Payday Loan Direct Lenders.

£50 to £5,000 paid out by 4:11am *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 4:11am 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.

Payday Loans from Direct Lenders

At Payday UK, we have an industry-leading panel of direct payday lenders. This allows us to search amongst the UK’s best lenders to get you the best deal we can.

Direct lenders are the people that you agree to a payday loan deal. It is their money you are borrowing. A lot of payday loan direct lenders specialise in small short term loans, which can be ideal when you’re suddenly faced with an unexpected bill or family emergency.

Customers that successfully use payday loans understand the nature of them. They provide a short-term fix and are not suitable for more significant financial difficulties. Despite the name, payday loans don’t always have to be repaid on your next payday.

You can borrow a variety of amounts over several different terms. This flexibility allows you to tailor a loan to your exact requirements. Payday UK provide access to loans from payday loan direct lenders for £50 to £5000, and you can select a repayment term starting from 3 months and going up to 36 months.

The shorter repayment periods are typically chosen by customers that are borrowing a small amount of cash. Customers that are lending a higher amount will usually choose a more extended repayment period to make the repayments more affordable.

We've helped out
thousands of people...

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

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

Lots of Loans from Lots of Payday Loan Direct Lenders

We believe that it is important to get the best loan deal possible. Applying with lots of lenders can take a lot of time and effort, but we do it all for you.

Payday UK are committed to providing as many people as possible with access to transparent payday loans. We never charge applicants a fee for using our service. We also solve some of the common problems people experience when trying to find a suitable loan in an emergency. We dramatically slash the time needed to find the best loan for you.

A payday loan also does away with the need for additional paperwork or a meeting, as the whole process can be carried out online. Comparing loans by hand can be time-consuming and tedious, but our system automatically compares a panel of direct lenders to find the best deal for you.

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

This question can have various answers depending on your unique circumstances. The best direct lender for one person might not suit another. To go to even a handful of direct lenders manually and compare the deals they offer would be very time-consuming.

That’s why we instantly compare your circumstances to the criteria of a range of direct lenders. We then select the direct lender that’s offering you the best deal. Using Payday UK not only saves you time but knowing you’re getting the best deal for you could also save you money.

Looking at payday loans from direct lenders reduces the likelihood that you’ll be accepted or get the best deal. A single direct lender only has its criteria. If you don’t match their requirements, you’ll be rejected. They also only have their products to offer you when there could be a loan better suited to the circumstances.

Payday UK is a broker. Although you’ll still only fill in a single and straightforward application, it will compare your circumstances to the criteria of over fifty lenders. This dramatically improves your chance of being successful. It also means you’re much more likely to find the best deal available for you. You may be more likely to be successful with a broker if you have bad credit.

Your best chance of getting your application approved is to use a broker that compares dozens of direct lenders to bring you the best deal. Our panel of direct lenders features many companies that specialise in certain types of loans, such as small or short term loans and even direct lender payday loans for people with bad credit.

The best lender for you will depend on your unique situation, and the amount and term of the loan you are applying for. However, when you use Payday UK, you know you’re maximising your chance of being approved and getting the best deal for you.

A list of the best payday lenders wouldn’t remain static. Any reputable direct lender that is regulated by the FCA (Financial Conduct Authority) will provide a certain level of service. However, the direct lender payday loans market has become increasingly popular in recent years. This increase in demand has led to far more companies offering short-term payday loans. This is great for consumers, as the various direct lenders compete for your business, which is more likely to lead to exclusive deals and lower APR rates.

This is one of the many reasons why you’re better off using a broker that instantly tracks down the best deal for you, saving you time and money. We do the legwork for you.

No. Payday UK is a broker that provides you with free access to a panel of direct lenders. We have designed our service to offer payday loans to as many people as possible.

Several direct lenders can help people with bad credit get a payday loan. Which one of these is offering the best deal for your circumstances can change regularly. Our system automatically sees what deal each of them can provide you with, and then shows you the best deal for you.

Applying with Payday UK will not affect your credit rating. When you initially apply, lenders only perform a soft credit check, which leaves no mark on your credit report. If you accept a loan offer from a direct lender, then they are required by the FCA (Financial Conduct Authority) to perform a full credit check before releasing any funds. However, at this stage, you will already know you meet their criteria and have been approved.

If you apply for a loan, are accepted, then make all the repayments on time, it should improve your credit score. Failure to stick to the agreed repayments could harm your credit score. You must contact your direct lender as soon as you realise you might have a problem making a payment. It is much easier, and usually cheaper, to work with a lender to resolve an issue, rather than ignoring them.

A direct lender is a term used for the lender that grants you the loan. Some of these direct lenders specialise in providing payday loans. A direct lender for a payday loan is the same as a direct lender for a traditional loan. The difference is that a lot more people access payday loans through brokers so that they can be guaranteed a higher chance of acceptance and get the best deal. This increased percentage of people that use brokers, such as Payday UK, is probably the main reason such a distinction is made.

Yes. Direct lenders have worked hard to streamline the process required to get you a payday loan. Payday UK also regularly refine our systems to ensure it’s providing you with the quickest access to the funds you need. This is an essential aspect of payday loans. Most people that apply for a payday loan are in a stressful situation.

Whether it’s because of a family emergency or an unexpected bill, it can be critical they have access to the funds as soon as possible. Most payday loans can be in your bank in 10 minutes* or less.

All reputable ones are. Being registered with the FCA (Financial Conduct Authority) is a legal requirement for all direct lenders. They are required to abide by certain standards of transparency and ethical business practice. Any lender that tells you they don’t need to perform a credit check to approve your loan might not be registered, as the FCA requires all direct lenders to perform a full credit check before releasing funds, so they are either misleading you or not registered. Either way, we would be wary of using them.
Our whole panel of direct payday lenders are registered with the FCA. Greater things only deal with reputable direct lenders.

We use the latest security and safety measures to ensure your data is secure. Applying using a smartphone or tablet with the manufacturers latest software installed also provides an extra layer of security. The most significant risk to most people is if they are accessing the Internet through an unsecured Wi-Fi connection. We always recommend people who are applying on a portable device only do so through a secure Wi-Fi connection, such as at home or using the cellular network.

At Payday UK, we endeavour to provide the best service we can. Using our service provides you with peace of mind. You know the process will be quick, simple, and secure.