Payday loans from
£50 to £5000

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 5:00pm today.*

Over 4500 no obligation quotes processed every single day!^

Representative APR 91%.

Representative Example: Borrow £500 for 6 months. Interest: £160.27 - Interest rate: 65% per annum (fixed). Representative APR: 91% - Total amount payable: £660.27. Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Payday UK is a registered trading name Payday Loans Ltd who are an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.


Warning: Payday loans should not be used as a long term financial solution. Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

How it Works

We know you need your money as soon as possible. That’s why we do everything we can to make the process fast and simple.

Apply Online

Fill out our short, secure form and search our industry-leading panel of lenders to find your loan.

Check Your Offer

Once you have your offer from the lender, you can review the offer and get your cash.

Get Your Money

Your money can often be paid into your account within just 10 minutes.*

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Reasons to use
Payday UK

  • No hidden costs or fees
  • No paperwork
  • Confidential & secure
  • High approval rates
  • Loans tailored to you
  • No obligation to accept
Get Your Quote No obligation, 100% secure.
Apply on Phone

Who are Payday UK

We get it. As an online loan broker we need to work hard to earn your trust! Here’s some information about us.

We are a well-established finance company and help thousands of people every day to find small loans for a wide range of reasons. In fact, our technology processes over 4500 loan quotes every day^. Our simple application process makes it easy to find a loan from our industry-leading panel of lenders, saving you time and making your life easier. Our loans make sense.

You can rest assured we are fully authorised by the Financial Conduct Authority and we are registered with the Information Commissioners Office, ensuring you receive a fair service and your data is safe.

Get Your Quote No obligation, 100% secure.

We've helped out
thousands of people...

£600 for Elizabeth in Lockerbie
£400 for Anthony in London
£100 for Harley in Folkestone
£300 for Michael in Stirlingshire
£500 for Chanelle in Bradford
£400 for Louis in Folkestone
£50 for Neil in York
£1000 for George in Bromley
£200 for Michael in London
£300 for Judy in Islington
£500 for Anna in Launceston
£300 for Mark in Guildford
£300 for Glen in Dereham
£500 for Stuart in Worthing
£1000 for Martin in Lincolnshire
£200 for Bartosz in Yeovil
£2000 for Mohammed in Smethwick
£300 for Hanif in Birmingham
£200 for Natalie in Lincolnshire
£250 for Louisa in Croydon
£1500 for Mary in Motherwell
£300 for Anish in Essex
£200 for Vincent in Southport
£1500 for Samuel in Harrogate
£400 for Jessica in Huddersfield
£200 for Carly in Manchester
£1000 for Rashid in Manchester
£350 for Danielle in Bradford
£200 for Jane in Culross

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How much do you need?

Will I be Approved?

Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

Check Eligibility

Payday Loans Online

At Payday UK, we dedicate our efforts to providing a transparent and user-friendly service. If you’re suddenly faced with an unexpected bill because of an appliance or boiler breaking down, your car failing, or a family emergency, we can help.

Keeping the process simple

We have tried to keep all our processes as straightforward as possible and back them up with a knowledgeable and efficient customer service team. Although the reasons for applying for a payday loan are wide and varied, they are nearly always time-sensitive. Direct lenders understand this. They have made the process from acceptance to receiving your money as streamlined as they can.

Getting your money quickly

A payday loan helps you to deal with something urgent without dipping into money earmarked for other bills. Applying for a payday loan with Payday UK is carried out online. It’s fast and straightforward, and you’ll usually have the money in your bank account within 10 minutes*.

Loans for Life’s Emergencies

A payday loan or short term loan can be particularly useful when faced with an unexpected expense that can’t wait.

Some people can be put off using payday loans because of the high APR rates quoted. However, this is because the loans are generally over a short period, providing a direct lender with a narrow window for interest to be accumulated. Since the FCA introduced a cap on interest rates and the number of times a loan can be rolled over, all lenders now adhere to these fair lending rules.

If you’re unsure of any aspect of your loan, please read the relevant information in your agreement, as lenders are required to be transparent about any interest or charges they are going to apply. Remember, you are under no obligation to accept any offer that a lender makes to you and you should never pay any fees for a loan.

