£400 Loans with an Instant Decision.

£50 to £5,000 paid out by 5:45pm *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 5:45pm 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.

£400 Loans Online

We work with a whole host of lenders that offer £400 loans. Complete our online applicaiton to get an instant decision.

There are times when we could all do with a little extra help. Payday loans are designed to provide you with the additional funds you need when an emergency happens. Instant decisions and fast payouts are available from lots of lenders.

A £400 loan could provide the extra funds you need to reach the end of the month without missing any payments. Flexible repayment terms allow you to design a £400 loan that perfectly suits your needs even if you have a low credit score.

We've helped out
thousands of people...

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

Apply Now

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

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

As a loan introducer, we compare offers from our industry-wide panel of lenders to make sure you get the best £400 loan for you. Lenders look at your circumstances, and we find the lowest interest rate available from our panel. The process of applying for a £400 loan is simple, secure and quick. The funds for £400 loans are often in your bank in less than 10 minutes*.

The whole application process is designed to be as quick and straightforward as possible. You can apply on any device, including your smartphone. There is no additional paperwork, and you will get an instant decision. We process more than 4500 applications every day^ and have a 95% accept rate.

When you apply, our lenders perform a soft credit check so that it won’t affect your credit rating. If you accept a loan offer, the lender is required by the FCA to perform a full credit check. However, if you already know you’re going to be accepted, it won’t impact your credit score. If you make all the repayments on time, it will improve your credit score.