Payday loans from
£50 to £5000

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Online Loans
make sense

Instant quote with a soft credit check and no fees.

Small loans can be sent the same day.

Over 7500 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 maximum 1721% 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 is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender. PaydayUK provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. If you accept a lender’s loan offer, they will perform a hard credit search. PaydayUK and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan.

Loans between £50 and £5000 over a 3-month to 36-month term.

Warning: Late repayment can cause you serious money problems. For help, go to

How it Works

We know you need your money as soon as possible. That’s why we have designed our website to be fast and simple.

Apply Online

Fill out our short, secure form and search an 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

Once accepted, your money can often be paid into your account the same day.

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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.
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Who are Payday UK

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

We are a well-established company and help thousands of people every day to find small loans for a wide range of reasons. In fact, on average we help over 4000 people a day! Our simple application form makes it easy to find a loan from an industry-leading panel of lenders, saving you time and making your life easier. Find loans that make sense.

Get Your Quote No obligation, 100% secure.

We've helped out
thousands of people...

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

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

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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 our website as straightforward as possible and back it 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 via Payday UK is carried out online. It’s fast and straightforward, and once accepted many lenders will you’ll usually have the money transferred to your bank account the same day.

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 payday 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 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, including applying for payday loans online. 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 lender panel only includes regulated reputable direct 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 payday loan 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 payday loan companies that’s offering the best interest rate and most preferable terms. The terms each payday 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 payday loan 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 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 to get a payday loan online, but we have no control over your bank’s internal systems, so quote this time to be on the safe side.