Best fast‑approval secured loans in 2025
Get the money you need in a flash - with serious flexibility and low‑stress approval.
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Fast-Track Secured Loans Explained
When you need cash a little faster than usual, secured loans can be helping hand. So let's look at some of the fastest‑approving secured loan options on the market this year. I've pulled these directly from lenders' own product pages - so you'll get the real deal, no guesswork. Let's dive in.
Arrow Loans - hear back within 24 hours
Arrow Loans offers secured loans from £10,000 up to £1.5 million, with flexible terms up to 30 years. They're a direct lending service with no brokers involved, aiming for fast decisions to help homeowners get funds quickly. They have a streamlined application and offer quick contact within 24 hours. Arrow Loans also transfer funds into your bank account using the industry's Faster Payments Service.
ABC Finance - in‑principle decision in an hour
ABC Finance offers secured loans from £10,000 with repayment terms up to 25 years and loan-to-value (LTV) up to 90% or more. You can get a loan-in-principle decision within one hour, which could help you understand your borrowing power and costs quickly. Full approval and funds can be released in as little as 3 days. A broker fee of 5.5% applies on completion.
Proper Finance - secured car loans and instant decisions
Proper Finance offers loans secured against your car, ranging from £10,000 to £1 million, with repayment terms between 3 to 30 years. The application process is quick, offering an "instant" decision and funds within a few days (once approved). There are no fees to apply and the process is streamlined, even for those with less-than-perfect credit.
Summing up
These are three clear routes to faster-than-usual funding. ABC Finance gives quick loan-in-principle decisions, Proper Finance has instant quotes and no upfront fees, while Arrow Loans offers responses within 24 hours. Each combines speed, flexibility, and clear terms to get you funded without the wait.
Frequently Asked Questions: Secured Loans
What makes these secured loans "fast approval"?
Generally, it comes down to digital speed. Most lenders offering fast-approval secured loans have online applications that only take a few minutes to complete. Once you hit submit, you'll often get an instant or same-day decision. As long as your documents are ready and there's no issue in the valuation or checks, you could have the money in your account within a few days.
Are fast-approval secured loans more expensive?
Not always, but it's something to watch out for. Some lenders might charge a slightly higher interest rate or arrangement fee in exchange for speed. Others keep their rates competitive, especially if you're offering strong collateral like your home or a high-value car. The key is to look at the total cost of the loan - APR, fees, and any early repayment charges - before you go ahead.
What slows down the secured loans process?
Even with a fast-track system, a few things can cause delays, especially missing or incorrect documents. If your ID, proof of income, or asset paperwork isn't all in order, that can stall things. Other slowdowns come from needing a property or car valuation, or if your credit history triggers further checks. If everything's in order, though, you'll likely move through the process quickly.
What do I need to apply and get approved faster?
To speed things up, have all your documents ready - proof of ID (e.g. passport or driving licence), recent utility bills or bank statements, proof of income (payslips or self-employment records), and ownership papers for your collateral - like a logbook for your car or title deeds for your home. The better your paperwork, the faster the lender can say yes.
Can I repay a secured loan early without penalties?
Some lenders allow early repayment with no penalties, while others charge a fee for settling up before the end of the term. It depends entirely on the lender and the loan agreement. If being able to pay off early is important to you, check the small print before you apply. Early repayment can save you money but only if you're not hit with extra charges.
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The details shown are for illustration only and may not include all lenders or products. Actual rates and terms depend on your circumstances and the lender’s assessment. Information was correct at publication but may change at any time.
