Top Loans in UK from Direct Lender Payday Loans

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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  • Simple Application Process
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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

Top Loans in UK from Direct Lender

When money is tight and you are still a few days away from payday, borrowing cash is the logical move to make. The question now is where? If you’re trying to help family members overcome a financial difficulty, then borrowing from family is obviously out of the way. You can try borrowing from friends and co-workers but a lot of people find it difficult to approach others and ask to compare loans.

Direct Lender Examples: if you borrrow £200 over 30 days at a fixed rate of £30.98 per £100(351% p.a) you will repay £249.96 in one payment,including the £49.96 total charge of credit
WONGA Minimum
Minimum Term
1 MonthMaximum Term
3 Months

Representative APR


More info
Direct Lender Examples: if you borrrow £200 over 30 days at a fixed rate of £30.98 per £100(351% p.a) you will repay £249.96 in one payment,including the £49.96 total charge of credit APR Representative.
Minimum Term
1 MonthMaximum Term
6 Months

Representative APR


More info
Representative payday example: If you borrow £200 over a 6 months period at a rate of 192.0% p.a. (static) your total amount payable will be £391.68, including £191.68 total charge of credit. Representatives APR 1271%

A third alternative is to ask your company or place of work for a cash advance. However, there’s no assurance that your employer allows these things. If you’re left with nowhere to turn to, it may be time to get instant payday loans UK. This kind of financial product has been getting such a bad rep from the press and from different sectors of society. But with everything considered, they really do have the employees’ and workers’ best interests at heart.

Why do we say this? In the UK, the best payday lenders ask for very few requirements before lending. They just ask for a company ID or a payslip that proves that the borrower is gainfully employed. Second, they ask for the borrower’s bank details to be able to deposit the cash, as well as to deduct the payments at the appointed time. This could be as short as 15 days or as long as needed. The rates vary depending on how long the term is and how much money has been borrowed.

In return, UK lenders offer borrowers quick processing and release money that they need. Additionally, instead of physically going to their office, borrowers can now go through the process of securing funds online. This is the reason why they asked for your bank details in the first place, to be able to transfer the funds electronically after your application has been processed. This saves not only time but also energy. Furthermore, it assures you of privacy. You don’t need the whole world to see that you’re down.

What Should You Remember?

Short term loans are helpful and beneficial to a lot of people, but it does come at a cost. The lenders don’t ask for any collateral like a car or pieces of jewelry. There’s also no co-maker for the amount borrowed. This means that the risk of the money not being returned is shouldered solely by the lender.

To make the business profitable, lenders need to charge interest fees. These rates are a lot higher than the banks, and they do charge additional fees and penalties for late payments. The best way to handle your obligations would be to pay immediately. If you could settle everything in one payment, well and good. Just be sure to finish all repayments within the designated period – whether that’s a payday, a month, or three months.

Once you’ve gotten past your financial emergency, don’t make borrowing money a habit. Reserve it for the truly important and necessary situations like when someone gets sick, or when you need to buy a plane ticket to see an ailing relative. Don’t take out a loan to get the latest iPhone release or blow it off on a day of shopping.

Let’s Break it Down

Some lenders add the interest and processing fees at the end of the term, while others deduct it from the money they will send you. If your payment is delayed, you will be incurring finance charges and penalties, and the amount will become even bigger. So, try to avoid that and settle your payments on time.

For sums with longer repayment terms such as 3, 6, or 12 months, you can arrange for a lighter and more flexible payment scheme to help you. Some of these loans offer instalment payments which are kinder to workers and employees. This assures the borrower that his or her family will still have enough for their basic needs and other expenses.

There are plenty of reliable loan providers online, but the best payday funds in the UK are the ones which offer fast approval regardless of your credit score. At PDLN, people with far from perfect credit ratings are still able to get paid, and this is one of the reasons why we’re one of the most trusted sites in the UK.

Interested in having cash transferred to your bank account? Get in touch with us today.