How It Works

Applying for a Short Term, Personal or Guarantor loan has never been simpler. Oink Money's intelligent online application process consists of three simple steps, designed to save you time searching the internet for the best deal. We search a panel of over 40 lenders on your behalf, to find the best loan for your personal circumstances. Like a matchmaker. We won't even carry out a credit check until you're ready to agree to the loan. The best bit is, our no obligation service is completely free of charge.

Step 1

Complete our quick and simple application form online

This one page application form tells us (and the lenders) everything we need to know about you to find the right loan.

Step 2

Sit back and relax while we work our magic

We always go the whole hog when it comes to finding you the best deal.

Our award winning system matches your details with the best products on offer from over 40 of the UK's top lenders. We want to deliver on our promise and get you the best deal available, so we order the lenders by cheapest APR for your circumstances. Using our comparison table, you can then make a decision regarding the product which best suits your needs.

If we cannot match your details with one of our lenders, you can choose to have your details forwarded to a specialist finance broker who may be able to help further

Step 3

Sign the online agreement

Once your application has been approved, you'll be presented with the option to electronically sign the agreement online.

For applications made before 3pm on a working day, you could receive your loan on the same day - sometimes as quickly as in 15 minutes! Applications made after 3pm or during a weekend will usually be paid on the next working day. Check with your lender for the exact timescales for payout, as this may vary.

And that's it.

*We do not carry out a credit check, however during the application process your chosen lender may conduct a credit check to assess your ability to repay any borrowed money.

**Same day payout not available from all lenders. Please check the terms and conditions before signing your loan agreement for details of exact timescales.