More questions? We've got you covered

If you want to clear your loan in full on your next payday, you can. However, the term for a payday loan is usually 3-months or more. The term payday loan shows the origins of this type of credit, which was when employees would sub money from their wages in advance. However, this was often insufficient and left their pay packet too lite the following month, so payday loans with slightly longer repayment periods make borrowing a small amount more manageable for most people.

How long you repay the loan over will depend on the repayment period you select when applying. People usually try to pay the loan off as soon as they can, without causing them more financial difficulty. This means shorter loans are often taken over a shorter period, while larger loans are more likely to be taken with a longer repayment period.

Smartphones are one of the largest growing sectors for carrying out many tasks. Over the past decade, they have grown increasingly capable, secure, and user-friendly. You can complete the Payday UK application process on your smartphone. Our website is even designed to ensure it’s as easy to use on a mobile device as it is on a tablet or computer.

All reputable payday loan lenders are now regulated by the FCA (Financial Conduct Authority), which provides rules, regulation, and guidelines they must follow to stay compliant. They must be upfront about all interest and charges that will be applied to your loan. With an increasing number of customers turning to this type of borrowing to help with short-term financial difficulty, it’s not surprising the FCA felt the need to act. Our panel only includes regulated reputable lenders.

The APR rates for Payday Loans are high, but this is often a reflection of the short-term nature of the loan. The FCA regulation also means all lenders must include their rates on advertising, which has led to increased competition between them, which can only be good news for the average borrower.

The FCA (Financial Conduct Authority) have been responsible for regulating payday loan lenders since 2014. Before the FCA started implementing specific guidelines for payday loans, all direct lenders were already required to hold a valid consumer credit licence. The FCA now issue these licences and consider irresponsible lending and unethical practices as part of the application process.

This means every lender on our panel has gone through the process of obtaining a licence. They are also compliant with all FCA regulations and guidelines. They have shown they offer products that are acceptable in an ethical way by the regulating authority. You can also view the privacy policy if you want extra peace of mind about how seriously we take the security of your personal data.

There is no such thing as the best payday lender, just the one that is best for you at any given time. In most cases, this will be the lender that’s offering the best interest rate and most preferable terms. The terms each lender offers, and their rates vary quite often. Some run special offers for payday loans or change their position permanently to remain competitive or attract new business. When you use Payday UK, you’ll know you’re being offered the best rate from our industry-leading panel of lenders, and that they are all registered and regulated by the FCA (Financial Conduct Authority). We’ll always try to match you with the best lender in our panel for your situation.

All direct lenders are required by the FCA (Financial Conduct Authority) to perform a full credit check before releasing any funds. However, applying with Payday UK won’t affect your credit score, as we only initially perform a soft search, which leaves no permanent mark. If you accept a loan offer, they will perform the full search, but you will already know you meet their criteria before it’s done.

If you apply for credit and are refused, it can be bad for your credit rating. However, a payday loan that is paid back according to the agreed terms will only improve your credit score. Because our application process only uses a soft search, there is no negative effect on your credit score. If you decide to accept a loan offer, you’ll already know you meet the lender’s criteria. If you fail to repay the loan according to the agreed terms, it can negatively affect your credit rating.

Payday loans are designed to provide small amounts of money to the maximum number of applicants. They are probably the type of credit you’re most likely to be accepted for. We process more than 4500 applications per day^ and have a 95% acceptance rate, so there are very few people we can’t help find a loan. We understand that you may have made mistakes in the past and that certain circumstances can lead to a poor credit rating. Because we provide access to one of the largest panels of lenders, you have the maximum chance of being successful. However, the only way to know for sure that you’re eligible is to complete the quick and straightforward application process.

Payday UK do not charge a fee for the use of our services. You should never pay an upfront fee for a loan.

Most people applying for payday loans need money quickly. This type of loan is designed to act as a short-term solution to unexpected financial difficulties, such as an unforeseen repair bill or family emergency. This generally means the people applying are in a stressful situation and need the money in order to resolve their problem. This means direct lenders have designed the process to be as quick as possible. This is partly to help the applicants, and partly because providing faster access to the borrowed money can be enough to win you a new customer. We quote a time of 10 minutes* as an average. It’s often quicker than this, but we have no control over your bank’s internal systems, so quote this time to be on the safe side.