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Payday Loans UK

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

What Are Payday Loans

They are a type of loan given to people who need funds quickly. If you are employed or on benefits, you can likely qualify for a payday loan. They are also called personal loans, short term loans, instalment loans and payday loans UK.
Payday LoansType
Payday Loans UKNo Credit Check
Payday Loans OnlineLoans for Unemployed
Instant LoansFast Loans
Loans OnlineOnline Loans
UK Payday LoansLoans UK
Bad Credit LoansLoans for Bad Credit
3 Month12 Month
Cheap Payday LoansCheap Loans
Payday Loans No BrokersNo Brokers
Payday Loans Direct LendersDirect Lenders UK

What are instant loans uk?

They are a type of loan someone gets, typically for emergency situations, which has higher interest but is easier to get. They are called "instant" because you can get an instant decision, however it may take up to 24 hours or longer in order to have the final payout.
The following table represents hypothetical amounts you could qualify to borrow if you apply with us. We will work hard to introduce your loan to many direct lenders who could be interested in lending to you. Our entire process is conducted online, so you will receive an online response quickly.
You will never be hit with any hidden charges, applying with pixie loans 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.

Online Loans

Instant online loans 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 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. They 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?

They are the smallest type of loans available in the UK and are used to cover small unexpected costs and expenses. They are typically only borrowed for a short term and are usually repaid within a matter of days, weeks or on an individuals next payday. They 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 this type of lending, 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, 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.They 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 one online from anywhere in the UKFast Cash TransfersOur service is completely free to use and enables you to apply for an online loan 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 ChargesYou 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.

Do ‘instant cash loans’ exist?

Usually to apply 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.A payday loan is a small short term loan which is generally taken out to cover an unforeseen circumstance. They are 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

These types of loans 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.They are a form of credit that is typically repaid over a short period of time, usually by your next pay day, hence the term "payday loan". They are also titled short term loans although they are typically repaid over a period of a few months and up to a year.
Payday LoansType
Payday Loans UKNo Credit Check
Payday Loans UKPayday Loan Companies
Payday Loans OnlineLoans for Unemployed
Instant Payday LoansFast Loans
Payday Loans OnlineOnline Loans
UK Payday LoansLoans UK
Bad Credit Payday LoansLoans for Bad Credit
3 Month Payday Loans12 Month Payday Loans
Cheap Payday LoansCheap Loans
Easy Payday LoansEasy Quick Loans UK
Payday Loans No BrokersNo Brokers
Payday Loans Direct LendersDirect Lenders UK
Poor Credit Payday LoansPayday Loans Companies

Providing same day short term loans to the UK

Are you guilty of overspending before your next payday? Have you been hit with an unexpected bill? Or are you struggling to meet your monthly rental payments? Sound familiar? There are many people in similar financial situations that turn to us for additional financial support to help them through the month.Short term loans are a more flexible path in the way that they allow you to borrow between £50 – £3,000 over a short period of time. The cost can be spread out into 3 fixed monthly payments over a 3 month period instead of paying the full cost of your loan back on your next payday.Short term arrangements offer more flexibility than payday loans when it comes to repaying the total amount of the loan. Many people would struggle to repay the full amount of a loan on their next payday. However we now offer the option to spread the cost of your loan over a 3 month period making the repayment process friendlier to our customers.Applying with us is fast and simple, we help thousands of UK customers every week find a loan to suit their current financial situation. Our website is part of an exciting new group of online personal finance websites that is available to all UK citizens. Unlike many high street banks and loan providers, we will always give you an instant decision when you use our online application form.
  • 5 minute application form
  • 15 minute cash transfers
  • Receive an Instant decision
  • 100% free to apply
  • Borrow for up to 3 months
  • 3 fixed monthly repayments
  • Lowest available interest rates and APR
  • No credit checks

How it Works

Your application is 100% online and should take approximately 5 minutes. So we can give you an accurate and instant online decision we’ll ask you for some personal information such as your home address, employment details and monthly outgoings. For approved applications we will also require your bank details in order to transfer the funds directly into your account.We will give you an instant online decision within a few seconds of submitting your application form. Once approved your loan agreement form will be displayed to you where you can check everything over to make sure that you are comfortable with it. We will always display the total loan amount, interest rates and repayment dates so you know exactly how much you will need to pay back and when, there will be no hidden costs.

Receive Your Funds

After you have reviewed and accepted your loan agreement form, we will automatically transfer the funds directly into your bank account. We specialise in fast cash transfers, you could receive the funds in your account in just 15 minutes!**

What are Payday Loans?

