How It Works

Sandy Instalment Loans work with short term lenders in the UK to help you find a loan. By partnering with multiple lenders and brokers, you only need to fill out one application form and we will search our panel of lenders – if approved you could receive the money on the same day, but this will depend on the lender.

The process is simple:


Decide how much you want

First, use the sliders to decide how much you want to borrow and how long you want to borrow for.


Fill out the one-page application form

Next, fill out our one-page application form. We will ask you for employment details, your income and expenditure, your personal details and your bank account information.

Once you have completed the application form, you’ll need to wait for up to two minutes for us to search our wide range of lenders and brokers. If you are accepted by one of the lenders or brokers we work with, we will send you to their website to complete your loan application.


Receive the money

If the lender approves your application, you could receive the money the same day.



  • You must have a regular income
  • You must hold and provide valid bank account information including your debit card details
  • You must be a resident of the UK
  • You must be at least 18 years of age
  • You must have an active mobile number and email address


Payday and short term loans should not be used as a long term credit solution.

Before you take out a payday or short term loan, you need to ask yourself whether borrowing money is the right thing for you. If you can cut down on your spending or put off buying something until you’ve saved for it, do that. If you are borrowing money to make repayments on other loans and debts, you may be in a vicious circle and it might not be the best thing to do.

If you think you need help with your debts, you can contact the Step Change Debt Charity service at who will provide free and impartial advice.