Payday Loans With Guaranteed Instant Decision.

£50 to £5,000 paid out by *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 9:21pm 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 maximum 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 is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.

We offer loans between £50 and £5000 over a 3-month to 36-month term.

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

Guaranteed Payday Loans

We guarantee that we will do all we can to find the right payday loan for you.

While there is no such thing as a guaranteed payday loan, Payday UK works with a large panel of lenders that can help people who may be struggling to find a loan. We have an acceptance rating of 95% and process over 4,500 loans^ every day. The size of our industry-leading panel of lenders means we can provide one of the highest chances of being accepted for a loan.

We are committed to providing a user-friendly and transparent service. You can complete the whole process online without the need for any additional paperwork or meetings. We understand that people searching for a guaranteed payday loan could be in a challenging situation, so have worked hard to streamline the process, so it’s as straightforward as possible.

We've helped out
thousands of people...

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

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

Unfortunately, there are no guaranteed payday loans. We also get asked if we can provide guaranteed payday loans with no credit check or for people with bad credit. We can’t guarantee you’ll be accepted. However, you can increase the likelihood you’ll be accepted by applying through Payday UK. We only show you a loan offer that you meet the criteria for, so your chance of being approved is far higher than merely applying directly through a website without any checks first.

Payday UK has built a wide-ranging panel of lenders to maximise the likelihood of being approved. Some of the lenders on our panel specialise in bad credit payday loans, short term loans, or loans for more significant amounts. With an acceptance rating of 95%, there are very few people we can’t help find a suitable loan, regardless of their situation.

You can apply for a loan through Payday UK without a full credit check being performed. Lenders carry out a soft credit check, which leaves no trace on your credit report and won’t affect any future lending decisions. A full credit check is only performed after you have accepted a loan offer. This is because the FCA (The Financial Conduct Authority) regulations make it compulsory for all reputable payday loan lenders before they can release any funds.

The answer to this question is different for every applicant. We all have a unique set of circumstances. The best lender for you will be the one that offers the lowest interest rate for your situation. However, this can change from month to month. This is one of the reasons we use such a large pool of lenders, to maximise the chance of approval for everyone that’s trying to access some extra cash.

Yes. We specialise in helping people with a poor credit rating. If you’ve been denied elsewhere, we may be able to offer you a solution through one of our lender partners. If you complete our application process, we will give you an instant decision on your eligibility, and it won’t harm your credit rating.