The average value of a pay day loan is around £300 per individual. Typically most direct lenders offer repayment terms of up to 3 months and allow customers to borrow anywhere between £50 – £3,000. They are the smallest type of loans available to individuals.They are similar to short term loans and are ideal for people who only want to borrow a small amount of money usually to cover an unexpected bill or cost. Payday Loan lenders offer them between £50 – £3,000. These types of loans have massively increased in popularity in the UK due to the very fast application process that many payday lenders offer with flexibility on repayments also playing a massive part in their popularity with many UK customers.Short term loans can be used for a number of reasons, typically to help cover the cost of emergency bills such as car and boiler repairs or even to help make rental payments. They should not be used to pay for expenses and larger cost items such as a holiday or car.More than 10 million UK customers borrow over £2 billion every year in short term loans from online payday lenders according to figures released by The Guardian. They are one of the most common types of finance due to their flexibility allowing customers to borrow exactly how much they want for the exact amount of time that they want to. Before short term lending products became available, customers were forced to borrow a larger amount of money over a longer period of time due to many banks and lenders having a minimum loan amount of £1,000.Unlike personal loans, these allow people to borrow a smaller amount of money for a shorter period of time. They are typically repaid within 3 months in 3 fixed monthly repayments which ensures customers find it easier to repay their loan on time by spreading the cost over a 3 month period. Loans online have a very quick process due to their online application service and do not require customers to provide a history of payslips, references or bank statements which is why they continue to be one of the most popular choices of finance in the UK.You can borrow anywhere between £50 – £3000 which can be paid back over a 3 month period in 3 fixed simple monthly payments. This means that you will pay back exactly the same amount every month until the total cost of your loan has been paid off. By spreading the cost over a 3 month period this helps to reduce monthly payments and provide a more affordable option.

Do you offer Instant Loans?

We provide one of the fastest loan application services available to UK customers online. We are proud of our reputation of making the online loan application process as fast and easy as possible. We guarantee you an instant decision when you apply online, something that continues to set us apart from many UK banks and high street lenders. Once your loan has been approved, we work tirelessly to ensure that the funds are transferred into your bank account within 15 minutes of submitting your application form.In most cases our customers will receive their loan on the same working day that they have applied. However this is also dependent on your bank providing a faster payment service in which they can process payments to your bank account at a faster rate. If you apply for a payday loan and are unsuccessful in your application we will also give you an instant decision as to why your application has been rejected. We may also introduce you to some alternative financial products which may be of interest and may be able to help your chances at getting a loan in the future.

Who are Direct Lenders?

A direct lender is a company who deals directly with a customer. This company will add their own terms and conditions to your loan including interest rates, repayment dates and will also carry out a full credit score check. When you take out a payday loan, you will also be entering an agreement with the payday lenders that you have applied with. The agreement will include information such as the total amount that you will have to pay including all interest rates. There is no right or wrong answer when it comes to applying with a payday lender or going through a third part website. Some people will prefer to go directly to the lender whereas other prefer to shop around for the best loan and use various comparison sites in the hope they can find the best deal for them.

Do you offer loans online?

Applying for a payday loan online is the fastest way to to get the money that you need. By applying online you are guaranteed to receive an instant decision and can potentially have the money transferred into your bank account within 15 minutes of applying. The benefits of applying for a payday loan online is that you do not need to book a face to face meeting at your bank branch, instead you just fill out a simply 5 minute online application. When applying for a loan online you need to be sure that you answer the questions as accurately as possible to prevent any delays and speed up the whole approval process. Questions that need to be answered honestly and accurately include your current address details, your monthly income and expenditure.Unlike many high street bank branches and building societies, you can apply for a payday loan online without having to provide a history of bank statements, payslips and references. Another benefit of online loans is that they tend to be smaller in value than loans that are offered by high street banks which means you will be able to borrow smaller amounts of money for a shorter period of time, saving you unnecessary interest costs and repayments.They get their name from the way that the loan was paid back, if you took out a loan, you would normally have to pay the loan back on your next payday, hence the name “payday loans”. There is a lot more flexibility with these types of loans now, as many more lenders allow their customers to repay their loan after 3 months which can help spread out the cost of a loan.

How to apply for a Payday Loan

Applying with us is easy; we are 100% online making it faster and easier to apply for a short term loan. We believe in making the whole application process as simple as possible, just simply choose the amount that you wish to borrow using the slider bars above and complete our 5 minute application form that will give you an instant decision. We will never ring you or contact you and we will never ask for any payslips, bank statements, guarantors or references when you apply for a loan with us.You can apply for a payday loan online 24 hours a day, 365 days a year. Our website is never closed.

Can I get a loan with bad credit?

