Payday loans from £50 to £5000

How much cash do you want?

Quick loan, 100% safe, no obligation

Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

How Online Loans Works



Start by completing a secure online form. We'll search our panel of leading lenders to find the best loan deal for you.



We'll present your lender's offer online, so that you can review it along with the exact cost of the loan.



If you accept their offer, the cash will be transferred straight into your bank account in just five minutes.*


Who are Payday Loan UK

Payday Loan UK is a leading provider of payday loans and fast loan solutions in the UK. Our experienced professionals will search through many lenders to provide you with the most suitable offer for your financial needs. Whether you need quick cash to tide you over until your next payday or require a more significant sum to cover an unexpected expense, we can help.

At Payday Loan UK, we provide hassle-free payday loan online services tailored to meet our customers' needs. We make sure to keep up with the latest information on lenders and their policies so that we can give you the most accurate advice possible. With us, you can feel confident knowing you're getting the best deal.

We're proud that our online payday loans are always backed by friendly customer service - you'll always feel supported when discussing your options with us.

So don't worry about getting through until the next paycheck – let us help ease the burden of managing bills and stay afloat!

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How much cash do you want?

Quick loan, 100% safe, no obligation

Frequently Asked Questions

  • What are payday loans?

    Direct payday loans online are a great way to get the funds you need for emergency living expenses, like an unexpected bill. If you have money problems we can help you pay same day unexpected expenses. These types of small loans have the essential purpose of helping applicants who find themselves short on funds between pay dates. These loans are designed for a short period, to pay your money back in full by your following payday. If you need a longer repayment period, rather than a short term solution, that can also be arranged.

  • What are the best online payday loans?

    There are many different loan providers, and each offers slightly different services and loans. We search a panel of industry leading of loan companies to help find you the most competitive payday lender. The most competitive payday loans will usually be those that offer several key features. The best payday loans online will usually come with lower APR, provide instant approval, same day cash payments, and easy repayment terms. We provide the support and guidance needed in order for you to rest assured that any agreement will work for both parties involved - no matter what type of credit reference agencies are used.

  • Can I use a smartphone to apply for a payday loan?

    Yes our website is designed to be used on a smart phone, tablet or computer. You can apply for payday loans using your smartphone’s web browser. This will begin the application process which is secure and user friendly. Apply for your instant quote today.

  • What regulation is there for payday loans?

    Payday loan lenders are highly regulated. They are regulated by The Financial Conduct Authority (FCA) to ensure that the practices of some payday direct lenders are not excessive. You can check the lenders details in the financial services register. The financial service register is operated by the Financial Conduct Authority. The financial conduct authority require a credit check and affordability assessments to be carried out. Late repayment can cause serious money problems These loans issued by direct lenders are also fully authorised with the information commissioners office to protect your personal information.

  • Will there be a credit search with a direct lender?

    One common question many people ask is whether payday loan lenders perform credit checks on them. Your application will only perform a soft search by payday loan companies and does not effect your credit file. When you accept your loan offer, apart from the soft search, there will be a full credit check as required by the financial conduct authority.

  • What if I can’t pay back my loan on time?

    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.

  • 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 for a loan, your credit score is checked from the information you provide and sometimes will impact the APR set by lenders. You will always need to pay interest so please budget for this. Delayed repayment can cause extra fees, so please ensure you pay back your loan on time. Direct lenders are responsible lenders authorised and regulated by the FCA. The lower your credit score, the more risk for the lender and the higher the rate would be.

  • Do payday loans make my bad credit score even worse?

    The application process is only a soft search credit check and will not effect your credit rating. If you are approved and proceed the lender will carry out credit checks, these will leave a record on your credit file. As long as you pay the loan back within the agreed time limits it may in fact help your credit rating. 

  • Do all payday loan applications get accepted?

    Not all borrowers will be accepted by the payday lender. The application process depends on many different factors, such as your employment history and current employment situation. However, if you meet the basic requirements of the application process, you should be able to get your loan accepted same day. Once you have been accepted, you can receive money in your account within a few minutes.

  • Will you charge me additional fees?

    We do not charge additional fees for a payday loan. You will never be asked for an upfront payment. The only additional fee on top of your short term loan is the annual percentage rate rate paid to one of the payday lenders. Making a payment late 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.

  • When do i need to pay back my loan?

    The time frame for paying back your loan can start from a minimum repayment period of 3 months through to 36 months and possibly beyond. We do not offer small loans less than a month minimum term. When you apply with one of the payday loan lenders, you can decide the suitable length of time to make repayments.

  • What do I need to get a payday loan?

    To get a payday loan quickly you will need to be 18 years or older, a current UK resident with a regular income, and have a bank account with a valid debit card. You will need complete a loan application online before finding out whether you meet all the payday loan lenders requirements.      


Make Your Life Easier with Payday Loan UK

  • Accessible

    Our online application form makes it easy to apply and gets approved by one of our lenders, no matter where you are.

  • Supportive Team

    Our experienced advisors are here to answer any questions and help ensure everything about your loan goes as smoothly as possible!

  • Secure & Convenient

    We prioritise security and convenience during the entire process. All data is stored safely and securely - no need to send any documents in the mail!

  • Flexible Repayment Terms

    We offer customizable repayment terms based on individual circumstances — so at any point, you can roll over or extend your loan without hassle or extra cost.

Online Payday Loans

Payday Loan UK offers professional, transparent and affordable payday loans. Sometimes, managing other bills can get difficult, leaving us facing the challenge of how you are going to pay. No matter what life throws at you, we can help you get through to the next paycheck.

You are not tied into any loan offer we provide, so don’t be afraid to look into our payday loans to find out more. If you’re not 100% happy with the terms of our small loans, you’re under no obligation to take one out.

  • Easy Lending

In all too many cases, borrowing money can feel like a minefield. We have built our website to be simple and easy to get an instant quote. We understand that when those unexpected bills come around, you don’t want to spend hours applying for a loan. Simply complete the online form, we will search for a suitable lender and upon acceptance of your loan offer you will receive your money.

  • Fast Payments

One of the main reasons that people apply for an online payday loan is because they need cash fast. If this is the case for you, don’t worry you’re in good hands. Simply apply online with Payday Loan UK. We ensure that upon approval your cash is transferred in to your account within 5 minutes.*

  • Emergency Loans

It doesn’t matter how well you plan your finances. Sometimes, emergency situations arise that just can’t wait weeks, or even days, for your payday to arrive.

Whether it’s a broken boiler, a problem with the car, or an urgent medical bill, there’s a lot that can suddenly go wrong. While we all like to hope that we’ll have enough funds to cover these nasty surprises, if you need a little help, our payday loans are here to cover you.

We are firm believers in the importance of fair, honest, and open transactions. That’s why we are fully compliant with all FCA rules and regulations.

Loan Guides

These guides will help you learn about the different types of loans available. is not a lender and does not make credit decisions. matches customer loan applications with lenders in a network based on the information you provide, in exchange for a commission paid by the lender for advertising services provided. We do not guarantee that you will be accepted by any lender or that you will be offered terms suitable for your financial requirements. Not all lenders will be able to provide amounts up to £5000. This website does not directly endorse any individual product or service. Any information on this website is opinion only. As a condition of extending credit, some lenders may make a credit check from a credit reference agency. Late repayment or missed payments may be subject to increased fees and/or interest rates.
*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 processes and procedures.
Warning: Late repayment can cause you serious money problems. For help, go to You can also get free debt advice by phone or chat at