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Payday Loans UK

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Payday Loans UK

Payday Loans UK can vary in size and borrowing terms, for example some payday lenders offer repayment terms of up to 3 months. Typically most lenders will allow their customers to borrow anywhere between £50 – £3,000 although the average value of a pay day loan is around £300 per individual.

Our Loan Process

A payday loan is a small dollar short-term advance used as an option to help a person with small, often unexpected expenses. Payday Loans are short-term in nature and not intended to be used long-term or for larger purchases like a home or a car. They are a safe and convenient way to allow a customer to stretch their buying power and help cover small, unplanned expenses. Whether you’re suffering from seasonal expenses like holiday bills and back to school costs or you need help with unexpected bills, or repairs, we can help.

What are Payday Loans UK?

Payday Loans are the smallest type of loans available in the UK and are used to cover small unexpected costs and expenses. Payday loans are typically only borrowed for a short term and are usually repaid within a matter of days, weeks or on an individuals next payday. Payday loans have massively grown in popularity throughout the UK in recent years due to their flexibility when it comes to borrowing smaller amounts. Before these types of smaller loans were available the only option for many people was to arrange an overdraft with their bank or apply for a bigger loan than what was needed.

There are a number of reasons why many people in the UK turn to payday loans, most common reasons include overspending between pay cheques, being hit with an unexpected cost such as a car repair bill or just covering day to day costs. Whatever the reason for taking out a payday loan, we want to make the application process as simple and as fast as possible. Our whole application process is 100% online and is completely free to use for UK customers.

Payday Loans UK can vary in size and borrowing terms, for example some payday lenders offer repayment terms of up to 3 months. Typically most lenders will allow their customers to borrow anywhere between £50 – £3,000 although the average value of a pay day loan is around £300 per individual.

Unlike many other types of loans, paydays typically consist of an online application process, unlike many banks and lenders and face to face meeting will not be required when applying for a loan online.

You can apply for a payday loan online from anywhere in the UK

Fast Cash Transfers

Our service is completely free to use and enables you to apply for a payday loan online and receive a decision with minutes of submitting your application form. The whole application process takes 5 minutes, there is no face to face meeting required, just 1 simply online application. We pride ourselves on our reputation of providing one of the fastest loan application processes available to UK customers. We are passionate about taking the stress out of the loan application process which is why our lenders will aim to have your funds transferred to your bank account within 15 minutes.*

No Hidden Charges

You will never be hit with any hidden charges, applying with us is completely free of charge. If you apply with us and your application is unsuccessful, you will not be charged or hit with any costs. Our Monevo lender matching technology will provide you with an instant online decision.

What Are Payday Loans UK

Payday Loans UK Some Of The Lowest UK Rates
Payday LoansBorrow £50 – £2,000*
Instant Payday Loans15 Minute Cash Transfers**
Short Term Loans3 Fixed Monthly Payments
Payday Loans Online5 Minute Online Application
No Credit Check LoansPerformed by UK Lenders

Do ‘instant cash loans’ exist?

Usually to apply for a payday loan from any company, your application will need to be approved before you receive a money, meaning that there is no such thing as an instant loan.

What Is A Payday Loan?

A payday loan is a small short term loan which is generally taken out to cover an unforeseen circumstance. A pay day loan is usually paid back on the borrower's next pay date. Typically you can borrow from £100 up to £1000.

What to know before you apply

Payday Loans UK can vary in size and borrowing terms, for example some payday lenders offer repayment terms of up to 3 months. Typically most lenders will allow their customers to borrow anywhere between £50 – £3,000 although the average value of a pay day loan is around £300 per individual.

Payday loans are a form of credit that is advanced to you when you are short of funds. It is typically repaid in multiple instalments over many months, hence the term "payday loan". They are also titled instalment, bad credit or advance loans. Short term loans come with fixed fees, and are regulated by the government.

Does PaydayLoansNow Offer Instant Payday Loans?

There is really no such thing as an "instant payday loan". Most loans require an application and approval process. At PaydayLoansNow our application usually takes a few minutes to fill out. You will be presented with a decision that may require additional verification checks after you submit your application for review.

For people who are interested in instant loans UK, instant payday loans for bad credit or instant decision payday loans, we encourage you to fill out our application above. While our entire process is not instant, we can offer an instant decision on payday loans, as well as instant approval.

Getting fast cash when you need an instant loan can be important. To get cash quickly, avoid brokers and use a direct lender. By doing this, you save time, fees and ultimately you receive a more pleasant borrowing experience. Following are some points explaining the high level of service we offer.

Easy Loans

Many people wonder if the process of borrowing is complex, or if they can get easy payday loans for 1000 pounds or more. The answer is that you can fill our our form, click submit and receive a quick decision. It is free to apply and a very simple process. If you have bad credit UK and need an online payday loan, apply today.