Although you may find it harder to get approved for a loan if you have a bad credit history, in some cases you application may be successful. We do not directly carry out any form of credit score or credit history check, however some of our lenders may wish to carry our a credit check to see if you are eligible for a loan. Instead we will usually ask for other information such as your monthly salary and expenditure, your address and contact details and your date of birth.If you are suffering with bad credit and we are unable to provide you with a loan, we may recommend some alternative financial products that may be able to help. There are many other lenders and financial companies who have products specifically suited for individuals suffering with a bad credit history. Financial assist products include a credit or debit card suited for bad credit individuals, overdraft facilities and even payment plans and help with financial planning and budgeting.If you are suffering from a bad credit score and are looking for a loan or some financial help – Experian are the UK’s leading credit reporting service and can offer you help and guidance when it comes to improving your report.Our PromiseApplying with us is completely free of charge; we will never charge you a fee or hit you with any charges for using our service. We will always provide you with the full cost of your loan upfront so you are absolutely clear on the total amount of your loan including interest rates that you will have to pay back when you apply with us.We are extremely passionate about responsible lending; we understand that many people find themselves in different financial situations to one another. We are passionate about providing as much financial support to people as possible, however we understand that not everybody is suitable for short term lending. We will always provide additional advice on alternative borrowing options that may be available to you if we feel that a payday loan is not the best option for you.

What are Instant Loans?

There is really no such thing as an "instant 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 loans for bad credit , we encourage you to fill out our application above. While our entire process is not instant, we can offer an instant decision, 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 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 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.

How quickly can I get an instant loan?

Although no lender will pay you instantly, in some cases loans can be transferred to you within 10 minutes of approval (Depending on the lender), which is almost instant.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 necessarily 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 borrowing 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 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. Please note, loans are subject to lender’s approval and criteria. 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 less funds than they require 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 mounting debt, they can help. They can even arrange compensation on your behalf if you have received undue stress regarding payday loan collection activities.

Money Advice Service

What are your financial choices when you owe money and are unable to repay? 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.The payday loans and high cost personal loan market is 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. If not managed properly, can cause you serious money problems.Many people wonder what the difference between them and instalment loans are. The difference between the two are that they are often repaid within one repayment date, often with a month or less, while instalment loans are subject to multiple repayment dates, spread over many months. 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 loans through our websites are subject to lender requirements and approval. Many people are concerned whether bad credit will prevent them from being eligible for a loan. There are companies out there that cater for people with less than perfect credit files.Receive an instant decision shortly after your application. You will have your loan wired straight to your account upon approval, unless your lender require any further information from you.Please remember that if you are taking out a payday loan fro an emergency, to only apply for the loan amount you require. Typically the more you borrow the more you’ll have to pay back.When applying for loans through our website, we understand that you can apply with any company, so what makes ours special? We send your application to Monevo, who use their award winning technology to match you with the most suitable loans from their panel of lenders, at the lowest APR. This saves you time by not having to make multiple credit applications.

Instant Decision

You can apply and get an instant decision on one that you qualify for by applying today. What are some reasons you might want to do this? Following are things you can receive by applying for a loan above:The loans you can apply fro from our website are designed to be applied for online through a secure browser, from the convenience of your home. Know within minutes whether you have been approved or not. Use the money to take care of your immediate emergency needs, you could even receive it on the same day*. Pay it back on your next payday. You need to choose whether to apply for a payday loan repayable at once or a loan repayable over a few or several months.You may be concerned about your credit score. Rest assured, we and Monevo will not perform any credit checks on you, it is the lender that would perform a credit check before finalising your loan offer. Our website is completely free for you to use.If you are applying for payday loans, it is always 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.Online loans in the UK may be the only way to tackle a short term need for funds to cover an emergency, if your bank and other mainstream lenders will not lend to you. Borrowing is how many people resolve these situations. If you’re faced with a surprise bill, or other emergencies, you could borrow from a payday company and pay it back on your next payday as a solution to this problem.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 apply for an instalment loan based on your ability to repay. You can apply for loans that span a month or longer, depending on your borrowing needs. Short-term loans are subject to terms and conditions.It is always recommended that you apply for a loan that is affordable. If you think you will struggle to pay your loan back, taking out a loan would not be a suitable option for you.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.This is the popular method of addressing unexpected emergency expenses if you have been denied credit from mainstream lenders and banks. 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 be able to make a more informed decision. Typically you will want to ensure you have found the cheapest loan possible for your circumstances, with the lowest APR.Our website uses cookies, please read our and Monevo’s privacy policies for more information on this. Small loans UK are available by applying here. When you apply for a short term loan, make sure you get the best deal by keeping informed and doing research prior to applying. Funds will be deposited in your bank after you decide how much you want to borrow and submit your application, subject to lender requirements and approval. After Monevo’s lender’s quick decision process, you will get to find if out if and how much you qualify to borrow.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 Lender Loans

    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? 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

    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. 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. (insert hyperlinks to and ). 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 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

    9. Short term loans are not guaranteed. We can however inform you that loan applications introduced to Monevo’s lending platform from 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

    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 the industry started with lenders offering loans to be paid back when you next get paid. Before short term 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.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.

