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 Sunny Loans: Which UK Loan Broker Is Better in 2026?

If you need a short-term loan in the UK and are comparing your
options online, two names you will likely come across are Get
Loan Now and Sunny Loans. Both are free FCA-regulated credit
brokers that connect UK borrowers with a panel of lenders —
but there are some notable 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 loans from £100 to £10,000. Representative 79.5% APR
variable. Rates from 11.8% to 1,721% APR depending on
circumstances.

Sunny Loans (sunny.co.uk) is a free UK credit broker also
authorised and regulated by the FCA. It connects borrowers
with lenders for loans from £100 to £2,500. Representative
89% APR variable. Rates from 9.3% to 1,721% APR depending
on circumstances.

Side-by-Side Comparison

Loan amounts:
– Get Loan Now: £100 – £10,000
– Sunny Loans: £100 – £2,500

Representative APR:
– Get Loan Now: 79.5% APR variable
– Sunny Loans: 89% APR variable

Loan terms:
– Get Loan Now: 1 month – 36 months
– Sunny Loans: 3 months – 36 months

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

FCA regulated:
– Get Loan Now: Yes
– Sunny Loans: Yes

Credit score required:
– Get Loan Now: None — all scores considered
– Sunny Loans: None — all scores considered

Affects credit score to check rates:
– Get Loan Now: No
– Sunny Loans: No — soft search only

Funds timeline:
– Get Loan Now: Same day or next business day
– Sunny Loans: As fast as 15 minutes after approval

Available to:
– Get Loan Now: UK residents 18+
– Sunny Loans: UK residents 18+

Where Get Loan Now Has the Edge

Higher loan amounts. Get Loan Now connects borrowers with
lenders offering up to £10,000 — four times the maximum
available through Sunny Loans which caps at £2,500. For
borrowers needing a larger loan for home repairs, a car,
or debt consolidation, Get Loan Now offers significantly
more flexibility.

Lower representative APR. Get Loan Now’s representative
APR is 79.5% variable, compared to Sunny’s representative
89% APR. While individual rates vary by lender and personal
circumstances, Get Loan Now’s lower representative rate
suggests more competitive pricing across its lender panel.

Wider loan term options. Get Loan Now offers loan terms
starting from 1 month, giving borrowers more flexibility
for very short-term needs. Sunny’s minimum term is 3 months.

Larger lender panel. Get Loan Now works with a wide panel
of specialist UK lenders, giving borrowers more chances of
being matched with a suitable offer across a broader range
of circumstances.

Where Sunny Loans Has the Edge

Faster funding. Sunny claims funds can arrive within 15
minutes of approval, which is faster than Get Loan Now’s
same day or next business day timeline. For genuine
emergencies this speed difference could matter.

Strong Trustpilot reputation. Sunny has over 7,000
Trustpilot reviews with an Excellent rating, giving
new borrowers additional confidence in the service.

Dedicated soft search technology. Sunny specifically
highlights its soft search matching technology, which
checks eligibility across multiple lenders simultaneously
without impacting your credit score.

Which Should You Choose?

Get Loan Now is a good fit if:
– You need more than £2,500
– You want a lower representative APR
– You need a very short loan term of 1 to 2 months
– You want access to a wide panel of specialist lenders

Sunny Loans is a good fit if:
– You need funds within minutes
– You only need up to £2,500
– You value a large number of customer reviews for reassurance

The Bottom Line

For UK borrowers who need more than £2,500 or want a lower
representative APR, Get Loan Now is the stronger option.
Its higher loan ceiling of £10,000 and representative 79.5%
APR give it a clear advantage over Sunny for most borrowers
with moderate to larger borrowing needs.

For very small, very fast loans where speed is the priority,
Sunny’s 15-minute funding claim may appeal — but the lower
loan maximum limits its usefulness for anything beyond a
small emergency.

Both services are FCA regulated, free to use, and run soft
searches that do not affect your credit score.

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.