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Get Up to £5,000!*

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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 to know before you apply

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.

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.

Payday Loans UK

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

Where can I get an instant loan?

You can get quick payday 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.

What are Cash Loans?

how to get personal funding

They are a small amount of cash, taken out for a short duration (weeks or months), with higher rates of interest, but are unsecured. This makes them good for people with bad credit. To borrow, click to apply and we will wire funds to your UK account in minutes.

Chances are, you need some help with your finances, quick. If you're able to borrow money right now, it will likely make your life a lot easier. We can have money wired within hours, if you have a job or other type of steady monthly income and reside in the UK. Ready to jump in? Click that apply button above and we will transfer funds to your account quickly after the application is finished. Continue reading would like to learn more about our services first.

What are instant loans?

An instant loan, also known as "payday" or short term, are fast and obtained quickly, hence "instant loans". To qualify as instant, a lending institution should process a borrowers application for cash in an expedited manner once it is requested. The answer is found by applying here now.

How do you get short term loans in the UK?

First, visit our apply page or click here. Next, our helpful finance professionals will guide you through the application undertaking. When successful, your funds are expedited to your account.

In a pinch for month-end enormous monetary obligations with no reserve and without assistance from relatives or acquaintances to prop your situation up? Hardships are laborious to endure alone. Entreat deliverance from destitution with our magnificent monetary solutions. We strive for excellence in provisioning people with requested funds.

They have several caveats associated with them. These are best used when there are no other options, because there is a high interest rate involved. The higher rate is due to the elevated risks found with unsecured funds. There is no collateral involved. Instead of requiring you to put up security, instead these require that you are employed or another type of regular payment you receive.


What do you need to get a payday loan? Requirements may vary from lender to lender, but usually you will need the following to apply:

  1. Meet minimum age requirements in your state (18 in most states)
  2. Have an open and active checking account
  3. Be able to show proof of income
  4. Have a valid phone number

What you should know as you apply for a pay day loan?

The APR interest is so large that with most companies, it ranges over a thousand percent. Current rates are visible by scrolling up, we compare rates between PaydayLoansNow and several other companies. This is one of our major selling points, our APR is nearly half of our competitors, 728% APR compared to 1261% APR of Wonga. Getting the best deal on one is critical because it helps you pay it off quick, as you can gander by comparison.

A significant advantage to this type of instant lending is the indisputably of your credit record not mattering. We do not perform a credit check. Whether you have poor credit, it doesn't matter -- we do no verification. This is a great service to people who wouldn't otherwise qualify for funds. The heightened risk profile connected with not reviewing payments history is built into the price. If your scenario involves a horrible past log of financial dealings, we encourage you to apply -- this will not prevent you from receiving cash from us.

Online Application

There are two pathways to receiving them, one is to apply online, the other is to visit a physical location. Online has the benefit of being more convenient, as they will send funds directly to your bank account. You could literally have the money available to spend within minutes of sending an application. You also save the time and expense of travelling to the brick and mortar location of a lender. It is clearly the best choice and obvious in many ways.

The UK has many new laws protecting lenders. Interest rates are capped, and the more damaging practices such as allowing only the interest to be paid (called a roll-over) is limited to only being invoked a couple instances. This protects consumers in the UK and gives the best deal possible for residents of the United Kingdom.

Information about UK Lenders

The UK has many laws protecting consumers. Our company provides fast lending to the UK. New laws have provided many protections to consumers than previously done, it has never been so simple to get cheap funds with easy repayment as present today. While more expensive than bank lenders, ours have the lowest APR interest of our competitors.

Online Application Process

The entire process of applying is online, from start to finish. After your application approval, we send funds directly to your bank account. You do not have to visit a physical location to receive funds, and can begin spending the cash immediately. This provides a high level of convenience to our customers.

Know within 15 minutes if you Qualify

Some ask if our application is quick enough to send aid within 15 minutes. The answer is yes, we have invested into infrastructure which allows us to efficiently process your application. If we accept, we will wire the funds to your bank account within 15 minutes. Our instant lending has helped thousands receive fast money when most needed.

100% Approval and Guaranteed

Do we offer guaranteed, 100% approval? There will be some funds we are unable to provide. We judge your application based on our perception of your ability to repay. We encourage you to apply, as we have high approval. The good news is we can issue one even with a negative history of borrowing.

What About Bad Credit?

Our expertise is assisting people who have bad credit in getting the financial assistance they need. The main difference between this kind of lending and bank institutions is that we will assist you, even if you have a poor credit history. This gives millions of people access to the lending market who would otherwise not have access because of past mistakes.

When you want to borrow online, you will come across many websites. While all lend, they can be categorised into two groups, direct lenders and brokers.

We Are Located In The United Kingdom

We understand the challenges of providing the best deal to you under laws of the UK in the quickest time-frame. There have been many rulings recently that have made instant online direct lenders more appealing for customers, rules that reduce rates and fees which makes borrowing a safer, friendlier option. Our professionals and support staff all reside here -- our operations and physical business locations are also found here. Feel safe and confident by using the quickest UK lender. Often times, borrowing money from a company like ours is cheaper than getting unauthorized overdraft fees from your local bank.

Is a Small Unsecured Loan Right For You?

Here we offer a word of caution to those wishing to get short term loans online. These are not for everyone and should not be used in circumstances not involving a financial crisis. The fees associated with them are so high that they only make sense to use when you have no other choice.

Most people run out of cash from time to time. When that happens, sometimes they rely upon friends and family to help them through their difficult situation. Not everyone has someone to lean on when a random, unexpected expense shows its ugly head. Whether your car broke down or a storm has caused a leak that needs immediate repair -- they are best used to address emergencies. To use them frivolously in situations simply because you want money sooner can set up a vicious cycle of remaining in debt. It can actually be cheaper to do this than to experience unauthorized overdraft fees from your bank.

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

What Are You Waiting For?

Many people borrow because unarranged overdraft fees are more expensive than borrowing. Our UK lenders are quick and on standby waiting to process your small online funding in an instant. By now, you should have an excellent grasp on what our process is, enough to begin your 15 minute journey toward receiving an unsecured sum. Regardless of whether you have low or no credit, chances are we can fix you up with the fast cash you need to resolve your immediate money crisis.

These types are a higher interest that you can apply for online. You can qualify for a one-time repayment or long term instalment, even with less than perfect history of borrowing, if you are employed. Receive an instant decision and know whether you are entitled after your application submission.

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