Loans for 18 Year Olds.

£50 to £5,000 loans available today

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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

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 still help to introduce you to 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...

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

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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.

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.

Our brokers 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, our broker 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.