Payday Loans UK
Apply For Up to £5,000*

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

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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 Loan Instant Loan Amount
Payday Loans UK Fast Cash Guarantee £100
Instalment Loans UK Lowest UK Rates £200
Instant Payday Loans Unsecured Loans £300
Short Term Loans No Guarantor Loans £400
Online Instalment Loans £500

Where can I get an instant loan?

You can get a quick loan so fast it appears 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 Payday Loans?

how to get personal funding

They are a small and 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 are they distinct from other types?

The difference between one-time repayment funding and others that are obtainable from lenders is the short repayment schedule. Ideally, upon receiving cash from an instalment, you should repay it in one instalment, by definition over a period of a fortnight or varying quantities of months. To receive your remuneration quickly with easy repayment, apply here today.

How do you get a loan in the UK?

First, visit PaydayLoansNow and click on the “apply button”. 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 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 a loan 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.

What are Payday Advances?

Either instalment or one-time repayments, are applied for online which has the borrower getting a decision from a lender from the comfort of your residence. The term comes from having been given a fixed amount of cash based on their income, which is repaid on their subsequent payday cheque, apply here today.

Our business model is online lenders. Our entire system is conducted over the world wide web. This saves time and hassle as you qualify from the comfort of your home. Start by submitting your documents, end by receiving funds wired to your account.

Are pay day loans UK unsecured?

An unsecured loan is unlike ones you would receive from a bank, which would require collateral. Being unsecured and easy qualification comes at a price, as interest rates for this type of funding is higher. However, they help you make ends meet when unexpected expenses occur, getting you through until your next payday.

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.

Are They Instant?

The internet provides a means to acquire cash online. They are faster, more high speed than visiting a money shop in person to apply. You save the time and expense associated with travel. Know whether you qualify instantly after submission. Get fast cash, qualify for our high approval lending today.

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.

UK Citizens on Benefits

If receiving fixed payments at regular intervals, we most likely can lend to you. This includes UK residents who receive benefits, yet are able to demonstrate an ability to repay in a timely fashion. This is especially true of those with part-time employment, where benefits aren’t their primary or only source of income.

Know within 15 minutes?

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.

Direct Lenders

There are several advantages to dealing directly with the source of funding. The first is speed. We are able to process the transaction quick, within minutes of submitting your application, wiring funds directly to your bank account. We help you every step of the way, our finance professionals are available to answer questions.

Another advantage is being able to review our interest rate and know what you’re getting into before you apply. Our rate is listed clearly on this page and compared to others such as Wonga, Sunny, QuickQuid and more. As you can see, you’ve found the cheapest lending available on our site.

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.

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.

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 for a payday loan. 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 is the difference between personal, short term and pay day loans UK? The main difference is the terms of repayment. Typically you will resolve debt by the time you receive your next pay check from your employer, the others have longer terms of repaying. Our professional lenders can help you decide which arrangement is best for your situation.

In general, the quicker you repay your debt, the lower your fees will be. Borrowing one week will be cheaper than those due in one month. Instalment lending requiring multiple payments will have the highest fees and interest.

This is borrowing a small sum and is best suited for times when you’re out of funds and have a gap requiring immediate cash, yet your next pay check or source of funds will not come soon enough. When you borrow in this case, it is unsecured. The amount you obtain is relatively small, and the time for repayment will range from two weeks to 12 months — depending on your preference and means.

There are a few differences between conventional borrowing. While bank lenders require an excellent record, collateral and long term payment instalments, qualify by simply proving your ability to repay. This can be done by providing proof of employment or other steady income that you will possess at a future time.

Life is full of surprises, and we never know when unexpected expenses will happen. A medical emergency, accident, storm damage, vehicle breakdown or other crisis can present themselves at inconvenient times. Sometimes, spending money today can prevent much larger expenses down the road. Whatever the cause of your financial dilemma, using our services can be the solution to your problem because we have no credit check.

What Are You Waiting For?

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 loan 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.

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 issuing a loan. Your best bet when seeking a payday loan with no credit check 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 loan lender, PaydayLoansNow. We will be happy to be the source of your next online loan. Application is easy, so receive a new loan 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. Find that today by applying here for a loan. 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 loan, as well as inflating the cost of receiving one. Read More.

  • Cheap Payday Loan

    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 Loan

    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 a loan, 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.

  • Bad Credit Payday Loan

    Bad credit can hinder your ability to receive a conventional loan. They are made for people with bad credit. If you require immediate financial assistance, but are concerned you have imperfect lending history, it cannot hurt to at least apply. Read More.

  • Short Term Loans

    A short term loan can either function as a one-time payoff (such as payday), or as a multiple instalment loan. 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 your loan? If so, you may be interested in a loan 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.