Simple, Same Day Personal Loans

Talk Loans works with a host of lenders to find you the right loan. Loan amounts start at £100. See what options are available for you whatever your credit history.

446.9% APR Representative

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Looking for a Guarantor Loan?

All guarantor lenders are different. We will arrange your new loan quickly, simply and efficiently. Borrow from £1,000 to £15,000 today.

49.7% APR Representative

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No Fees or Charges

Unlike most brokers we won’t charge any fees, ever. Why not check out the options we have for you today? With loan amounts from £100.

446.9% APR Representative

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Talk Loans is fully regulated by the Financial Conduct Authority. When you apply for a loan with Talk Loans, whether it’s for a guarantor loan or other type of loan, you can rest easy that we keep your details safe. We do not sell your information to scam companies, do not charge you a fee, and will always put the customer first.

Excellent Service

From initial call to passing me over to a suitable lender to payout all within 24 hours. Amazing service.


Guarantor Loan Customer

Great communication

I recommend Talk Loans. Always someone to talk to you the end of the phone and great communication.


Guarantor Loan Customer

Talk Loans is rated 9.5 out of 10 by TrustPilot based on 50 unfiltered customer reviews.

Welcome to Talk Loans

The people behind Talk Loans have worked in the loans industry, including unsecured and secured brokering and short term and guarantor lending, for over 25 years. We worked across the market, as lenders and brokers. Through this we came to the conclusion that that both loan customers, and the lenders themselves, weren’t getting the best service available.

That’s when we came up with Talk Loans.

We have multiple different options for our customers, including an online application process that matches customers with the lenders most likely to help (all completely free!). Or, if you’d prefer to speak to a real person, our UK based call centre is here to help during working hours.

We work tirelessly to find the lender that offers the best deal for you and, to reiterate, you don’t ever pay us a penny.

Talk Loans Guy

What does Talk Loans offer?

We are a broker. But unlike any other you’ve dealt with before. Being a broker simply means  we can look at a wide range of loan products at once. Where we differ is how we get your application to our lenders and how they contact you. Gone are the days of paying fees or being chased by 100s of companies you’ve never heard of, our service offers something unique. By going above and beyond what any single lender would be able to do for you allows us to help many types of customers. Whether you are looking for anything from a traditional personal loan to Bad Credit Loans or even Guarantor Loans.

By talking to you on the phone, we can work out what you need and see which lenders are likely to help. We won’t send your personal details all over the place and will work closely with you to complete your loan and get the money into your account.

Is Applying with Talk Loans Simple?

We try our best to keep things as simple as possible. If you apply online, once you submit your details we will quickly return the lenders that are able to help and from there you simply make your choice and finalise your application.

When you apply for a guarantor loan with us we do things a bit different. One simple guarantor loan application with us comes straight through to our loan experts who will give you (and your guarantor) a call to identify the best lender for you before helping you get your loan paid out. This means we can help even if you have been turned down elsewhere.

Remember, we will never charge you any fees and if you don’t get your loan, we don’t get paid. None of our lenders charge you any more for using our service instead of going direct. This means you can access the best loans for you with the easiest process.

Credit Scores: Everything You Need to Know

What is a Credit Score and How Will it Affect You Borrowing Money? A credit score is a number that represents your likelihood to pay credit back. Most credit scores go from 0-999, with 0 being least likely to pay credit back, and 999 being most likely. The higher the...

Savvy Summer Saving Tips 2017

Summer Saving Tips to Soften the Blow to Your Pockets Thinking about a summer getaway? Unfortunately, summer can be an expensive time of year. Whether you’re looking to take the kids on holiday, want a summer break for you and your other half, or just want to be out...

Getting Your First Car On Finance

Buying a car is a big, one-off expense. For those of us who are not lucky enough to have that kind of money lying around we initially have one choice to make first off – do we save up for it or use credit to buy it now? If you can wait, then saving up for it is by far...

Different Types of Broker Fees

Here at Talk Loans we are proud to say that we have NEVER charged and upfront fee for our services and NEVER WILL. We believe that brokers should only be paid if they work they do is successful – in other words, if they manage to get a loan for their client....

Membership Fees – The Hidden Charge

It is a sad but inescapable truth that over the last 5 years many more Brokers have switched to charging an upfront fee for their service – rather than relying on the traditional back-end commission payment from the lender. Customers presented with this option should...


Opening Hours

Mon - Thurs: 9:00 to 19:30
Fri: 9:00 to 17:30
Sat: 9:00 to 12:00
Sun: Closed


Phone Number

01603 391104

Please call us during our opening hours for the best service.


Talk Loans
61 – 63 Riverside Road


We aim to reply to all emails within 24 hours.


Guarantor Loans Representative Example: Borrow £4,000 over 36 months. Monthly repayment of £194.78. Total repayable is £7012.08. Interest payable is £3012.08. Fixed APR of 47.9%. Interest rate of 41%.

Personal Loans Representative Example: Borrow £300 over 6 months. Monthly repayment of £79.72. Total repayable is £478.32. Interest payable is £178.32. Fixed APR of 446.9%. Interest rate of 118.9%.

Talk Loans is a Broker, not a Lender. To operate this service we receive commissions from the lender we refer you to.

Talk Loans is a trading style of Butler Westbury Limited Registered in England No 9035270. Authorised and regulated by the Financial Conduct Authority Reference No. 625156. Registered with the Information Commissioner’s Office ZA090336. Registered office address: 3 Cricket Close, Drayton, Norwich, Norfolk, NR8 6YA

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