?Polar Credit

Representative Example: Amount of credit: £1200, interest rate: 49.9% pa (variable) and 1.65% transaction fee. Representative 68.7% APR (variable)

£200 £2000