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 bill? 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 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 emergency living expenses, like paying your rent before it's due. If you have money problems we can help you pay unexpected bills. Payday loans have the essential purpose of helping applicants who find themselves short on funds between pay dates. These online payday lenders are designed so that you can pay your money back in full by your next payday. If you need longer than you next payday to repay that can also be arranged.

Payday loans are authorised and regulated by The Financial Conduct Authority (FCA) to ensure that the practices of some direct payday lenders are not excessive. You can check it in the financial services register. They are also fully authorised with information commissioners office to protect your perosnal information.

About Payday Loans UK

Payday Loans UK is one of the leading short term loan providers in the UK. We are passionate about making a payday loan online 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 with a payday lender with monthly repayments 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 with credit reference agencies. That's why our finance experts will go above and beyond to find you the best short term 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 online. That's why our loan 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 a loan 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 form. As part of our process for reviewing a potential 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 from a direct lender payday loan request, we can provide one. We'll ask about repayment frequency, amount requested, and other vital details to establish what type of small loans suits your requirements.

All that is necessary from our end of this process is information to supply to the direct lender. Then it will be assigned to the Payday Loan 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 interest rate, when taking out short term loans, can appear higher than expected. There can be a few reasons for this. When applying for payday loans, your credit score is checked from the information you provide and sometimes will impact the APR interest rate set by lenders. You will always need to pay interest so please buget for this. Late repayment can cause extra fees, so please ensure you pay back your loan on time. Direct lenders are responsible lenders and 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 term loans, 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 direct lenders.

Payday loans are authorised and regulated by the financial conduct authority (FCA). They require all payday loan lenders to meet their obligated guidelines. The financial conduct authority declares that the APR rates on short term loans must be specified within any loan applications. 

Every lending company which offer loans will have their policy when it comes to how much you can borrow. The standard amounts you can apply from with a payday lender is usually between £50 to £5000 depending on you current finances. However, the amount you receive, and the repayment period will depend on your credit check. Affordability checks will be carried out. Many payday 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. If you do not have enough money after your first successful application you can also apply for more money later if needed. These options, if available, will be offered upon completion of our direct payday loans application process. Apply online to get short term cash loans today.

The time frame for paying back a payday loan can start from a minimum repayment period of 3 months through to 36 months and possibly beyond. We do not offer short term solution loans less than a month minimum term. When you apply for a payday loan wth payday loan companies, you decide the suitable length of time to make repayments. Sometimes with the timeframe, you can pay back your short term loan will depending on your current credit score.

We do not charge fees on any of our payday loans or provide services. You will never be asked for an upfront payment to get short term payday loans online. The only additional fee on top of your short term loan is the annual percentage rate rate paid to one of the payday lenders. Check out a representative example using our finance calculator. Late repayment and missing your monthly minimum payments can cause late fees being charged. Avoid making a late payment to keep the costs of your loan as low as possible. If you choose to repay your loan early you will may need to pay the payday provider early repayment fees.

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. Taking out a loan that you cannot afford can cause you serious money issues. 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 can be a quick solution. We aim to get funds to you as soon as possible. Get a payday loan today.

If you are 18 years or older, a current 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 the short terms loans 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 for a direct payday loan, 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 loan products for people who need financial help with a bad credit score. Just because you have a bad credit rating, does not mean you will be automatically rejected from borrowing credit or give you a low credit limit. With a 95% success rate for applications, this should not put some people off from applying even if you have bad credit or in a situation of financial difficulty. Each lender has their own lending criteria. All our lenders are authorised and regulated by the FCA. They will carry out an affordability assessment to ensure no irresponsible lending.

When it comes to applying for credit, this will not affect your credit scoring. Lenders use a soft search to check your credit report to determine if you are suitable, and which lender is suitable for you. They will access your credit limit even if you have a bad credit history. 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 your lump sum payment. A guarantor maybe required if you fail affordability checks. A guarantor will be someone you trust and trusts you, this is usually a family member or close friend. If a guarantor is required by the payday lender, you will be notified following the payday loans 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 direct payday loan online is a quick process. Most lenders for a short period loan 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. Once approved, your cash could be sent same day within 5 minutes. Please remember that some lenders will not be able to release cash loans on a weekend but the agreed funds will be completed the next working day.

The majority of payday loans online are very similar and are for short term. Depending on the lender, the APR rate, repayment time and contract details may differ. This will depend on your current circumstances too. We can offer a large range of financial products even if you are self employed. Most payday loans are designed to be different than other loan types. They are different from traditional loans offered by high street bank or credit union. They are also different than a loan set up using a continuous payment authority on a card. Most lenders offer payday loans for customers in some way. Customers with higher credit scores are often supplied more competative short term loans. While other loans have been made more attainable to those with previous serious money problems may carry higher rates.

We are aware that everyone has different circumstances for short term loans, and some will change unexpectedly. If you continue to face financial difficulties and cant repay the loan, please get in touch with your lender as soon as possible. As a responsible lender they are always able to try and assist you pay the loan back.

Contact Info

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