Fast Personal Loans from Cockle Finance

Need access to funds quickly, without the run-around? At Cockle Finance we provide fast personal loans directly to many customers. Where we cannot lend ourselves, we act as a credit broker to find the right alternative for you.

What We Offer

Direct Lender Loans

When you qualify, we lend money directly. This means quicker decisions and faster payouts without the need for a middleman.

  • Transparent fees and clear repayment schedules
  • Designed to help with urgent needs such as unexpected bills, repairs or emergencies

Brokered Loans

If we are not able to provide the loan ourselves, we can introduce you to carefully selected partner lenders. We do this only with your consent and we’ll provide the information you need to compare offers and make an informed decision.

Flexible Credit Consideration

We understand credit histories are not always perfect. For many of our loans we can consider applicants with limited or challenged credit histories and offer options with minimal or alternative credit checks. For brokered loans, standard credit or affordability checks may still apply; we will explain this clearly before you proceed.

Why Choose a Fast Personal Loan from Cockle Finance?

Speed and Simplicity

One short application gives you multiple options. Our aim is to get you the funds you need quickly, with minimal hassle.

Clarity and Transparency

All costs are set out up front—what you will repay, when, and at what rate. No hidden surprises.

Support and Respect

We know financial pressure can be stressful. Our team is here to provide straightforward support and help you choose what’s right for your situation.

The Important Stuff

Representative Example

As an illustration: borrowing £200 over 28 weeks at £12 per week, with a fixed interest rate of 68%, gives a total amount payable of around £336. Total cost of credit £136. This is an example only; actual rates and terms will vary depending on your circumstances.

Who It’s For

Fast personal loans can be a solution when you need funds quickly for an unexpected expense. If your need is not urgent, other borrowing options may be more cost-effective.

Your Rights and Obligations

Please read all loan terms carefully. Missing repayments can cause financial and credit difficulties. If you are worried about keeping up with payments, contact us as soon as possible so we can discuss options.

If we cannot offer you a loan as a Direct Lender, we can act as a Credit Broker to try and find you a lender who can offer you a loan. The lender would conduct their own credit worthiness checks; this could include a Credit Reference check

Apply for a Fast Personal Loan

  1. Complete our short online application.
  2. We will assess whether we can lend to you directly. If so, we’ll make you an offer.
  3. If we cannot lend directly, we will (with your permission) present offers from trusted  partner lenders.
  4. Once accepted, funds are usually paid quickly—often the same or next day.
mark chalklin
mark chalklin
2024-02-01
Excellent service and fast payout all in all an excellent company
Vicky Clayden
Vicky Clayden
2024-01-04
Great communication, always fair great family run business never had a problem with them easy and simple with getting a loan out very polite on the phone always there to help out
Emillie Barnes
Emillie Barnes
2023-12-06
Friendly helpful team, quick to process too.
Samantha Mcwalter
Samantha Mcwalter
2023-12-01
Very polite And very helpful all the time very understanding I recommend these to anyone there really good
Steven Ridgewell
Steven Ridgewell
2023-12-01
Really good customer service fast and very friendly
Jo Jordan
Jo Jordan
2023-12-01
I have been with this company for a few years they are very well organised staff are very polite they are very understanding and they deal with loan applications very quick the process is very quick and easy top stars to u cockle
brandon jefferson
brandon jefferson
2023-11-30
Great family run business I have been dealing with them years.
Teleah Cyrus
Teleah Cyrus
2023-11-30
I'm very pleased about the service given to me very understanding