Payday Loans

Representative APR 49.9%.

Representative Example: Borrow £1200 for 18 months. Total amount payable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9.% pa (variable). Rates between 9.3% APR and 1294% APR - no obligation quote and APR will be based on your personal circumstances. Loans from £50 to £500 over a 3-to-36-month term. Subject to lender's requirements and approval. *Once approved, your cash could be sent within 5 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

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

Fast Approval

Get approved fast in 3 simple steps, that's it!

Loan Options

Need money for your next awesome project? Our product development team has assembled the following loan packages you can choose from. Click on details

Payday Loan Direct Lender

Personal Loan

Do you want to buy a bicycle, that all new smartphone or even an awesome laptop? This credit option will suit you best

Payday Loans UK

Vehicle Loan

It's time to change that old rust bucket you're currently driving. Apply for a vehicle loan and enjoy the car of your dreams


House Loan

The family can't fit anymore in that one bedroom flat? Change their lives with a nice new and modern home


Student Loan

Have you decided to invest in your education and can't afford the costs? Use the student loan for a better future


Travelling Loan

Ready to see the world? Pack your bags and go travelling to any destination you desire using our travelling loan

Apply Now

StartUp Loan

Nowadays everyone has a business idea but doesn't have the resources to make it a reality. We're prepared to fix that

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Now Is The Right Time For A Quick Payday Loan

Affordable, quick money loan
No hidden fees
Cash sent in 5 minutes*
All credit types considered
Flexible Repayments
Your details are 100% secure

It's very easy to obtain a loan quotation online. Simply fill out our application form and we will search our panel of lenders.

You will need to provide some personal details so please make sure you read our terms & conditions and privacy pages.

Terms Privacy
Instant decision on your loan from £50 to £5000
Once approved, you can review the lenders offer
Get paid cash in your bank account in under 5 minutes*

All charges are transparent. Our application page is easy, you can see how much you will repay each month on payday loans in the UK. There are no hidden costs or charges. The figure that you see is all you have to pay.

  • No hidden fees
  • All credit types considered
  • Lowest possibly interest rates for you
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We're passionate about offering the best payday loans at the lowest possible cost for you. Whether you’re looking for a £50 loan to a £5000 loan from 3 months to 36 months, we’re here to help.

Payday Loans Online- Get Instant Loans

Have you ever had to borrow money from a friend because of an unexpected expense? Maybe it was for something as simple as groceries, or perhaps it was for something more substantial like your car breaking down. Either way, borrowing money is never easy, but there are times when it's necessary.

If you're looking to borrow money quickly, then payday loans are the solution for you! Let's look at what exactly payday loans are and how they can help you out in your time of need!

What Are Direct Payday Loans?

Direct payday loans are a great way to get the funds you need for an emergency expense, like paying your rent before it's due. They have the essential purpose of helping applicants who find themselves short on funds between pay dates. These direct lenders are designed so that you can get your money back in full by next month's salary date.

But they may not be ideal for people with longer-term financial problems because these types of loans typically have high-interest rates and low minimums. It makes them hard to afford and cause you serious money issues with the payday lender otherwise!

The Financial Conduct Authority (FCA) has put new regulations in place to ensure that the practices of some direct payday lenders are not excessive. You can check it in the financial services register. If you're not sure of interest rates, considering any payday loan alternative will be good.

About Payday Loans UK

Payday Loans UK is one of the leading short term loan providers in Great Britain. We are passionate about making borrowing easy, safe and convenient for people who need quick cash without relying on costly personal loans from traditional sources. It can be banks or credit cards companies that charge high-interest rates!

Our efficient customer service team will find an option tailored just for you. So, don't wait any longer because there's nothing worse than being stuck waiting days before receiving funds when all this could have been taken care of immediately.

We want to help you get out of debt and stay that way. With our commitment, we can put together a repayment plan tailored for your unique situation so there's no more stress about how much interest will cost each month.

We understand that everyone is different and may not have a perfect credit score. That's why our finance experts will go above and beyond to find you the best option for paying your loan off quickly!

Requirements For Payday Loans Online

At Payday Loans UK, we understand that speed and efficiency are vital to obtaining a payday loan. That's why our application process is designed for quick approval so you can get on your way as quickly as possible! All applicants will need the following qualifications before starting an application:

  1. UK Residency
  2. 18+ Age
  3. Regular Income Source
  4. Bank Account Details (Credit/Debit Card) Will be Needed
  5. Self/Full-time/Part-time Employment

Are you ready to take the first step? If so, click apply now, and we can get started with assessing your application. As part of our process for reviewing a potential alternative payday loan client, please provide us with some additional information about yourself, such as income levels or spending habits over time (3 years). It will help make an informed decision based on what's best suited just for YOU!

