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

Why people choose us

Lowest representative APR

APR takes into account the amount of interest that will be charged to you for borrowing a certain amount of money

Fair & variable interest rates

We won’t try and fool you by luring you in on a low interest rate only for it to change later

Potential to payoff your loan early

Some lenders and brokers arrange loans with flexibility at the center of what they do

We can arrange loans up to £5,000

Apply today and the loan you are looking for could be arranged by our lenders or brokers within a few minutes

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

We Are Direct Lenders in the UK

Welcome to PDLN, UK's best location for fast, guaranteed cash loans in the UK. Whether you have low credit, bad credit, or no credit, we have instant loans that can assist you through a temporary cash flow situation. Here we help you navigate through the process of securing fast cash to get you through to your next pay check. You can know instantly whether you qualify. If you are in an emergency situation, apply now online and receive your response in minutes.

What is a payday loan?

This is borrowing a small sum and is best suited for times when you're out of funds and have a gap requiring immediate cash, yet your next pay check or source of funds will not come soon enough. When you borrow in this case, it is unsecured. The amount you receive is relatively small, and the time for repayment will range from two weeks to 12 months -- depending on your preference and means.

There are a few differences between conventional borrowing and a pay day loan. While bank lenders require an excellent credit record, collateral and long term payment installments, you can qualify for a pay day by simply proving your ability to repay. This can be done by providing proof of employment or other steady source of income that you will receive at a future time.

Life is full of surprises, and we never know when unexpected expenses will happen. A medical emergency, accident, storm damage, vehicle breakdown or other crisis can present themselves at inconvenient times. Sometimes, spending money today can prevent much larger expenses down the road. Whatever the cause of your financial dilemma, using our services can be the solution to your problem.

Emergency Funding for Crisis Situations

The best time to take advantage of a payday loan is in an emergency situation. All that is required to obtain one is evidence you can repay. A perfect example of this is when you are employed and receive consistent pay checks. You should be discouraged from applying in situations that do not present a crisis. The fees required due to this kind of borrowing are high enough to discourage most people from using them repeatedly for unnecessary spending.

How Expensive are They?

While there is a place for using this type of lending to address emergency scenarios, the cost of these transactions are very high. Repayment, on average when considering all lenders, can run as much as 25% on a timeline of between a week and a month. There may be other fees included, such as processing, that some lenders will require. It is important that you shop around for the best APR that you can find.

Problems to Consider When Borrowing Short Term

It is very easy to qualify for pay day, short term and instalment. So easy, in fact, that you can be tempted to utilize them when unnecessary. Furthermore, if you are unable to pay when the due date arrives, it is also easy to get an extension -- which is called a deferral or repayment plan. These options can add even more fees to the amount you owe. It is best to not borrow at all if you think you will be unable to make repayment at the agreed upon time frame. Failing to meet your obligation can result in a negative mark on your credit.

PDLN Compared to The Rest

Why use PDLN? We offer a responsible lending service at a fair price, compared to our competitors. We encourage you to apply for a loan along with several other institutions, and select the best deal at a price you are happy with. We have no hidden fees, the deal we offer you is all-inclusive and guaranteed..

PDLN offers 24/7 instant payday loans online that are available to collect within minutes after your request is approved. We are the best choice to help you get immediate cash.

PDLN is a Direct Lender for the UK

Every month we assist thousands of UK residents in receiving fast cash to help them make ends meet, until their next pay check. We take pride in providing responsible lending that is crucial to so many in the UK. We believe in giving our customers the best online UK instant loans, quick and easy. Here are a few of the reasons to use PDLN for UK instantly.

  • Instant approval
  • Receive cash within minutes of application
  • We specialize in providing UK fast lending
  • Guaranteed if you have means to repay
  • No credit check
  • Fast cash for those with low credit.
  • We lend to those with bad credit
  • Get cash even if you have no credit

Instant Money Transfers

Chances are that when you are interested in borrowing with high fees and interest, it is because of an emergency or extreme financial crisis. In such cases, you need money transferred to you as soon as possible. We offer fast cash transfers. With PDLN, you can receive your funds within minutes of processing your application. We are happy to provide this service for those needing UK instant loans.

  • Receive your funds 24/7
  • Fully transparent lender
  • Based in the UK
  • Instant transfer to your bank account

Clear Terms and No Hidden Charges

We do not charge you for merely applying. You are always able to accept or reject our offered terms without fear of being charged a fee. We have no hidden fees with our lending service. All expenses are transparent and all fees are laid out at the time you accept our offer. We give you this offer within seconds of completing your application. Our finance department is available at every step of your application process to offer guidance and advice, as well as answer your questions.

PDLN is an Online Lender

Our lending service is operated entirely online. This makes applying easier for our customers, and allows us to process your payment faster and easier. It allows us to provide 24/7 lending services to you. We can often make a quick decision on your application without need of payslips, bank statements or co-signer guarantors. This sets us apart from others. From start to finish, get fast cash from the security and comfort of home using PDLN.

Here are our Promises

  • We will always provide cost of fees up front
  • You will know all required fees prior to agreement
  • There are no charges for application, this is free
  • We can give you a decision within minutes of application
  • PDLN is passionate about lending responsibly
  • If we feel it is your best option, we will provide advice on alternative options that may be available.

Pay Day, Short Term and Instalment

What is the difference between pay day, short term and instalment loans? We provide all of these services. The main difference is the terms of repayment. While a pay day is due typically by the time you receive your next pay check from your employer, short term and instalment have relatively longer terms of repaying your debt. Our professional lenders can help you decide which arrangement is best for your situation.

In general, the faster you repay your debt, the lower your fees will be. A one week loan will be cheaper than a short term due in one month. Instalment loans requiring multiple payments will have the highest fees and interest.

What Are You Waiting For?

Our UK lenders are on standby waiting to process your loan. By now, you should have an excellent grasp on what our process is, enough to begin your 15 minute journey toward receiving a new loan. Regardless of whether you have low credit, bad credit or no credit, chances are we can fix you up with the fast cash you need to resolve your immediate money crisis. Apply now and get your answer within minutes.

We’re here to address your concerns and queries. If you’re interested in securing fast cash and don’t know where to begin, send us an email at help@paydayloansnow.co.uk or call us on 0333 0030070. We’re more than willing to assist you.

December 4, 2016 update: if you are short on funds for the holidays, contact us now! We provide instant payday loans in the UK so that this year's holidays will be special. Celebrate this special time of year in comfort knowing you can rely on PDLN to receive a cash advance on your next paycheck! Merry Christmas and happy holidays from the PDLN staff.

Some of our lenders & brokers offer loans up to £5,000*

Get matched with a direct lender 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