Online only — there is no branch to visit

ALPACA REAL

Short-term personal loans you apply for, follow and repay from your phone. No forms to print, no counter to queue at.

Make an enquiry How it works
  • No paperwork
  • Eligibility check first
  • Repayment reminders

From first tap to money in the account

  1. Check what you qualify for

    Answer a short set of questions in the app and see an eligibility result before you commit to a full application. Checking does not oblige you to borrow.

  2. Apply from the phone

    Choose the amount and the term, confirm your identity and bank details in the app. Nothing has to be printed, signed in ink or posted.

  3. Decision, then transfer

    Approved applications are paid out to the bank account you registered. You are told the outcome in the app either way — no waiting for a letter.

  4. Repay on a schedule you can see

    Every due date sits on one screen, with reminders ahead of each one and the remaining balance kept current after each payment.

What the service actually does

A loan application that fits on a phone screen

The whole request is built for a handset: short fields, saved progress, and no step that asks you to switch to a desktop or scan a document.

Eligibility before paperwork

You find out whether borrowing is open to you early, rather than at the end of a long form. If the answer is no, you have not wasted an afternoon.

Paid straight to your bank account

Approved funds go to the account you verified in the app. There is no voucher, no card to collect and no third place to move the money through.

Repayment dates you choose between

Terms are set at the point of application, so you agree to the schedule before the money arrives — not afterwards.

Tracking and reminders in one place

Outstanding balance, next payment and history live on the same screen, with a notification before each date so nothing is missed by accident.

What people come to us for

Borrowing is short-term and personal. These are the requests we handle most often — amounts, terms and costs are set for each application individually.

Most asked for

First short-term loan

For someone borrowing with us for the first time, with identity and bank verification done inside the app.

  • Eligibility check before applying
  • Amount and term chosen by you
  • Transfer to your own bank account
  • Full schedule shown before you accept
Make an enquiry

Repeat borrowing

For returning customers whose details are already verified, so the application is shorter the second time round.

  • Saved identity and bank details
  • Previous loans visible in history
  • Shorter application flow
Make an enquiry

Repayment plan review

If circumstances change during a loan, you can raise it with us and talk through the options on your schedule.

  • Current balance and dates in writing
  • Options explained in plain language
  • Handled through the enquiry form
Make an enquiry

Borrowing is subject to eligibility and affordability checks. Terms and any charges are shown in full in the app before you accept.

Ask us about borrowing

Not sure whether this fits your situation? Leave your name and email and someone from the team will come back to you.

  • A person from the lending team replies — not an automated quote.
  • We answer the question first: whether and how borrowing would work for you.
  • No decision is made and nothing is opened until you say so.

We use your name and email only to reply to this enquiry. Privacy Policy