You have bad credit but you still need an instant payday loan today. We have already helped many people with poor credit history to obtain an affordable payday loan online. You can apply for up to £1100 and get an instant decision. Once approved, you can have the money in your bank account on the same day. All our loans are unsecured and we’ll never ask you for a guarantor

Applying for a payday loan online is fast and easy, even if your credit history is far from perfect. As an FCA regulated direct lender, we want you to understand everything about borrowing money online. We tried to answer many frequently asked questions below but we want you to know that you can always contact us if you need any further clarification. We are constantly getting five star reviews from people in the UK. Our technology is tuned to assess your affordability to repay the monthly repayment over credit check. So even with very bad credit, you are welcome to apply and join our rapidly growing happy customer list.

A bad credit score does not mean you can’t get a good payday loan from a direct lender online. The key is to apply for a loan you can afford to repay on time. Do not be tempted to put your personal details on websites offering no credit check loans loans with guaranteed approval.

Can I get bad credit payday loans?

Can I get a loan with no credit check? Yes, you can. We are a bad credit loan direct lender that is fully authorised and regulated by the UK’s Financial Conduct Authority. Although some lenders will not approve people with poor credit unless they have a guarantor, our brand new technology makes instant loans accessible online for more people in the UK, even with bad credit!

Lots of people ask us about getting no credit check loans with guaranteed approval. While this may sound tempting, payday loans in the UK with no credit check are not a valid option. Please keep in mind that any FCA authorised lender in the UK must perform a basic credit check. Don’t let bad credit score keep you away from reputable lenders.

We are a fully authorised lender operating in the UK. Many people prefer to obtain a payday advance from direct lenders only. We have heard many reasons why consumers prefer to work with direct lenders only. It mostly comes down to the safety of your personal information and the fact that you want to know exactly with whom you are obtaining credit.

What is better? A payday loans direct lender or a broker?

Can a direct lender provide guaranteed loans? Let’s examine the difference between a direct lender and a broker. A direct lender processes your application and gives you money directly. In contrast, when you submit your application form to a broker, they sell it to direct lenders. They may even charge a fee for this. The company that bought your application will then decide whether or not to lend to you. Our opinion: Borrow from direct lenders. Not a broker.

Guaranteed loans from direct lenders is a term that usually implies that you would need a guarantor to secure a loan. We are an unsecured loan direct lender. We have high acceptance for people with bad credit, and we get you an instant decision without a guarantor. As an FCA authorised lender, we cannot guarantee to approve your loan.

How fast can I get instant loans online?

First of all, the process will always be faster if you use instant loans direct lenders instead of brokers. Moreover, the combination of instant decision and instant payout means that the whole borrowing online process can take less than an hour. Still, it is important to remember that as fast as these loans may be, instant UK loans are not always the cheapest credit available for you.

Are quick loans safe?

With the high level of technology nowadays, it’s easy to think that some lenders might be cutting corners and perhaps providing instant lending with no credit check. You’ll be happy to know that the reason we offer such a quick service is because we have streamlined the process with enhanced technology improvements. As per the FCA, we perform a credit and affordability check on every incoming application. The only difference is, we do it fast!

To apply, you only need to fill out a short application form online. To do this, you must be a UK resident over 18. Convenience lenders like Payday Loans Now will not need any paperwork from you. This type of borrowing have undergone a great deal of change in the UK, making them a safe and reliable source of short term finance. Still, they should only be used as a quick remedy for unexpected expenses or bills and not as a long term solution.

How much can I borrow from a UK payday lender without a guarantor? The best application of this service is to fund yourself through a temporary financing gap. In fact, the UK loans market has become a leading example with robust regulatory framework and interest rate cap. Consumers in the UK have better transparency and confidence to use this type of credit.

Uk payday loans without a guarantor usually range from £200 to £2,500. Many UK lenders will approve you for small loans without a guarantor even with bad credit. In the UK, we offer online loans with an instant decision of amounts between £200 and £1,100. Safety reminder: In the United Kingdom, payday loans with no credit check and no guarantor are illegal.

Well, we can answer this question quickly by telling you that we are a fully authorised direct lender. Our cutting edge technology is made to help people with bad credit get a good loan online. We have a high acceptance rate, even if your credit history is not perfect. We also offer a lower interest rate than most lenders in the UK, and we don’t ask for a guarantor. The application process is safe and straightforward. We provide instant decision and money in the bank same day, once approved.

But on top of this all, we are here for you! Our customers rate us a five star lender year after year. Our people will help you with anything they can; this is our corporate culture! We hope you will trust us with your next loan.

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

Payday Loans Now
Unit 15, Nottingham South and Wilford Industrial Estate, Nottingham, NG11 7EP
Phone: 44-033-3003-0070