Payday Loan Alternatives

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Representative Example:

  • Loan amount £200 for 35 days.
  • Payable in One total repayment of £256.00
  • Interest charged is £56.00,
  • interest rate 292% pa (variable).
  • Representative 1212% APR.

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Representative Example:

  • Loan amount £400 for 90 days.
  • Payable in 3 monthly instalments of £187.31
  • Total amount repayable £561.92
  • Interest charged is £161.92,
  • interest rate 161.9% pa (variable).
  • Representative 305.9% APR.
Warning: Late repayments can cause you serious money problems. For help, go to

Payday Loan Alternatives

Payday loans can be extremely useful resources in times when you simply have nowhere else to turn for the money that you need, but they can also be extremely expensive. Many people end up applying for a payday loan simply because they are struggling to obtain credit from anywhere else, or do not feel they will be able to get the money they need in time elsewhere.

If you are in a position wherein obtaining money quickly and effortlessly is of pivotal importance, then you may want to consider the alternative options available to you before you decide to take out a payday loan. Remember that if you don’t have enough money to pay for your bills as it is, applying for a payday short term loans and advances can make your situation worse instead of better. Because we’re here to help, Payday Loans Now has written several articles to inform you of the alternatives you can consider to payday loans.

 Top 5 Payday Loan Alternatives

payday loan alternatives

1. £1000 Bad Credit

Do you need cash quickly? You can apply for a loan of £1000 through Payday Loans Now. The money can be used for meeting emergency obligation payments. Avoid having the lights turned off, get food on the table or fix that car that is in disrepair so you can get to work today, instead of having to wait until your next pay cheque. Payday loans are a great convenience in this regard. They can help you when you are down on your luck financially. As long as you have a job, you have a good chance of qualifying to get an alternative direct lender debt consolidation loan from what banks offer.

Short-term loans of this type can be better than others, depending on your situation. If you prefer not requesting your friends or family to help you in your financial crunch, and would prefer not to approach a bank for a conventional loan (or cannot because of bad credit), we may be able to help you. If you are employed and are expecting a future pay cheque, you may be able to access 1000 pounds of that today instead of having to wait until you receive the pay cheque. To do this, submit your application today.

2. £100 Bad Credit

These days, bad credit payday loans have made it easier for individuals to get emergency cash for short periods of time, without having to go through the a bank to get a conventional type of loan. These loans can be used for situations that you have not foreseen, such as sudden car repairs and other emergency expenses. With this alternative to payday loans, you can take out as much or as little as you like, depending on what you can afford and what the lender is willing to risk based on your current income. You should repay it as soon as you have the cash on hand from your next pay cheque. Usually, with a bank loan you need to build a great credit standing in advance, so that the bank you are lending from feels they can trust you. The problem with this is not everyone has an perfect credit history, and many people suffer with bad credit for various reasons.

For those who need money as soon as possible, a bad credit payday personal loans for bad credit is a fantastic advantage, as they can usually be processed quicker than conventional loans. If you submit an application to Payday Loans Now, your instant cash loan will be processed completely online (subject to approval). Once the loan has been approved, the money you have requested can be deposited into your bank within a matter of minutes. The most important thing to remember about payday loans is that although they are useful, they should only be used in the case of emergency, and not for frivolous or unnecessary spending.

3. One Month Loan

If you are struggling with a cash shortage and need some quick money in order to resolve immediate bills or obligations, consider applying for a payday loan with us. What is a payday loan? They are a form of borrowing money where the borrower does not need to put up collateral. It is a loan that is usually secured by the fact that the person borrowing has a job and therefore has the ability to repay the loan they’re receiving.

4. Installment Loans

Installment loans can be an ideal cash source if you happen to be in the unfortunate situation of needing cash prior to receiving your next pay cheque. Emergencies happen, and sometimes they can be costly. It’s a good idea to save up for a rainy day, setting aside money in case something unfortunate happens that puts you into a financial crisis. If that unfortunate scenario has happened to you, consider applying for a short term payday loan through us. You can do this by clicking the apply button above and submitting your request.

It can be nerve-wrecking if there is no money when medical expenses arise, or if you have to fix your vehicle in order to continue going to your daily job. During times like these, people often rely on friends or family to get them through to their next pay cheque. If that isn’t a luxury you’re able to afford, getting a payday loan may be the next best thing. Apply for a loan today through Payday Loans Now and receive a quick decision on whether your application is accepted.

What is the difference between payday loans and installment loans? It all depends on how you quickly you want to repay it. Payday loans are sometimes repaid in one payment, and sometimes they are made in installments that are paid periodically until the entire loan is repaid. The process of applying for either loan type is extremely straightforward. Spend 15 minutes completing our loan application by clicking the “apply” button above and get started getting your quick payday loan alternative decision today.

5. Small Loans

You’re in a bad position financially, needing to get a small loan quickly but not certain where to go. Let us help you, we lend small amounts of money (from 100 pounds to loans over 1000 pounds. What’s the catch? You need income, some sort of job that will allow you to repay the loan quickly. There are also other types of income which may be considered for allowing you to borrow money, even if you have what you consider to be bad credit.

Do your research and find a place suitable for getting a payday loan. Get offers from several places and make an informed decision on which lending company you prefer to go with. We like to think we offer one of the best deals for getting a loan in the UK, but we don’t mind if you shop around. That is how you get the best deal on anything, not just loans. If you need a small loan or are looking for an alternative type of loan that will allow you to borrow, even with bad credit, please give us a try. Click that apply button and submit your application today.

How to Get A Payday Loan Fast

The terms of getting a payday loan are variable. You can get them for one month, or a time-frame that is quicker (or slower). The difference will be in the amount of interest or fees you are required to pay when getting this type of loan. Obviously, the longer you receive a loan for, the more the fees will be. That is why it is important to repay your loan as quickly as you can manage. Usually, people repay them when they receive their next pay cheque (this is why they are called payday loan alternative uk).

What can you use the money for? We suggest you only use them to pay for emergency items. Whether fixing your plumbing, doing roof repairs, replacing the wheels on your vehicle or taking care of medical bills, the thing you spend the money on should be urgent. The higher interest put on borrowing money for such short durations do not warrant spending on frivolous things such as going to a concert or unnecessary gadgets. Looking for alternatives to a payday loans? Try submitting your application here today!

How to Get A Payday Loan With Bad Credit

Bad credit can prevent you from getting a conventional loan. This is because your credit score is a primary factor in considering whether you are worth the risk of lending money to. If you have bad credit, you may find it impossible to get a loan from a bank, but don’t give up hope. You may qualify for a payday loan. Do you have a job? That is the primary requirement for receiving a temporary small loan that can get you through to your next pay cheque. If you need to borrow money short term, click that apply button above or continue reading.

Do you need instant cash? You can get a near instant decision on lending by submitting your application with us. If you have a source of income and need a payday loan UK, chances of you getting a loan is good. The only question is how much you qualify for and how quickly you can get it. Getting a loan in this manner is a type of alternative loan to what you might otherwise qualify for if you approached a bank for a loan.

If you are a citizen of the United Kingdom for at least a year, and are aged eighteen or over, click the apply button if you need short term cash. Your income status is also very important, as if you do not have a regular monthly payment entering your bank, lenders will not be able to see that you can afford to pay back the money you have owed.

Representative APR*
Paydayloansnow 1,212.0% APR Broker
Wizzcash 1,265.0% APR Direct Lender
Sunny Loans 1,266.0% APR Direct Lender
Cashlady 1,272.0% APR Broker
QuickQuid 1,300.5% APR Direct Lender
Lending Stream 1,333.0% APR Direct Lender