Representative Example: Amount of credit: £1500 for 11 months at £169.69 per month. Total repayment of £1866.59. Interest: £366.59 Interest rate: 46% pa (fixed). APR rates range from 22.3% APR to 112.5%. Credit broker not a lender. Warning: Late repayment can cause you serious money problems. For help visit Money Helper
Quick Intro
Our company, Quick Loans Ltd (company number 09619094), is based in Barnsley, South Yorkshire, and has been active in consumer credit for over 15 years. Throughout this time, we've observed numerous changes in industry regulations and evolving consumer needs. Despite these challenges, we continue to grow each year and maintain a positive outlook for the future.
Quick Loans – The Beginning, 2009-2015
Quick Loans was established in April 2009, marking the beginning of our journey in the UK consumer credit market. Originally operating under a Consumer Credit License from the Office of Fair Trading, we launched as a direct lender. However, we quickly recognized that we could offer our customers more value and higher acceptance rates by connecting them with a wider network of financial partners. Consequently, we made the strategic decision to transition into a credit brokerage, building strong relationships with the UK’s leading direct lenders.
Growth and Resilience
Over the years, we expanded our portfolio significantly, acquiring well-known finance brands such as 'Easy Loans,' 'Yes Loans,' and 'No Credit Check Loans.'
Like any long-standing digital business, we have navigated a rapidly changing landscape. The industry faced significant technical and regulatory shifts in 2012 that tested the resilience of many online brands. While this was a challenging period for the sector, our commitment to compliance and adaptability allowed us to persevere. We successfully navigated these hurdles and emerged stronger, proving our staying power in a competitive market. Today, we are proud to celebrate over 15 years of helping UK customers access the credit they need.
Just because everyone does something, doesn't make it right. Just because everyone believes something, doesn't make it true.
Graeme Wingate
Managing Director, Quick Loans Ltd
Embracing Regulation (2015 – 2023)
In 2015, the UK consumer finance landscape underwent a major transformation with the introduction of the Financial Conduct Authority (FCA). We viewed this as a positive step for the industry and a catalyst for our own evolution. To align with these new high standards, we modernized our corporate structure, incorporating Quick Loans Ltd in June 2015. This move consolidated all our brands under one robust entity, ensuring a unified and compliant approach to customer service.
Transition to Credit Broking
During this period, we worked closely with the regulator to transition our permissions. We made a strategic decision to shift our primary focus from direct lending to Credit Broking.
While many lenders struggled with the new regulatory requirements - leading to a volatile market - our pivot allowed us to offer greater stability. By operating as a broker, we removed the limitations of a single lending criteria. This ensured that while other companies were exiting the market, we were expanding our panel of lenders to give our customers the best possible chance of acceptance.
Full Authorisation
Our commitment to compliance was rewarded in early 2017 when the FCA granted Quick Loans Ltd full authorisation. We have operated successfully under this framework ever since, maintaining our status as a trusted, fully regulated credit broker.
16 Active Brands
Still Growing
Every year we are buying more active online UK loan brands
1000+ Applications Per Day
Busy Times
Across all of our loan brands, we now process over 1000 loan applications per day.
0 Complaints
15 Years Of Perfection
Neither GreyWing nor Quick Loans Ltd has ever had a complaint against us upheld by the OFT.
Free Market Approach
Our Philosophy: Responsibility & Choice
At Quick Loans, we are strong proponents of personal responsibility and consumer freedom. We believe that adults should have the liberty to make their own financial decisions, provided they have clear, transparent information.
Belief in Competition
While we fully adhere to all industry regulations, our core economic belief is that a competitive, open market - rather than intervention - is the most effective way to drive down costs for consumers. We believe that when lenders compete for your business, you get a better deal.
An Independent Voice
We pride ourselves on being an independent voice in the UK credit sector. Unlike some corporate entities that may shy away from difficult conversations, we are committed to advocating for common sense in the industry. We believe that regulations should protect consumers from bad actors without restricting their access to credit.
We acknowledge the important work the FCA has done to remove "rogue" firms from the market over the last decade. However, we also believe in maintaining a healthy balance. We intend to continue contributing constructively to industry debates, ensuring that the market remains open, fair, and accessible for the millions of UK residents who rely on it.
Championing Financial Independence
We remain committed to the principles of a free and open market. We believe the UK financial sector needs a return to common sense economics - where businesses succeed based on merit and service quality.
We challenge the narrative that consumers are unable to manage their own financial affairs. Instead, we advocate for financial empowerment. Our stance is to celebrate individualism, trusting our customers to make the right choices for their own lives without unnecessary interference.
Our Promises
We stand firm in our values. We will continue to provide a straightforward, honest service that treats our applicants as adults capable of making their own decisions, regardless of external industry trends.
We promise to work as hard as we can to represent the average consumer - the person who doesn't always have a voice.
Our Brands
Whilst most of you will have heard of our leading Quick Loans site, most will be unaware that our parent company also operates through several other key niche brands. These other brands include:
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EasyLoans.co.uk Personal unsecured loans spread over 3-36 months.
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YesLoans.co.uk A brand that we purchased and then improved, one of the most well-known out of all online brands.
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LoansForStudents.co.uk Helping students find short-term credit, loans are repayable over a longer period if required.
Looking Ahead: 2026 and Beyond
As we move further into the post-2024 economic landscape, we anticipate the lending sector will continue to evolve rapidly. Higher interest rates and changing inflation dynamics mean that the "old ways" of lending are changing. We believe the future belongs to lenders who are flexible, responsible, and diverse in what they offer.
Adapting to New Realities
While many providers may struggle to adapt to these tighter economic conditions, Quick Loans is positioned to thrive. We understand that in a changing economy, our customers need more than just short-term fixes—they need sustainable, long-term financial solutions.
Expanding Our Horizons
To meet this demand, our strategic focus is widening. While we remain committed to short-term unsecured solutions, we are actively expanding into Secured Lending.
By helping customers refinance mortgages or access secured homeowner loans, we can offer products with significantly lower interest rates and more manageable repayment terms than traditional payday loans. This evolution isn't just about business growth; it’s about offering our customers a safer, more affordable path to financial stability in a changing world.