• Consumer Credit Trade Association
  • Rates from 45.3% APR to 1575% APR
    We provide a no obligation quote, your APR will be based on your personal circumstances.
    Minimum loan term 90 days to max loan term 18 months
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How does Chirpy Loans work?

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    Online Application
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    Decision In Minutes
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    No Obligation Quote
  • money
    Same Day Cash*
*Loan amounts are subject to lender approval. Money transfers could take 2-3 days if your bank does not accept faster payments. We are not a lender - we are a licensed credit broker, providing you with a FREE loan matching service that compares more than 40 lenders quickly, finding you a lender that is willing to lend to you today. To operate this service we receive a commission from the lender we refer you to. Warning: Late repayments can cause you serious money problems. For help and advice with money problems, please go to moneyadviceservice.org.uk

Why use Chirpy Loans?

Our entire lender network is now available for you to utilise and is at your fingertips.
  • Bad or No Credit History - No Problem!
  • 100% No Obligation Quote
  • We won’t charge you a Fee
  • Decision in minutes - Same day money transfer
  • Safe SSL Secure Online Process
  • Access over 40 lenders with one application
  • Over 18’s only
  • Loans subject to status
  • Not suitable for long term borrowing needs

Company Policy

Collection Process

If you have a concern about making a repayment, please contact the loan lender directly. If you fail to notify the lender about ongoing repayment problems, the lender may exercise their right to instruct third party collection agency. The outstanding arrears will be recovered (plus interest accrued).

Non-Payment Information

Fees may be added to your loan if you fail to repay on time. This policy will be entirely at the discretion of your lender. All details of potential fees that you might be liable for will be specified within your loan agreement and will include why charges may be appropriate.

Late payments might also cause an adverse impact on credit score. To avoid additional fees and create additional loan liability, we suggest that you carefully consider that you can meet the monthly repayments within the loan period. If you believe you might experience difficulty in making repayments, please contact your lender immediately.

Late Payment Fees

A late payment fee usually between £1 and £100 but is strictly dependent upon your lender. To avoid the extension of a short-term loan and to ensure that your loan repaid, please read and understand all the terms and policy regarding your agreement with the lender.

Renewal Policy

We do not condone renewals of short-term loan. However, if you wish to renew or propose an amend to an agreement, you must contact the lender as soon as possible. In some circumstances, if you are late in making repayments or miss a repayment, your loan may roll over automatically and would accrue additional interest and charges. Any amount that you have borrowed you will be liable to re-pay so, please make sure that you only take out a loan if you can afford to pay it back in full.