£1,000 Loans UK — Compare FCA Lenders

Q: Can I borrow £1,000 today?

Yes. Several lenders on our panel offer same-day payouts on £1,000 loans. Lending Stream, Drafty and Cashfloat all offer fast decisions and same-day transfers.

Q: What APR will I pay on a £1,000 loan?

APR varies by lender and your credit profile. On our panel, rates range from 49.9% (118118 Money, for borrowers with fair credit) to over 1,000% for short-term emergency lenders. Always check the total repayable amount before applying.

Q: Can I get a £1,000 loan with bad credit?

Yes. Several lenders on our panel — including Cashfloat, Moneyboat and QuidMarket — accept applications from borrowers with poor credit. Approval is based on affordability as well as credit score.

Q: How long can I repay a £1,000 loan over?

Repayment terms vary from 1 month (payday loans) to 36 months (personal loans). Longer terms mean smaller monthly payments but more total interest. Compare the total repayable, not just the monthly cost.

Q: Is there a free way to compare £1,000 loans?

Yes. Nudge Finance is completely free to use. We connect you directly to eligible lenders — no forms, no credit checks from us.

We have reviewed the top FCA-regulated lenders available to UK borrowers — all completely free to use.

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Loan amount£50 – £8,000

Minimum

Maximum

Max APRAny

50%Any

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Bad credit accepted onlySame-day payout only

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★ BEST RATE

118118 MoneyShort-term loan⚡ 2–24 hoursRead our review →

Nudge Score

Rep APR

49.9%

Loan Range

£1,000–£8,000

Term

1–5 years

Bad Credit

✓ Accepted

Apply now →

118118 Money

Short-term loan⚡ 2–24 hours

Nudge Score

Rep APR

49.9%

Loan Range

£1,000–£8,000

Term

1–5 years

Bad Credit

✓ Accepted

Read our review →Apply now →

Representative example: Borrow £1,000 over 18 months. Rep APR 49.9%. Monthly repayment £68. Total repayable £1,224.

DraftyShort-term loan⚡ MinutesRead our review →

Nudge Score

Rep APR

79.9%

Loan Range

£50–£3,000

Term

1–3 years

Bad Credit

✓ Accepted

Apply now →

Drafty

Short-term loan⚡ Minutes

Nudge Score

Rep APR

79.9%

Loan Range

£50–£3,000

Term

1–3 years

Bad Credit

✓ Accepted

Read our review →Apply now →

Representative example: Borrow £500 over 12 months. Rep APR 79.9%. Monthly repayment £53. Total repayable £636.

CreditspringShort-term loan⚡ Same dayRead our review →

Nudge Score

Rep APR

83.1%

Loan Range

£400–£2,400

Term

6–12 months

Bad Credit

✓ Accepted

Apply now →

Creditspring

Short-term loan⚡ Same day

Nudge Score

Rep APR

83.1%

Loan Range

£400–£2,400

Term

6–12 months

Bad Credit

✓ Accepted

Read our review →Apply now →

Representative example: Borrow £500 over 12 months. Rep APR 83.1%. Monthly repayment £55. Total repayable £660.

CashfloatShort-term loan⚡ Same dayRead our review →

Nudge Score

Rep APR

611.7%

Loan Range

£300–£1,500

Term

3–9 months

Bad Credit

✓ Accepted

Apply now →

Cashfloat

Short-term loan⚡ Same day

Nudge Score

Rep APR

611.7%

Loan Range

£300–£1,500

Term

3–9 months

Bad Credit

✓ Accepted

Read our review →Apply now →

Representative example: Borrow £400 over 6 months. Rep APR 611.7%. Monthly repayment £105. Total repayable £630.

Money PlatformShort-term loan⚡ InstantRead our review →

Nudge Score

Rep APR

839.2%

Loan Range

£250–£1,000

Term

3–6 months

Bad Credit

✓ Accepted

Apply now →

Money Platform

Short-term loan⚡ Instant

Nudge Score

Rep APR

839.2%

Loan Range

£250–£1,000

Term

3–6 months

Bad Credit

✓ Accepted

Read our review →Apply now →

Representative example: Borrow £300 over 3 months. Rep APR 839.2%. Monthly repayment £145. Total repayable £435.

Lending StreamShort-term loan⚡ 90 secondsRead our review →

Nudge Score

Rep APR

1,271%

Loan Range

£50–£1,500

Term

4–6 months

Bad Credit

✓ Accepted

Apply now →

Lending Stream

Short-term loan⚡ 90 seconds

Nudge Score

Rep APR

1,271%

Loan Range

£50–£1,500

Term

4–6 months

Bad Credit

✓ Accepted

Read our review →Apply now →

Representative example: Borrow £300 over 6 months. Rep APR 1271%. Monthly repayment £107. Total repayable £642.

MoneyboatShort-term loan⚡ Same dayRead our review →

Nudge Score

Rep APR

1,267%

Loan Range

£200–£1,500

Term

3–6 months

Bad Credit

✓ Accepted

Apply now →

Moneyboat

Short-term loan⚡ Same day

Nudge Score

Rep APR

1,267%

Loan Range

£200–£1,500

Term

3–6 months

Bad Credit

✓ Accepted

Read our review →Apply now →

Representative example: Borrow £400 over 6 months. Rep APR 1267%. Monthly repayment £143. Total repayable £858.

QuidMarketShort-term loan⚡ Same dayRead our review →

Nudge Score

Rep APR

1,299%

Loan Range

£300–£1,500

Term

3–12 months

Bad Credit

✓ Accepted

Apply now →

QuidMarket

Short-term loan⚡ Same day

Nudge Score

Rep APR

1,299%

Loan Range

£300–£1,500

Term

3–12 months

Bad Credit

✓ Accepted

Read our review →Apply now →

Representative example: Borrow £500 over 6 months. Rep APR 1299%. Monthly repayment £182. Total repayable £1,092.

Independent loan comparison. Rates shown are representative; your actual rate depends on circumstances.

Frequently asked questions

Can I borrow £1,000 today?

What APR will I pay on a £1,000 loan?

Can I get a £1,000 loan with bad credit?

How long can I repay a £1,000 loan over?

Is there a free way to compare £1,000 loans?

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