Our Loan Services

Small Loans Ltd is a friendly, family-run lender offering personal loans across the North West of England. We specialise in helping people who may have been turned away elsewhere – whether you have bad credit, CCJs, or simply need a trusted local lender. We don’t run credit checks – instead we use secure Open Banking to check affordability, so bad credit is no problem.

Personal Loans

We offer personal loans of £100 to £1,000+ to help you manage unexpected expenses, consolidate debts, or cover the cost of something important. Our personal loans are available to borrowers across the North West, and we consider every application individually – even if you have a poor credit history.

  • Borrow £100 to £1,000+
  • Bad credit and CCJs accepted
  • Flexible repayment terms tailored to your budget
  • Fast, friendly decisions from a real person
  • FCA authorised and regulated

Short-Term Loans

Everything is handled quickly and securely online. Once you are approved, your funds are paid straight into your bank account. This simple, modern service is trusted by customers across Lancashire, Greater Manchester, Merseyside, Cumbria and West Yorkshire for years.

  • Apply online in minutes, any time
  • Fast decisions, no branch visit needed
  • Funds paid straight to your bank account
  • Friendly, local lender you can trust
  • Repayments collected automatically by card

Bad Credit Loans

We understand that life doesn’t always go to plan. If you’ve had trouble with credit in the past – whether through missed payments, defaults, or CCJs – we can still help. We look at your current circumstances, not just your credit score, so you have a real chance of being approved.

  • CCJs, defaults and arrears considered
  • Every application reviewed by a real person
  • No hidden fees or charges
  • Clear, transparent lending terms

Areas We Cover

We provide loans to customers living in the following postcode areas across the North West and beyond:

  • Lancashire: Blackpool, Fleetwood, Lytham St Annes (FY) · Preston, Leyland, Chorley (PR) · Blackburn, Burnley, Accrington, Nelson (BB) · Lancaster, Morecambe (LA)
  • Cumbria: Carlisle, Penrith, Workington (CA)
  • Greater Manchester: Manchester (M) · Oldham, Rochdale (OL) · Bolton, Bury (BL) · Stockport (SK) · Wigan (WN)
  • Merseyside: Liverpool (L)
  • West Yorkshire: Leeds (LS)

How to Apply

Applying for a loan with Small Loans Ltd is quick and simple. You can apply online, call us on 07777 110041, or email john@smallloanslimited.co.uk. We aim to give you a decision as quickly as possible, and if approved, we can often arrange your loan the same day.

Small Loans Ltd
First Floor, Swan Buildings, 20 Swan Street, Manchester M4 5JW
Phone: 07777 110041 · Email: john@smallloanslimited.co.uk
Monday–Friday, 9am–5pm
FCA Authorised · Company Reg: 6621585