Loans for 18 Year Olds.

£50 to £5,000 paid out by 4:30pm *

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Instant quote with no credit check and no fees.

Small loans can be sent by 4:30pm 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.

First time loans for 18 year olds.

If you are 18 years old, you will have a very limited credit history. Many lenders will consider young peple a risk. At Payday UK, we can stll help you find the loan you need.

When you turn 18, you’re legally recognised as an adult. This opens the worlds of voting, alcohol, and personal finance. However, at 18, your income can be unstable, you’ll probably have no meaningful credit record, and you might not be on the electoral register yet.

This all makes you a higher risk to a traditional loan company and makes it more likely you’ll be denied credit, which turns no credit history into worse credit history. There are ways you can start building your credit score to make future borrowing easier.

We've helped out
thousands of people...

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

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How much do you need?

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

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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.*

More questions? We've got you covered

Yes. Looking for a loan for 18-year olds can be tricky. At 18 there is a good chance you will have little or no credit history. This can put some lenders off approving you, and the loans most traditional lenders offer start at large amounts. A small short-term loan for an 18-year old can be the ideal way to start building your credit history over a short time.

Greater Thing’s panel of lenders specialises in providing loans to people in stressful situations. Whether you have bad credit, no credit, or don’t tick all the boxes required for a traditional lender, we can typically help.

No. Many lenders view 18-year olds as too high risk to lend to. This can create a catch-22 situation for younger people. Companies effectively say, ‘Go away, come back when you have a proven track record.’ However, if everyone said this, it would be impossible for even the most financially astute young person to secure a loan and gain the experience.

This is why many young lenders use short term loans for a small amount, sometimes repeatedly, to build their credit score. It provides a route to a better credit rating that allows them to prove they can manage their finances and will pay what they owe on time. With each successful loan or line of credit that appears on your credit report, you become less of a risk to future lenders.

Yes. Having no credit history shouldn’t exclude you from the loan market; otherwise, how would you ever start to build a credit history.

The best loan for each person will depend on various factors. When you use our service, we will compare our industry-leading lenders to bring you the best loan available to you at that time. This gives you peace of mind knowing you’re getting the best deal, as well as saving you lots of time.

You can apply for loans starting from £50 up to £5000. You can choose a repayment term to suit your circumstances. We offer repayment terms between 3 and 36 months. People only borrowing a small amount, such as a short term loan for an 18-year old, generally, choose a shorter repayment period to minimise the interest they are charged.