Does Flash Loans UK charge fees?

No. Our service is completely free for borrowers. We earn a commission from lenders when we successfully match you — this doesn't cost you anything extra.

Is Flash Loans UK FCA authorised?

Yes. Flash Loans UK is authorised and regulated by the Financial Conduct Authority. Our FCA registration details are shown in the footer of our website.

How many lenders will you check?

We search our full panel of FCA-authorised direct lenders to find the best match for your circumstances. The number varies but includes specialist lenders for bad credit, self-employed, and benefits recipients.

What Is a Credit Broker UK? How Loan Brokers Work

If you've searched for loans online, you've probably come across credit brokers. But what exactly do they do, and should you use one? Here's everything you need to know about credit brokers in the UK.

Credit broker vs lender

A credit broker (also called a loan broker or introducer) doesn't lend you money directly. Instead, they act as a middleman between you and a panel of lenders. When you submit an application to a broker, they search their panel to find lenders whose criteria match your circumstances. A lender is the company that actually provides the loan and to whom you make repayments. Flash Loans UK is a credit broker — we match you with FCA-authorised direct lenders.

Why use a credit broker?

Applying to lenders one by one triggers a hard credit search each time, which can damage your score. A broker uses a soft search to check eligibility across multiple lenders with a single application. This saves time, protects your credit score, and increases your chances of finding a suitable loan. Brokers also know which lenders accept different types of borrowers — bad credit, self-employed, benefits recipients, etc.

Are credit brokers free?

Reputable credit brokers like Flash Loans UK are completely free for borrowers. The broker earns a commission from the lender when a successful introduction is made. This commission is already factored into the loan terms and doesn't increase the cost to you. By law, a broker must clearly disclose that they are a broker (not a lender) and that they earn commission.

How to spot a trustworthy broker

Always check that a broker is authorised by the FCA — you can verify this on the FCA Register at register.fca.org.uk. A legitimate broker will: clearly state they are a broker, not a lender; never charge upfront fees before finding you a loan; be transparent about how they earn money; have clear privacy and complaints policies; and use a secure (HTTPS) website.

Warning signs of a bad broker

Be wary of any broker that: charges upfront fees before you receive a loan; guarantees approval regardless of circumstances; cold-calls or texts you about loans you didn't apply for; isn't on the FCA Register; or pressures you to accept a loan quickly. If in doubt, check the FCA Warning List for known scams.

What Is a Credit Broker and How Do They Work?

Credit broker vs lender

Why use a credit broker?

Are credit brokers free?

How to spot a trustworthy broker

Warning signs of a bad broker

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Frequently Asked Questions

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