Payday loans from £50 to £5000

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.

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.

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.

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.

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.

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.

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.

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. 

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.

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.

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.

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.