What is Get Loan Now?

Get Loan Now (getloannow.co.uk) is a free UK credit broker authorised and regulated by the Financial Conduct Authority (FCA). It connects UK borrowers with a panel of FCA-regulated lenders offering loans from £100 to £10,000. Get Loan Now is a broker, not a lender.

Is Get Loan Now free to use?

Yes, Get Loan Now is completely free for borrowers. There are no fees or commissions charged to customers. The service is paid for by lenders in the panel when a borrower is successfully introduced to them.

How much can I borrow through Get Loan Now?

You can request loans between £100 and £10,000. The exact amount depends on your personal circumstances and which lenders in the panel are willing to offer you a loan.

Can I get a loan with bad credit through Get Loan Now?

Yes. Get Loan Now works with specialist lenders who consider all credit scores including bad credit. Each application is assessed individually on its own merits.

What are the eligibility requirements?

To apply you must: be over 18 years old, be a UK resident, have a valid UK bank account, and have a regular source of income.

How quickly can I receive funds?

Once approved and after you agree to the lender's terms, funds could arrive in your bank account the same day or the next business day, depending on your bank's processing time.

What APR rates do lenders charge?

Representative 79.5% APR variable. Rates from 11.8% APR to a maximum of 1721% APR. Your personal APR will be based on your individual circumstances and is disclosed before you sign any agreement.

Is Get Loan Now FCA regulated?

Yes. Get Loan Now is authorised and regulated by the Financial Conduct Authority. We are a credit broker and not a lender. Always check the FCA register to verify any financial firm before applying.

What is a representative example for a loan?

Representative example: Amount of credit £1,000 for 12 months at £116.52 per month. Total amount repayable is £1,392.63. Interest charged is £392.63, interest rate 79.5% pa (variable). Representative 79.5% APR variable.

Get Loan Now vs Peachy Loans: Which UK Loan Service Is Better in 2026?

If you need a quick loan in the UK and are comparing your
options, two names you may come across are Get Loan Now
and Peachy Loans. Both are FCA-regulated services — but
there are some very important differences worth
understanding before you apply.

Here is a straightforward comparison to help you decide
which is the better fit for your situation.

What Are They?

Get Loan Now (getloannow.co.uk) is a free UK credit broker
authorised and regulated by the Financial Conduct Authority.
It connects UK borrowers with a panel of FCA-regulated
lenders for short-term loans and personal loans from £100
to £10,000. Representative 79.5% APR variable. Rates from
11.8% to 1,721% APR. Get Loan Now is a broker, not a lender.

Peachy Loans (peachy.co.uk) is a direct lender authorised
and regulated by the FCA, operating since 2011 as a trading
name of Cash On Go Ltd. It offers short-term loans from
£100 to £1,000 with repayment terms from 1 to 12 months.
Representative APR 1,300.5% variable.

Side-by-Side Comparison

Loan amounts:
– Get Loan Now: £100 – £10,000
– Peachy Loans: £100 – £1,000

Representative APR:
– Get Loan Now: 79.5% APR variable
– Peachy Loans: 1,300.5% APR variable

Loan terms:
– Get Loan Now: 1 month – 36 months
– Peachy Loans: 1 month – 12 months

Free to apply:
– Get Loan Now: Yes
– Peachy Loans: Yes

FCA regulated:
– Get Loan Now: Yes — credit broker
– Peachy Loans: Yes — direct lender

Credit score required:
– Get Loan Now: None — all scores considered
– Peachy Loans: Strict — only 7% of applications approved

Affects credit score to check rates:
– Get Loan Now: No — soft search only
– Peachy Loans: Soft search on application

Funds timeline:
– Get Loan Now: Same day or next business day
– Peachy Loans: Within 15 minutes of approval

Where Get Loan Now Has the Edge

Dramatically lower representative APR. Get Loan Now’s
representative APR is 79.5% variable. Peachy’s
representative APR is 1,300.5% variable — over
16 times higher. For a borrower taking £500 over
6 months, the difference in total interest paid
could be substantial.

Much higher loan amounts. Get Loan Now connects
borrowers with lenders offering up to £10,000 —
ten times Peachy’s £1,000 maximum. For home
repairs, a car, or consolidating debt, Get Loan
Now is the only realistic option of the two.

Higher approval rates. Peachy publicly states only
7% of applications are approved — one of the
lowest rates in the UK market. As a broker, Get
Loan Now submits your application to multiple
lenders simultaneously, dramatically increasing
your chances of being matched with an offer.

Longer loan terms. Get Loan Now offers terms up
to 36 months compared to Peachy’s 12-month cap.
This gives borrowers more manageable monthly
repayments.

More lender options. As a broker, Get Loan Now
gives you access to a wide panel of lenders in
a single application. Peachy is one direct lender
— if they decline you, the process starts again.

## Where Peachy Loans Has the Edge

Very fast funding. Peachy claims to transfer funds
within 15 minutes of approval — one of the fastest
in the UK market.

Direct lender privacy. Your data is shared with
Peachy only — not with a panel of lenders. Some
borrowers prefer this.

Long track record. Peachy has been operating since
2011 with consistent FCA authorisation throughout.

Which Should You Choose?

Get Loan Now is a good fit if:
– You want a much lower representative APR
– You need more than £1,000
– You want the best chance of approval across
multiple lenders
– You need a repayment term longer than 12 months
– You want same day funding with a wide lender panel

Peachy Loans is a good fit if:
– You only need up to £1,000
– You need funds within 15 minutes of approval
– You have a strong credit profile and are
comfortable with a 7% approval rate

The Bottom Line

For the vast majority of UK borrowers comparing Get
Loan Now and Peachy Loans, Get Loan Now is the
stronger, more affordable, and more accessible
option. The representative APR difference alone
— 79.5% versus 1,300.5% — makes Get Loan Now
significantly cheaper for most borrowers. Add
in its higher loan ceiling, longer terms, and
access to multiple lenders and it is the clear
choice for anyone needing more than a very
small short-term loan.

Both services are FCA regulated and free to apply.

Ready to check your rate with Get Loan Now? It
takes 2 minutes and there is no obligation to proceed.

Warning: Late repayment can cause you serious money
problems. For help, go to MoneyHelper.org.uk.