Payday Loans Now! - We Provide Affordable Loans to the UK
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Payday Loans UK

Apply For Up to £5,000!*

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Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk


What are Payday Loans?

If you are short on funds, you may be considering a payday loan. These are a type of loan given to people who need a small amount of funds to borrow, and is typically repaid in a short amount of time. You can often get a loan, even if your credit is what you consider "bad", as long as you have a job or are receiving income. They are also called "short term loans" or "payday advances". We do not charge you for merely applying for a bad credit loan.

As long as you are employed or receiving income, we can give you a quick decision on whether you qualify for a loan. Click the "apply" button above and select an amount you would like to borrow. Your application will be reviewed by lenders who are authorized to provide a loan to people living in the UK.

What are UK Payday Loans?

If you need quick funds and are living in the UK, you will need a lender specializing in lending to the UK. By submitting your application with us, your loan will be processed in a fashion consistent with UK laws. Our lending rates coincide with the strong consumer-oriented UK laws regarding lending.

What Can I Use The Funds For?

Here we offer a word of caution to those wishing to get short term loans online. Payday loans are best suited for emergency and unexpected expenses. They are best at resolving things which are critical, such as repairing a vehicle you use to go to work and other types of bills which will only cause larger problems the longer they remain unpaid. A payday loan is a short term remedy, do not consider using them if you believe you will be unable to repay on time as they can be quite costly.

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  • No Credit Check Payday Loans Direct Lender

    By law, all lending companies must perform a credit check before lending. This goes for all lenders operating in the UK. While this may seem unfortunate for those seeking to borrow but having a poor credit history, there are some companies (such as Monevo) which can help people who have low credit scores. Your best bet for a "no credit check lender" is to find a lender that caters for bad credit as all lenders have to credit search their applicants. Read More.

  • New Loan Lenders

    Are you looking to borrow money, or new lender of short term loans? There are many expensive lenders on the market, whose average APR interest rates are far above 1000%, leading many UK residents to search for different companies who have lower interest rates. The key is to compare rates. Monevo can introduce you to lenders or service providers, and it is entirely free to apply. Read More.

  • High Acceptance Lenders

    Getting a loan obviously isn’t guaranteed, I’m sure you can imagine a number of scenarios in which someone applying for one would be denied, whether being currently unemployed or having a current debt to borrowed amount ratio that suggests they would be unable to pay their bills. Although when you apply for a loan you are not guaranteed to get one, there are some high acceptance lenders, these lenders being ones that have a higher rate of accepting and reviewing applications. Our service that introduces customer applications into Monevo, had in June had a 99.9% accept rate, the lender that had the highest rate of acceptance for June was Bamboo Finance. Read More.

  • No Brokers

    There are two types of methods from which you can seek to borrow online, one would be to use the service of a direct lender, and the other is using the services of a broker. Many people search for "no brokers" because they believe that brokers insert themselves between them and the lender, potentially causing problems of escalating the amount of time to complete the transaction, as well as elevating the cost because they seek a commission. In the case of our company, we simply forward your application to Monevo who are a broker and work with a large panel of lenders. Monevo’s lender’s representative APR is lower than some of the other short term lenders due to the variety and amount of lenders on Monevo’s lending platform.

    We take pride in the fact that we can introduce customers to Monevo’s panel of lenders that currently offer a Representative 305.9% APR. People who borrow short-term loans at such high interest rates are typically already on the cusp of credit decline, so it is important that they get a deal that is the least expensive, allowing them to get back on their feet quicker. Please note, if you are currently struggling financially, and cannot afford to keep up to your current contractual repayments, taking out a loan may not be the best solution to your problem. You may benefit from seeking advice or help from the Citizens Advice Bureau or Money Advice Service. Read More.

  • Cheap Payday

    All payday and short term lenders are capped at being able to charge no more than 0.8% per day. What this means is that although their RAPR’s are different, they are calculated using different calculations using different term and amount values, they can only charge up to 0.8% per day. Monevo’s lender’s representative APR is lower than that of many other payday and short term lenders because their lender panel is more extensive and has multiple short term and payday lenders plus alternative lending solutions with lower APR’s.

  • Guaranteed Payday

    Short term and payday loans are not guaranteed. We can however inform you that loan applications introduced to Monevo’s lending platform from paydayloansnow.co.uk had a 93.95 % lender and buyer accept rate in June. This means that customers who completed the application form on this website and where introduced to Monevo’s panel of lenders and buyers were redirected to a company that may be able to help them with their current financial situation. If you are concerned about having bad credit or other factors such as CCJ’s Monevo’s panel of lenders includes guarantor lenders that make their decisions on the credit rating of the guarantor and less so the applicant. Read More.

  • No Credit Check Loans

    No credit check loans do not exist. Every loan you apply for the lender will check your credit score to assess your current financial situation and credit repayment history. There are some lenders that will lend money to people with a poor and bad credit however the risk is the lender may charge a higher interest rate to cover the risk of lending to a person with poor credit. The other option is to get a guarantor loan where the emphasis is on the customers ability to repay the loan instead of their credit score, this is because a guarantor is credit searched too to ensure they are able to repay the loan for you if you miss payments. Read More.

  • Short Term Loans

    Short term loans typically refer to loans with terms between 1-12 months and between £100 to £2000 the amount you can borrow. Historically these short term loans were referred to as the industry started with lenders offering sums to be paid back when you next get paid. Before short term and payday loans were available, most available to the consumer would have been loans with a larger term and starting loan amount, such as bank loans and secured loans that require capital. Read More.

  • 12 Month Loans

    Do you need many months to pay off what you have borrowed? If so, you may be interested in one that spans 12 months. Monevo’s lenders have loan terms which span multiple months, even up to a year. Do you need a large sum of cash with an extended period of time to repay it? We can introduce you to Monevo’s panel of lenders who likely have products that can satisfy that requirement located at the following link. Read More.

  • 3 Month Instalment Loans

    Interested in a 3 month loan? Whether you need cash for a week, a month, 3 months or an entire year, we can introduce you to Monevo’s panel of lenders to help find solutions. Simply click apply and if your application is accepted by one of Monevo’s panel lenders they will make an offer to you to lend cash to you based on various factors including your application details, historical applications, and a soft search on your credit file (this leaves no imprint on your file). Because your application details are sent to Monevo’s panel of lenders which includes many different types of lending and finance options, you may find your application is accepted by cheaper lenders offering lower APR interest compared to other lenders, such as Amigo. Read More.

    Please note, although the initial lender matching is done based on your application, all lenders will complete a hard search on your credit file before finalising your loan offer.

Some of Monevo's lenders offer loans up to £5,000*

Apply for a loan today!

You will need to be over 18 and a UK resident with a valid UK address. You must also have a monthly income (from benefits or a job) and a UK bank account.

Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk