Instant decision loans from £100 to £5,000
Get a no-obligation quote, apply online in minutes, and if approved, you could receive cash the same day.
How much would you like to borrow?
Representative 79.5% APR.Rates from 48.1% APR to 1721% APR. Min Loan Term: 3 months. Max Loan Term: 36 months. Representative Example: £1,000 borrowed for 18 months. Monthly Repayment of £89.22. Total repayable £1,605.96.
Finding You The Right Loan
We search our panel of trusted lenders to match you with the best option.
Instant lender decisioning
Complete our quick 2 minute form to start a soft search across our panel of lenders. We match you to a lender that is likely to approve your loan.
Find the right lender quickly
Searching for the right loan can be time consuming and potentially harmful to your credit profile. We search dozens of lenders in seconds.
Soft search loan matching
We perform a soft-search credit check which will only be visible to you and won't affect your public facing credit file.
Why Choose Lumo?
We're changing how people find loans in the UK.
Quick & Easy Application
Complete our simple 2-minute form to start your loan search
Trusted Panel of Lenders
We work with trusted lenders across the UK
Soft Search Only
Check eligibility without affecting your credit score
Flexible Loan Options
£100 to £5,000 with terms from 3 to 36 months
Transparent & Secure
No hidden fees, your data is safe and secure
Fast Access to Funds
If approved, receive funds the same day
How It Works
Getting matched with the right lender is simple and straightforward.
Complete our quick form
Tell us how much you need to borrow in just 2 minutes.
We search our panel
Soft search across trusted lenders to find your match.
Get matched instantly
Connect with a lender ready to approve your loan.
Responsible Lending
Our panel of lenders are committed to responsible lending practices. They only lend what borrowers can comfortably afford to repay.
Learn More About Responsible Lending