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Little Loans review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Little Loans suits UK borrowers with a weaker credit file who need cash today, and it lends £100 to £10,000 with no setup charge. The catch is cost: settling a loan early is not free, so speed comes at a price worth checking first.

Key facts

Best for
Same-day UK cash for borrowers with a weaker credit file
APR
8.2% to 1,750%↗
Loan amount
£100 to £10,000↗
Term
3 to 60 months↗
Arrangement fee
0↗
Credit check
Soft prequal↗
Funding time
Most loans sent to your account the same day once accepted↗
Representative example
Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative.↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
No↗
Eligibility
Aged 18 or over, UK resident, UK bank account and valid debit card, regular source of income paid into that account↗
Loan types
Personal, Payday, Debt-consolidation↗
Credit needed
Poor↗
Legal entity
Digitonomy Limited↗
Headquarters
United Kingdom↗
Founded
2013↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
little-loans.com

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
TrustpilotX

Pros and cons

Pros

  • No setup charge, with an origination fee of 0 on the loans it brokers
  • Fast turnaround: Most loans sent to your account the same day once accepted
  • Lending covers personal, payday and debt consolidation loans, so planned and short-term borrowing sit in one place
  • Help runs on email, phone and help centre, with a help centre alongside phone and email

Cons

  • Free early repayment is no, so clearing a loan sooner still carries a cost
  • A rate of 8.2% to 1,750% puts the top of the range far above the 25.09% recorded for listed personal loans
  • Little Loans is a broker (broker), so the final rate and the lender come from whichever partner approves you
Little Loans

Ready to try Little Loans?

Scored 8.7 / 10 by SumCue.

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Who it suits

  • UK residents holding a UK bank account and a valid debit card, with regular income paid into it
  • Borrowers who need money today rather than a longer arranged personal loan, and who can carry a steep rate

Who should look elsewhere

  • Readers who want to borrow for years at a gentler rate: Sofkredit lends at 10.74% to 18.06%
  • Borrowers after a much bigger sum: Creduma ES starts at from €12,000
  • Anyone earning in Philippine pesos weighing a UK broker: Cashspace prices at PHP 12 to PHP 36 in that market

How Little Loans compares

Where Little Loans is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (690249), checked September 26, 2026
Licence in United Kingdom
Information Commissioner's Office (ZA007309), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Little Loans charge?+

The advertised rate runs 8.2% to 1,750% across the products, which is the cost of borrowing over 3 to 60. That sits well above the 25.09% recorded for listed personal loans, so the total repayable grows quickly on a longer term.

Is there an arrangement fee to pay?+

The origination fee is 0, so there is no setup charge added to a loan taken out through the broker. Interest is the main cost to check, and the rate stays fixed at fixed for the life of the loan.

Can I repay a loan early without a charge?+

Free early repayment is no, so settling a loan ahead of schedule is not free. Over a term of 3 to 60 the interest builds up regardless, which makes budgeting to the full length of the loan the safer route.

Who can apply for a loan?+

Applicants must be adults, UK residents, and hold a UK bank account with a valid debit card, with regular income paid into that account. The credit check is soft prequal, so an initial search does not need a full credit file.

How fast does the money arrive?+

Most loans sent to your account the same day once accepted, and same-day funding is listed among its features. Approval still sits with a partner lender, since Little Loans works as a broker rather than lending itself, so the timing depends on how quickly a partner responds.

Is Little Loans regulated?+

The broker is regulated by the Financial Conduct Authority under 690249, and registered with the Information Commissioner's Office under ZA007309. The lending itself is done by partner lenders, so the borrowing contract sits with them.

What kinds of loan are on offer?+

The broker lists personal, payday and debt consolidation loans, so personal, payday and debt consolidation borrowing all run through one application. Terms run 3 to 60, and the longer the term the more interest builds up over the life of the loan.

How do I get help with a loan?+

Support runs on email, phone and help centre, so questions can go to the help centre, by phone or by email. Digitonomy Limited is the legal entity behind the service, and the brand has traded under it since 2013.

Sources

  • register.fca.org.uk/s/firm checked September 26, 2026

    Backs: Licences

  • little-loans.com checked September 26, 2026

    Backs: APR, Credit needed, Funding time, Lender type, Arrangement fee, Rate type, Representative example

    “Rates between 8.2% APR and Maximum 1750% APR - your no obligation quote and APR will be based on your personal circumstances”

  • little-loans.com/about-us checked September 26, 2026

    Backs: Founded

    “Digitonomy Limited was established in 2013”

  • little-loans.com/contact checked September 26, 2026

    Backs: Headquarters, Support channels

    “Our registered office is at: Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN”

  • little-loans.com/part-of-digitonomy checked September 26, 2026

    Backs: Eligibility

    “Are over the age of 18 / Are a UK resident / Have a UK bank account and valid debit card / Have a regular source of income paid into your bank account.”

  • little-loans.com/short-term-loans checked September 26, 2026

    Backs: Loan amount, Features, Free early repayment, Loan types, Pricing model, Term

    “we work with a trusted panel of lenders who offer loans from £100 to £10,000”

  • little-loans.com/terms-and-conditions checked September 26, 2026

    Backs: Credit check, Legal entity

    “We carry out a soft search on you when you use our website to find a financial product or service. It does not affect your credit score”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Little Loans

Little Loans

Same-day UK cash for borrowers with a weaker credit file

8.7/10See alternatives