If you're looking for a quick decision on your loan request, we can provide one. We'll ask about repayment frequency, amount requested, and other vital details to establish what type of finance best suits these requirements.

All that is necessary from our end of this process is information. Then it will be assigned to the Customer Care Manager in charge, who'll make sure everything looks good with repayment terms before offering approval.

Our Payday Loans FAQs

Will getting a payday loan cost me more money?

Sometimes the APR rate, when taking out a loan, can appear higher than expected. There can be a few reasons for this. When applying for a loan, your credit score is checked from the information you provide and sometimes will impact the APR rate set by lenders. Lenders want to protect themselves from possible non-repayments. So, the lower your credit score, the more risk for the lender.

While some payday loan lenders will give lower-interest loans for a short length of time, it is more advantageous and profitable for lenders to offer greater sums for a longer period of time. This will save you money while simultaneously making a profit for the lenders.

The Financial Conduct Authority (FCA) supports the regulation of lenders. They require all loan lenders to meet their obligated guidelines. FCA declare that the APR and Interest rates on loan offers must be specified within the application.

Every lending company will have their policy when it comes to how much you can borrow. The standard rates are usually between £50 to £5000. However, the amount you receive, and the repayment period will depend on your credit scoring. Lenders only perform soft credit checks which means applications won’t affect your credit score, even if you are unsuccessful. We approve 95% of applications to give credit, regardless of your credit history or circumstances. It's important to us that the right person is matched with the right lender for them. These options will be offered upon completion of our application process.

The timeframe for paying back a loan can start from 3 months through to 36 months and possibly beyond. When you apply for a payday loan, you decide the suitable length of time to make repayments. Sometimes with the timeframe, you can pay back your loan will depending on your current credit score.

We do not charge fees on any of our loans or provide services. You will never be asked for an upfront payment to get a loan, the only additional fee on top of your loan is the APR rate.

Getting a loan online has never been easier. If you’re looking for an immediate loan payment, online applications are ideal. The process is quicker and, as long as everything is okay with your application, the money will arrive into your bank account that same day – usually within a few hours of applying.

It is advised that same day loans are not used as a long-term solution for financial difficulties. This can lead to further, unnecessary debts. A payday loan is a suitable option if you run into an emergency, or an unforeseen expense occurs. We fully understand the urgency of our applicants and aim to get funds to you as soon as possible.

If you are 18 or older, a UK resident with a regular income, and have a bank account with a valid debit card, you may be eligible to utilise our service. You will need to pass our application process before finding out whether you successfully meet all requirements.

All funds will be directly deposited into your chosen bank account. Before you apply, ensure all information is accurate to prevent any delays in receiving your funds. You will usually receive funds within 24 hours of applying for a payday loan.

Many lenders provide options for people who have a low or bad credit score. Just because you have a low credit score, does not mean you will be automatically rejected from borrowing credit. With a 95% success rate for applications, this should not put some people off from applying.

When it comes to applying for credit, this will not affect your credit scoring. Lenders use a soft credit check method to determine if you are suitable, and which lender is suitable for you. Upon accepting the loan offer and repayment conditions, the lender will perform a full credit check. However, you will already know that you have met the criteria from your initial application – so, you have nothing to worry about.

Your circumstances will determine if a guarantor is necessary. A guarantor isn't required for most loans, although certain direct lenders will require one before you can receive payments. A guarantor will be someone you trust and trusts you, this is usually a family member or close friend. If a guarantor is required, you will be notified following the application process and before receiving funds.

You will not be asked to physically send any documentation; this can easily be done online. Applying for a loan online is a quick process. Most lenders will request proof of identification, address or income before proceeding with your application. For example, if you have recently moved to a new address, then you are more likely to be asked for this information. You will be asked to sign a digital contract to confirm you agree with the Terms and Conditions of the loan repayments.

You can apply for a payday loan at any time on any day of the week, even at weekends. Please remember that some lenders will not be able to release funds on a weekend but this will be done the next working day.

The majority of payday loans are very similar. Depending on the lender, the APR rate, repayment time and contract details may differ. This will depend on your current circumstances too. Most lenders offer payday loans for customers in some way. This is beneficial for customers as it provides better offers to those with higher credit scores. While other loans have been made more attainable to those with previous financial difficulties.

As lenders, we are aware that everyone has different circumstances, and some will change unexpectedly. If you continue to face financial difficulties, please get in touch with us as soon as possible. Your lender is always able to assist you.

Contact Info

Address: Finance Online Ltd, 20-22 Wenlock Road, London N1 7GU
Tel: 0800 644 0140, Email: