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See what Wonga customers say about us

Is a Wonga loan right for you?

Our loans shouldn’t be used as a long term financial solution

Late repayment will mean extra costs and may affect your credit rating

You shouldn't use our loans to manage existing debt

You should only take out a loan if you are comfortable you can repay on time

Small Loans

Sometimes we can find ourselves in a situation where we need to borrow money, but that doesn’t necessarily mean taking out a large loan for thousands of pounds. It’s not uncommon to need a little extra cash to tide us over, especially if a surprise bill or an emergency repair crops up. Small loans are typically anything from £100 loans to £1000 loans.

Why might you need a small loan?

When an unforeseen expense catches you off guard it’s easy to feel stressed and in a financial bind. The important thing is not to panic and to consider all your options carefully. A small loan from a creditor or lender may suit your financial needs. Unauthorised overdrafts or credit cards are alternatives, but you need to look at the costs involved carefully versus a small loan. A Wonga loan could help if you have an unexpected expense. You can use our sliders or loan calculator to work out the total cost of the loan upfront, before you apply.

What to consider when applying for a small loan

The most important thing to consider is your ability to make repayments and meet the agreed loan terms and conditions. Even though you’re borrowing a small amount you still need to borrow responsibly and consider how and when you can pay back the total cost of your loan. It’s important that you’re fully aware what these costs are before you apply for your cash advance. If you don’t you could end up paying a significant amount more than you intended to.

Applying for a small loan

No matter what amount you borrow, big or small, it’s important to understand how much you need and the total cost of the loan. It’s also important to find out when repayments need to be made. Make sure you have enough money in your bank account to pay the loan back when it’s due.

How do I apply for a Wonga loan?

At Wonga, we offer small, short term cash advances to help if you have an unexpected expense. Use the sliders at the top of this page to select how much and for how long, then apply using our straight forward online application process.

Please make sure you meet the minimum requirements for applying for a loan at Wonga:

  • Be over 18
  • Be a bank account and debit card holder
  • Be a mobile phone owner
  • Live in the UK

Answering yes to these questions means you can apply for a Wonga loan But we can't guarantee acceptance We always assess each application individually and only lend to people we think can afford to repay on time

Further help on small loans

If you’re trying to manage existing debt or if you’re in financial difficulty, consider what your options are. For further advice on managing your money visit the Money Advice Service.