Cash Loans with an Instant Decision.

£50 to £5,000 loans available today

How much do you need?

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 full authorised 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

Online Cash Loans from UK Lenders

At Payday UK, we work with a broker with a panel of UK lenders who specialise in providing quick cash loans.

We appreciate that people looking for quick access to cash loans are probably in a stressful situation and need the money in their bank as quickly as possible. Our system guarantees to find you the best deal in the shortest time from our brokers panel of lenders, even if you’re applying for a cash loan with bad credit.

At Payday UK, everything is designed to get you a cash loan quickly and easily. Our user-friendly application process can be completed online, even using your smartphone. There is no additional paperwork or letters.

We've helped out
thousands of people...

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

Apply Now

How much do you need?

Will I be Approved?

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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Powered by Flux Funding

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. Cash loans can be received on the same day you apply, often in a matter of minutes. When you apply via Payday UK, you’ll get an instant decision. If you then accept a loan offer the money is transferred to you straight away. The only thing beyond our control is your bank’s systems. These can vary the time a little, but even the slow ones are quite quick. The funds can be in your account on the same day.

No. Cash loans like this are mostly payday loans. The name comes from the small nature of original payday loans, which were often treated more like a sub from an employer than a traditional loan. However, many direct lenders offer a range of payment terms for cash loans from 3 to 36 months. Smaller loans are usually repaid over a shorter period, while cash loans for higher amounts are typically repaid over a more extended period.

Simply select the amount of your cash loan and your preferred repayment period when applying.

Yes. Our system automatically offers you the best deal available for your circumstances. We have a market-leading panel of lenders via our broker partner, so the offer you get will be the best from an extensive range of cash loans. All our lenders are reputable companies and regulated by the FCA (Financial Conduct Authority). This means they will always act ethically and abide by the FCA’s rules.

Payday UK do not perform a credit check when you apply for a loan. Our brokers lenders use something called a soft check. This doesn’t show up on your credit report and won’t affect your score. If you decide to accept a loan offer, the direct lender is required by the FCA to perform a full credit check before releasing any funds, but by this point, you will already know you meet their criteria. If a full credit check is performed, the loan granted, then all the repayments are made, it should only have a positive impact on your credit score.

You can apply for cash loans from £50 to £5000. You can borrow any amount between these figures using Payday UK. Using our service is free, and Payday UK won’t charge you any fees.