Where can you get the cheapest payday loans? The Top 10 Payday Loans from industry leaders all share one thing in common, high interest rates. APR interest on pay day loans online are higher than conventional borrowing from banks. The best ones are the ones you can get quickly.The Financial Conduct Authority has a general objective to promote the safety and soundness of the firms it regulates. We were established on 1 April 2013, taking over responsibility for conduct and relevant prudential regulation from the Financial Services Authority.

Where can I get an instant loan?

You can get quick pay day loans so fast they appear instant with online lenders. Instant loans are approved in minutes, and cash can be transferred to your account within minutes (depending on your bank). This means no paperwork, queuing, or long wait times with lenders. You can apply instantly for up to £5000 in only a few minutes.

payday loan

The Solution for Instant Loans

If you need to borrow in a very short timeframe, small loan lenders are a solution. 1. High Street banks aren’t equipped for processing instant cash loans quickly, their loan application process involves an element of underwriting meaning your loan application has to be approved by a human. The online payday lenders have a complete online journey where decisions are done by computers. Some people have friends and family who can get them through tough financial situations. If you need an instant loan to take care of an immediate bill, getting a short term loan from payday lenders could be the answer. Quick loans and faster payments are available from companies when you qualify for their lending criteria. For more information read below.

If you live in the UK and are in a crunch financially, try payday loans online. They are convenient, you can apply with mobile phones. When faced with a bill that must be paid by a certain date, get a short-term loan from a payday lender company, especially if you have bad credit. Payday lenders require that you comply with lending criteria, such as being employed, to qualify you for borrowing. For more information read below. We are committed to responsible lending and data protection (see our privacy policy). As a warning late repayment can cause you serious money problems, if you do not resolve the amount before the repayment date. Submit your applications by clicking on the "apply" button above.

Online Pay Day Loans in the UK

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. The application process is easy. 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 may let you obtain a lower rate of interest and get the APR interest down. Apply today for instant loan decisions. Be certain to repay on time as to not affect your credit badly, as people who do not repay their short term loans by the pay date could experience money problems.

Getting Your Finances Under Control

Those in need of emergency borrowing typically have unstable finances and could use some help in that regard. In the interest of giving our customers the best service possible, we have included the following helpful information and guides on payday loans to help get your finances under control, learn to save money, know the lending alternatives and what to do if borrowing gets you into financial trouble.

Financial Ombudsman

Do finances keep you up at night? The UK Financial Ombudsman is here to help. If you're suffering loss of sleep and stress from borrowing money, they can help. They can even arrange compensation on your behalf if you have received undue stress regarding payday loan collection activities.

Stepchange Free Debt Management Plan

Do you need debt advice, a debt management plan, bankruptcy dvice or information on debt relief orders? There is a website that provides free debt advice called StepChange. They will help you work out a plan to resolve your financial difficulties, including budgeting, helping to work with those you owe money to, and more. The service is free and they want to help you.

Money Advice Service

What are your financial choices when you owe money and are unable to repay payday loans? There is a website called The Money Advice Service designed to give you advice and guides on how to improve your finances. They have tools and calculators that will help you track and plan ahead. They give free, and impartial, money advice to help you get back on your feet.

Citizen's Advice

Don't let short term debt lead to long term financial problems. Citizens Advice will help you learn your rights, for free. They can help with debt solutions, mortgage problems, rent arrears, banking and borrowing money.

Contact us with your application for payday loans online and we will wire cash to your bank account, with a quick decision same day loan. These loans can be a one time repayment or an instalment loan that is paid over multiple months. If you are a customer with bad credit, we encourage you to still apply as we will determine with our affordability checks whether you qualify. It is free to apply, and you can get payday loan you can afford if your loan is authorised.

Payday loans are authorised and regulated by the Financial Conduct Authority. Applying for a payday loan can meet a customers need in times of financial trouble, but are not to be taken lightly. instant cash loans can cause you serious money problems. Contact us with your application and we will determine how much you can apply for.

We offer quick payday loans. Many people wonder what the difference between them and instalment loans are. The difference between the two are that payday loans are often resolved with one repayment date, while instalment loans are subject to multiple repayment dates, spread over many months. You can qualify for either by clicking the apply button. Warning late repayment can cause you serious money problems. Our privacy policy and contact us pages will give you more information about our company.

Fast Payday Loans

Our quick payday loans are subject to conditions such as your employment status. Many people are concerned whether bad credit will prevent them from receiving instant payday loans. Payday companies such as direct lenders offer loans to people with bad credit. Receive an instant decision shortly after your application. Your account at your bank will have cash wired to it if your application is accepted.

