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How it Works | Metroloan

How it Works

Applying for a payday, short-term or instalment loan is a simple and quick process. Just tell us how much you need, how long you need to repay and fill in some personal details. If you are successful your matched lender will process your loan.

Metro Loan is a short-term loan broker. We operate only online. We have interim permission from the Financial Conduct Authority and we are registered with the Information Commissioner’s Office for data protection.

We work extremely hard to make sure we treat all our customers fairly. We do not encouraging people with bad credit or debt to keep taking out new loans. The application process is completely transparent – there are no hidden fees or charges.

Metro loan offers a convenient broker service. It is easy for you to apply for a loan – applications can be made from a PC, laptop, smart phone or tablet from anywhere in the world, as long as you are over 18 years of age, have a UK bank account and have an income going into your UK account you can apply.

Get Cash Now

£80

7 days

You pay back:     £352.80
Total loan cost: £72.80*


To make this service free for you we charge the lenders. They pay us commission for the work we do. Metro Loan is a broker NOT a lender. We use a unique, sophisticated algorithm to match customers to lenders. This matching process is based on application details, preferences, the lender but not the commission paid to us.

This service is FREE. We will never – nor will any partner – contact you by any means to request money or the purchase of products in advance of your loan funds being credited. To learn more about cold-callers see our fraud protection guidance.


Instant cash loans from £80 to £750

Get an instant decision online and payment direct into your account.

Click to Apply


Consumer Advisory: We are a loan matching service. Our sophisticated web-based application form submits the information you provide to lenders. Once a loan is approved, a lender may need more information from you which they will collect after you have been transferred from out site.

We are not a direct lender. Loan terms, conditions and policies vary. Late or missed loan payments are subject to increased interest rates and fees. Not every lender will offer up to £750 loans, and not all applicants will be approved for the amount they want. Repayment periods vary. Lenders may use collection services for non-payment of loans.

Some customers will not qualify for a loan at all. The operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service.

Representative 1223.6% APR

Representative Example: 1223.6% APR variable. £100 borrowed over 30 days would equal total borrowing of £124.00. Actual Interest is 24%.

Note: the APR you pay may differ depending on the lender that accepts you.

Metro Loan is a trading style of Atlantic Square Limited registered in England and Wales, company registration number SC182075. Atlantic Square is authorised and regulated by the Financial Conduct Authority, reference number 659330. Registered Office Address: Caledonia House, 89 Seward Street, Glasgow, G41 1HJ.

*Fund transfer times may vary based on the matched UK money lender, time of day applied and your bank.