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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

Compare the market

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    728% APR

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    1261% APR

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    1265% APR

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    1295% APR

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    1255.66% APR

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    1116% APR

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    1270% APR

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    1291% APR

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

What are Payday Loans?

Payday loans are an amount you borrow for a short term (typically until you receive your next employment paycheck, which is why it is termed a "payday loan"). They have advantages and disadvantages, depending on your particular circumstances. They are an excellent option for addressing short term crisis where you need cash but are unable to obtain it in any other way. They are a poor solution if you are intending to borrow long term, as the fees associated with this type of lending are high enough to make it not a good option.

payday loans

Payday vs Traditional Lending

Why would someone pay the exorbitant fees associated with payday lenders? The APR interest on these types of loans are typically in the 1000% range (ours are less, but still quite a sum). There are a number of reasons, but the primary are found in that they are easier to obtain, easy to qualify for -- whereas traditional loans are not. A bank is interested in making long term loans, where you pay back over an extended period of time.

Banks are not interested in issuing loans where fees and interest may be high, but the entire loan amount to be issued is low. Their business model calls for loans that span decades. There is a type of "lending" from banks which happens as a course of issuing a check without having sufficient funds to cover the amount when redeemed. These are overdraft fees that are far more expensive, in many cases, than receiving a loan from a payday lender.

The Solution for Instant Loans

If you need to borrow in a very short timeframe, again payday lenders are the best solution if you have nowhere else to turn. Banks aren't known for processing loans quickly. Some people are fortunate enough to have friends and family who can get them through tough financial situations. If this avenue is not available to you, and you need an instant loan to take care of an immediate demand that you pay a bill, getting a short term loan from payday lenders is a great solution.

Payday Loans UK

If you live in the UK and are in a crunch financially, whether from medical emergency, critical house repairs or other dire unexpected bills, a good solution is to obtain a payday loan. Often, these can be cheaper than bank overdraft fees that you are charged for overdrawing on your bank account. When faced with a bill that must be paid by a certain date, and you are unable to rely on friends or family to get you through, getting a short term loan from a payday lender company is an excellent option.

Payday Loans UKInstant LoanAmount
Payday LendersFast Cash Guarantee£100
Instalment UKLowest UK Rates£200
Instant CashUnsecured£300
Short TermNo Guarantor£400
Fast PayoutsBest Company£500
Borrow in 15 MinutesLong Term£500

Payday Loans Online

There is a great convenience available when searching for a payday loan online. Quite simply, you can have money wired to your bank account from your home by applying online. This saves travel time and expenses associated with visiting a brick-and-mortar physical location to borrow money. It also allows for a greater selection of offers, as there are more opportunities online than there likely are in your local community. This lets you get the APR interest down, by comparing lenders and selecting the offer that is best for you.

payday loans UK

Here is our top content for related pages on our website. Here we discuss the many articles where you can learn more about getting fast cash.

  • No Credit Check Direct Lenders

    By law, all lending companies must perform a credit check before lending. Your best bet for a "no credit check lender" is to find a lender that puts less emphasis on it. Here, we put a larger emphasis on your employment. Read More.

  • New Loan Lenders

    Borrow from a new lender, PaydayLoansNow. We will be happy to be the source of your next online loan. Application is easy, so receive a new one immediately by applying today. Read More.

  • High Acceptance Lenders

    Obviously, they aren't guaranteed. I'm sure you can imagine a number of scenarios in which someone applying for a loan would be denied. The key is to find a lender who approves the highest number of applications.. Read More.

  • No Brokers

    Brokers insert themselves between you and the lender. This can cause problems, increasing the amount of time it takes to receive your money, as well as inflating the cost of receiving one. Read More.

  • Cheap Payday

    Our fees are less expensive than our competition, such as Wonga and Sunny. Check for yourself. Their APR interest rate is far above 1000%, whereas our is much less expensive. Get the best deal by applying today Read More.

  • Guaranteed Payday

    Of course we cannot guarantee lending to everyone. We can, however, let you know that we have a very high acceptance rate. If you are concerned about bad credit or other factors which may prevent you from receiving one, we encourage you to apply anyway, perhaps we can work with you! Read More.

  • No Credit Check Loans

    The law requires we check your credit. Any legitimate lender in the UK will also be required to do so. If you are concerned you won't qualify, we encourage you to try. We place a larger emphasis on your work history and current employment than your credit history. Read More.

  • Short Term Loans

    A short term loan can either function as a one-time payoff (such as payday), or as multiple instalments. Regardless of which you are looking to get, we likely have a loan that will meet your needs. 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. We have products that can satisfy that requirement located at the following link. Read More.

  • 3 Month Loans

    Interested in a 3 month loan? Whether you need a loan for a week, a month, 3 months or an entire year, we have solutions that can meet your need. Read More.

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