If you're wondering how much you qualify for, please click apply for the details. After entering details of your employment and payment types, we help you select a loan amount that is right for you, that you can repay on time. These are, in most cases, virtually instant payday loans customers take out for short term and repay by your next payday.

Get more information on what you could borrow if you take out our payday loans by clicking apply above. Enter exactly how much you want to borrow and find out more. When applying for our loans, we understand that you can apply at any company, so what makes ours special? Ours are based on affordability checks and make sure you are able to meet monthly payment requirements. For short term loans, make sure you can afford the payments, as these loans are higher interest. Repay the loan on time to maintain good credit.

Instant Decision on Payday Loans

You can apply for payday loans and get an instant decision on one that is right for you by applying today. What are some reasons you might want to do this? An unarranged overdraft at your bank, much of the time, costs more than a payday loan UK lender. Applying for payday loans in 15 minutes and instant cash loans let you choose a less expensive route in this situation. Following are things you can receive by applying for a loan above:

If you have unexpected emergency expenses and don't want to be charged too much when getting a payday loan, try our service. Read our representative APR and compare it to other websites. We are a great alternative and understand exactly how to provide you with an affordable loan. Are overdrafts from your bank charging large amounts and looking for a good alternative? We recommend shopping for the best shortterm loan and going with the one with flexible payments, online approval, and allows you to apply with a mobile phone.

Our loans are designed to be applied for online through a secure browser, from the convenience of your home. Know within minutes whether if approved or not. Use the money to take care of your immediate emergency needs, receive it the same day and pay it back on your next payday. You need to choose whether to apply for a short term loan repayable at one once or over a span of several months. One of the reasons to apply for loan here is the cost is better than many of our competitors. We understand that you can be concerned about your credit score, but when applying for one realise it is free to apply.

If you want a payday loan lender to provide lending, consider it a good idea to do a comparison of various offers. The one you choose should provide the maximum benefit with the least cost. Review any guide on their website, check out their reviews and calculate the cost of your loan. If you need more time to repay, you want to contact your lender to request an extension. In most cases they will, but the cost of your payday loan instant approval will escalate. It will be far more expensive this way. Review their terms and conditions whether they offer this service.

Online payday loans in the UK may be the only way to tackle short term debt if your bank will not lend to you. Typically they are not interested in making loans for days or months, but more interested in years. A payday loan is how many people resolve these situations. Furthermore, please research whether your bank will issue an unarranged overdraft and you will discover the charges are often more than from a payday loan. You could borrow from a payday company and pay it back on your next payday as a solution to this problem.

Cash Loans

Get Payday loanOffer Quick Payday Loans
Online Payday LoansFrom Payday Loan Lender
Instant Cash LoansPayday Loans Direct Lender
Short Term Loans Payday LoansPayday Loan Company

Many people wonder whether we are direct lenders. The answer is that we are an Introducer Appointed Representative of Quint Group Limited, who are a credit broker, not a lender. By clicking apply you can get an instalment loan based on your ability to repay. Repayment plans allowing you to get payday loans that span days or months are available. Short term loans are subject to terms and conditions. One of the conditions is that the loan is affordable. If you need more time to repay, the cost of your loan will increase. These loans are expensive and are typically used to address unexpected expenses. Consider this and review your options before you apply.

A payday loan is one of the most used methods of addressing unexpected emergency expenses. Payday loans in the UK are available online from payday lenders. Review the competition and find out more information on this type of lending on their website. By doing this you will learn what is the best company. They will be the one with the lowest APR interest rate and no or low fees.

Our website uses cookies, please read our privacy policy for more information on this. Small payday loans UK are available by applying here. When you apply for a short term loan, make sure the best deal is received by reading our guide. Funds will be deposited in your bank after you decide how much you want to borrow and submit your application. After our quick decision process you will get to find out how much you qualify to borrow.

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 Payday Loans Direct Lender

    4. 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 for a new loan, 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 lendors or service providers, and it is entirely free to apply. Read More.

  • High Acceptance Lenders

    6. 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 loan 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

    7. 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. Our 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, Wonga for instance is 1261% APR on average (at the time of this posting, June 28 2017), and nearly every other lender is within the same range (Sunny 1291%, Peachy 1255%, QuickQuid 1295%, etc.) We take pride in the fact that we can introduce customers to Monevo’s panel of lenders that will offer, on average, 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. Read More.

  • Cheap Payday

    8. 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 loan term and loan amount values, they can only charge up to 0.8% per day. Monevo’s RAPR is much lower than that of the 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

    9. 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 99.9% 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

    10. 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

    11. 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 where referred to as payday loans as the industry started with lenders offering loans to be paid back when you next get paid. Before short term and payday loans were available, most loans 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

    12. 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

    13. Interested in a 3 month loan? Whether you need a loan 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.

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