Lender Profile: Loans 2 Go

Cara Bradley

Written by

Cara Bradley

4 min read

Updated: 02/11/2026


We’re pleased to share some information on Loans 2 Go, one of the trusted lenders on our panel.


the Loans 2 Go website homepage

Direct lender or credit broker? Loans 2 Go is a direct lender.


Financial Conduct Authority (FCA) registration: Loans 2 Go is a trading name of Loans 2 Go Limited, which is authorised and regulated by the FCA. You can find their company information on the FCA register.

For your peace of mind, Viva Money only works with lenders authorised and regulated by the FCA.


Types of products offered: Short-term personal loans.


Available amounts: Loans 2 Go offers loans from £500 to £1,500.

Good to know: With Viva Money, you can search for a loan between £100 and £10,000.


Available repayment terms: 18 months.


Loans 2 Go advertised representative Annual Percentage Rate (APR): 450.5%


Loans 2 Go Representative Example: “If you borrow £999 over 18 months at a flat rate of 132% per annum (fixed) with a representative 450.5% APR you will make 18 monthly payments of £165.39, repaying £2,977.02 in total. This means you would pay £1,978.02 in interest in addition to the amount borrowed. The rate and term you are offered is dependent on your individual circumstances.”


Loans 2 Go eligibility criteria:

You could be considered for a loan with Loans 2 Go if you:

  • Are over the age of 21
  • Are a UK resident
  • Have a UK bank account and debit card
  • Have a regular source of income

If you're 18 or over, you can search for a loan with Viva Money. Just so you know, Loans 2 Go can only consider your application if you're 21 or over.


Loans 2 Go payout timescale: Same-day payout, subject to Loans 2 Go working hours. The time it takes for the money to become available in your account will depend on your bank’s policies and procedures.


Late repayment fees: Loans 2 Go does not charge late repayment fees. Please be aware that missed and late repayments will be reported to the credit reference agencies (CRAs), and this could have a negative impact on your credit score.

Loans 2 Go states the following on their website:

“If you are experiencing financial difficulty, please contact us as soon as possible. We may be able to discuss support or alternative arrangements based on your circumstances.”


Early repayment fees: You can repay your Loans 2 Go loan early with no additional fees.


Loans 2 Go Trustpilot reviews: As of October 2026, Loans 2 Go is rated ‘Excellent’ on Trustpilot.


Loans 2 Go contact details:


Are you worried about money?

Free, confidential debt and money advice is available from the following charities and organisations:

Searching for a loan with Viva Money: how does it work?

Loans 2 Go is just one of the50+ direct lenders on our panel. With Viva Money, you could search for a loan between £100 and £10,000. Spread the cost of your loan across a repayment term from 3 to 60 months, depending on the amount of money you apply for and are approved to borrow.
All credit scores welcome.


  1. Fill out our five-minute online form.

  2. In just 60 seconds, we’ll run a soft search and scan our panel of lenders for a suitable loan with no impact on your credit score.*

  3. If you’re matched with a loan, you’ll be redirected to the lender’s website where you can find out more and decide whether you’d like to make a full application.

  4. Happy with the loan? At this point, the lender will complete a creditworthiness assessment.

  5. If you pass the lender’s checks, they’ll let you know when your money will be sent.

* Viva Money uses soft search technology, which will not impact your credit score. If you’re matched with a lender and choose to make a full application, they will carry out a creditworthiness assessment, which will include a hard search or an Open Banking check. Please be aware that a hard search will remain on your credit file for up to 12 months, and multiple hard searches in a short period of time could cause your credit score to decline.