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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).

It is challenging to find the best loan plan if you are suddenly stuck in an emergency financial condition. The market is full of such loan plans with good interest rates, but you are not confident whether they are reliable or not.

At Payday Loans UK, we offer short-term loans with a flexible monthly repayments plan. We don't guarantee to give the best APR loan, but you can get an affordable loan plan according to your requirements. You can get a loan even if you have a bad credit history.

This article will give you every detail about the best payday loan APR and how you can get this. We are hopeful to give complete information and guidance to our users and help them find the best APR loan for them.

What is the Meaning of APR?

APR means the annual percentage rate, like the official rate used to help you consider the total cost of your borrowing. It is the sum of all charges, including the interest rate and other additional charges. Every money lender must inform their users about the APR to compare it with other loan plans.

It is worth mentioning that APR only means the compulsory charges. Late payment charges are not included in this. It is just the percentage of the money that you are borrowing. Low APR means a cheaper loan. For example, APR with 19% is cheaper than the APR with 20% changes.

How Can I Find the Best APR Loan in the UK?

Many personal loan plans are available in the market. It is up to you to find their credibility. You should take care of the following factors before applying for the APR loan.

1- For What Reason Do You Want Loan?

It is worth noting. You have to decide what amount of money you require for a loan. If you want short-term personal loans, you can also take an unsecured loan, but it is risky. But, if you want a long-term personal loan, you can take the secured loan type, In which you have to keep something like the security. The market is full of such personal loans or secured loans.

If you have decided the amount of money and tell the credit broker about your money requirement, it will be easy to find the best APR loan with the best interest rate for you. You can also use the tool for a loan money calculator to estimate the loan amount. It will also make you clear about the monthly repayments. Credit brokers try their best to find a good moneylender for the applicants.

2- Check Your Credit Score

A better credit score means more chances of getting the perfect loan plan. As lenders don't want to take risks with their money, they prefer people with a good credit score. However, they have also loan plans for people with bad credit. You should try your best to keep your credit score high, and you can take care of the following points to improve your credit.

  • Register yourself on the credit roll
  • Update your address on the bills
  • Avoid changing jobs or moving house too often
  • Pay your credit accounts and all bills on time
  • You should keep a large time between credit applications.

If you improve your credit check, you may notice that loan givers will offer you the best APR loan. So, it is wise advice to improve your credit before applying for the APR.

3- Use Soft Searching

Don't think about applying for the APR loans at once. Doublethink about the soft searching before applying for the loan. It will protect you from trouble and from unsecured loans, and you will be able to find the best payday loan APR without risking your credit. If you apply for maximum loans, your credit always remains at risk, so avoid applying at multiple sites.

Search For the Best APR Loan

You should not apply on the loan early you see. Rather you should take time in exploring the best payday loan APR. Different lenders have different loan requirements. Don't only look at the loan rates but also at the transparency, FCA authorization, and flexibility of the loan.

We give you advice that if you don't need the amount, never apply for the unsecured personal loan. It can put you in financial difficulty. You can use other options like borrowing money from friends, applying with credit unions, or usage of savings.

What Other Factors Should I Consider Before Applying for the APR Loan?

You should also look at the other important factors like

1. Short-Term vs Long-Term

One of the best important factors to take into consideration. You have to estimate the loan amount and then decide whether you need a long-term or short-term loan. Short-term personal loans are best for use.

2. Amount

The loan amount also plays an important role. Taking care of the amount you require for the loan can give you a better insight into the loan plan. In addition, you can also estimate the repayment by noticing the money. Be sure to check our loan term and the amount you want to take.

3. Eligibility

It is an essential factor. You should look at the terms and the application process and think about whether you are eligible for the loan or not. It can save you from damaging your credit. In addition, also take care of the interest rate of the loan. You can get the best personal loan by meeting affordability checks.

Try Payday Loans UK

At Payday Loans UK, we try our best to find the best pay day loan APR for you. If you are comfortable with the loan amount and the repayment plan, you can apply for the best APR loan at Payday Loans UK. Just click on the "apply now" and fill the application. If you correctly fill in all the details and our lenders find you eligible for the loan, there are maximum chances that you will get the loan amount. After the approval of the application from our money lenders, money will be directly transferred to your bank account.

It only takes just 24 hours to send money to your account. Your bank can take further time for the incoming payment amount.


Other articles: 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