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).

Are you worried about expensive loans? Is your current loan putting a strain on your finances? Or are you simply looking for a cheaper alternative?

If any of these sounds like you, then you're in luck. Here at Payday Loans UK, we specialize in finding our customers the cheapest loans possible. No matter your financial situation, we're confident we can save you money.

Whether you're looking for a short-term loan to cover unexpected expenses or a long-term loan to consolidate your debts, we can help. We work with a panel of lenders to find the best deals on loans, so you don't have to.

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Get Personal Loan With Easy Monthly Repayments

Offering you the flexibility to make monthly repayments that suit your budget, our personal loans give you the freedom to use the money how you want. We could help you spread the cost with our competitively-priced personal loan, whether for a holiday, home improvements or a new car.

  • Affordable, Quick Money Loan: If you need access to quick cash, then a Payday Loan could be the solution. We offer loans with affordable loan repayments, so you can spread the cost of borrowing over a period that suits you.
  • No Hidden Fees: There are no hidden fees with our loans. We make all our charges clear upfront, so you know exactly what you're paying before applying.
  • Cash Sent in 5 Minutes: We offer a fast and efficient service, with cash sent to your bank account in just 5 minutes after approval.
  • All Credit Types Considered: We consider all credit types, so even if you have a bad credit history, you could still be eligible for a loan.
  • Flexible Monthly Payment: We offer monthly payments option to suit your budget. You can repay your loan over 1, 12 or 36 months, making the repayments more manageable. You can return your loan early for secured loans.
  • Your Details Are 100% Secure: We take your security seriously, which is why we use the latest encryption technology to protect your details. We also have a dedicated team of fraud prevention experts who monitor applications 24/7.
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Can You Get A Loan With A Bad Credit Score?

Our network of lenders could help if you have a bad credit rating and need a loan. A poor credit report can make getting approved for a loan more difficult, but options are still available. Whether looking for short-term unsecured loans to cover unexpected expenses or a longer-term debt consolidation loan, our network of lenders could help you get the funds you need.

Though a good credit score will make the process quite easier. But for existing debts and good credit history, you can compare homeowner loan rates. Remember, each loan provider has different criteria for loan approval for a secured or unsecured loan, so it's important to compare your options before applying.

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What's The Interest Rate?

Ranging from 43.1% to 1333% APR, the interest rates on a direct debit loan can vary greatly. The minimum repayment period is 1 month, while the maximum is 36 months. For example, a £1,200 loan could have interest payments of 0.34% per day, amounting to £306 over a year (variable). Based on your personal circumstances, this would give a Representative annual percentage rate of 49.7% (variable).

How To Get Started?

You can start your unsecured or secured loan immediately with a fast approval process. To apply for a loan application, you need to:

  • First, fill out our easy and 100% secure online form.
  • Next, we'll review your application and connect you with one of our lenders.
  • Once approved, you can review your offer and loan repayment terms.
  • Finally, get your cash deposited into your bank account within 5 minutes.

Getting a loan has never been so easy. We're committed to providing you with the best possible service and getting you the cash you need fast. So, what are you waiting for? Get started today!


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