Warning: ExtraMileFinance does not ask for any surprising fees. You can avail a loan without paying any upfront or any other charges.
Warning: ExtraMileFinance does not ask for any surprising fees. You can avail a loan without paying any upfront or any other charges.
Affordable online loan deals for eligible borrowers even with less-than-perfect credit. Borrow between £1000 and £10000 on flexible terms from 12 to 60 months. Fixed interest rates. No early repayment fee.
Loans available to anyone
Initial soft search
Decision in Minutes
Fast same-day payout
Representative APR 19.6% | No obligation, no impact on your credit score to check eligibility.
Are you looking for small personal loans in the UK to get additional funding? ExtramileFinance is a responsible direct lender offering flexible personal loans with direct lender solutions. This means you get the funds without the delays or added costs of going through a broker.
We offer loans through a streamlined online process to make loan decisions fast. It allows you to get instant funding when you need it for an emergency, a big purchase, or to consolidate multiple debts.
Our assessment looks beyond a single credit score. Instead, we consider the current financial circumstances of the applicants. Therefore, getting bad credit loans from direct lender options remains practical with us, not just advertising.
As one of the UK’s established direct lender loan providers, we tailor borrower-friendly offers irrespective of their credit histories. We accept only digital applications, which means:
There are many benefits to choosing loans from a direct lender in the UK over a broker. It means no middlemen, faster processing, and full transparency on rates and the loan process.
All loans are subject to affordability checks. This means you always know what your loan chances are.
You deal directly with a direct lender and no broker fee to pay from application to fund transfer.
With us, you can relax as we may accept you despite past defaults, missed payments, or CCJs.
Applicants with a strong credit profile can access personal loans from a direct lender at a low APR starting from 5.99%.
| Loan Type | Best For |
|---|---|
| Unsecured Personal Loans | Borrowers who don't want to risk an asset as security. |
| No Guarantor Loans | Applicants who prefer flexibility to borrow without a guarantor is required. |
| Single Parent Loans | Smaller, short-term borrowing option for those who want a loan on any income, including state benefits, child support or alimony. |
| Unemployed Loans | Individuals relying on alternate incomes instead of a traditional job. |
| Christmas loans | Ideal for preparing a Christmas budget and managing expenses. |
| 12 Month Loans | Short-term borrowing with a clear repayment end date. |
We assess each loan type individually. Therefore, the right product depends on your circumstances, amount required, and preferred repayment term.
A poor credit history does not mean an end to your loan options. Our very bad credit loans with direct lender criteria are designed around current affordability instead of past mistakes.
We are available for applicants who have experienced :
If you have any of the issues above, our direct lender loans for bad credit with no guarantor options may still be available. However, there is no guarantee of loan approval, as each application is subject to affordability and eligibility checks.
Complete our short application form within a few minutes.
Receive a quote with clear terms tailored to your circumstances.
Review the loan details like term, amount, and fees. Confirm it before proceeding.
We make fast loan decisions, often within minutes. We may ask you for extra details.
Once approved, we straightaway send the funds to your account.
Do you need funds soon? Our instant cash loan direct lender service is tailored for fast funding but with no compromise on responsible lending.
We have streamlined the process, where every application still involves an affordability assessment. It is beneficial for both of us due to affordable lending. We do a soft credit search that does not affect your credit profile.
Many people in the UK search for loans with no credit check from a direct lender. It is worth knowing that ExtramileFinance does carry out eligibility and affordability checks on every application.
With us, you have the clarity of whether a loan approval is there without any delay. We aim to offer loans that suit your financial circumstances and repayment capacity.
Do you have any questions or doubts regarding our loans or application process? Find some queries here along with their answers that address what users frequently wonder about or misunderstand. For further help, you can contact us anytime and anywhere.
A direct lender assesses your loan and transfers the funds directly if your loan request is approved. ExtramileFinance offers loans directly without passing your application to a third party. However, every loan approval is based on your current affordability.
No. We work with clear terms where you won’t find any upfront fees. Besides, there is no early repayment charge if you clear your loan ahead of schedule. We encourage you to choose affordable borrowing with no extra pounds to pay.
Not necessarily. You can have guarantor loans from a direct lender and options for loans without a guarantor, too. You should decide your most appropriate option depending on your application and loan amount.
Yes, all loan applications are subject to an eligibility and affordability check, as required by UK lending regulation. You can check your eligibility with us before proceeding by using a soft search that does not affect your credit score.
You can apply for our loan anywhere in the UK. The entire process is online so that you can apply from your phone, tablet, or computer. Never apply beyond your repayment capacity, as it may hurt your credit score.
