Instant Payday Loans.

£50 to £5,000 paid out by 2:11am *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 2:11am 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.

Instant Payday Loans

At Payday UK, our panel of lenders can provide you with an instant decision on your payday loan application.

When your household budget is tight, a single unexpected bill can leave you feeling stranded. An instant payday loan can offer you an ideal short-term solution so you can keep your head above water. Many payday loan applicants have a poor credit history or need money quickly because of an emergency. These factors only increase the importance of providing them with fast access to extra funds.

The speedy nature of this type of instant payday loan is one of the reasons they have grown enormously in popularity in recent years.

This is usually caused by an unexpected expense that is going to cause them short-term financial difficulty. People use instant payday loans for a wide range of reasons, but some of the most common include an unexpected car repair, a boiler breakdown or household repair, or a vet or medical bill that comes out of the blue.

Most people applying for an instant payday loan are doing so because they are in a stressful situation.

We've helped out
thousands of people...

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

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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

Payday Loans in an Instant

If you are looking to borrow money quickly, you are in the right place. Just complete our quick application to get started.

Payday UK can provide access to a variety of loan amounts with various repayment terms. We find short term loans for any amount from £50 to £5,000. You can apply to repay your loan over any period from 3 months to 36 months.

This level of flexibility allows you to tailor your instant payday loan to your situation. People that borrow smaller amounts will usually choose to repay the loan over a shorter period to minimise the overall cost. The lengthier repayment periods are more commonly selected by people that are borrowing a more significant amount.

When you apply for an instant payday loan, lenders only perform a soft credit search. This will not show up on your credit report if other lenders look at it in the future, so you can safely apply without affecting your credit score. However, if you accept a loan offer, all our direct lenders are required by the FCA (The Financial Conduct Authority) to perform a full credit check before releasing any funds.

At this point, you will already have accepted the loan offer and know you meet the lender’s criteria, so a rejection that could potentially harm your credit rating is highly unlikely.

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

Complete our quick and user-friendly application process on your computer, smartphone or tablet. You will get an instant decision and be shown the best instant payday loan for your circumstances. If you accept the offer, the money will be transferred to your bank account virtually straight away. Most applicants have their funds within 10 minutes*.

You will get a decision immediately after you submit your application for an instant payday loan. We have automated our system so it can perform all the comparisons, checks, and processes instantly. This is excellent news for our customers, as they immediately know whether they are eligible, and if they are, what the best loan offer is for them.

When you use Payday UK, you will typically receive your funds within 10 minutes*. Many applicants receive their funds in less time than this, but we quote 10 minutes* as the expected time to allow for the banks that have slower internal systems, which are unfortunately beyond our control. However, every aspect of the process at our end has been refined and simplified. This provides you with the quickest possible access to the best cash loanfor your situation.

We have made sure the whole process can be completed online. This removes the need for any paperwork or meetings that can cause the application process to become drawn out. All the direct lenders on our panel have worked hard to simplify their operations. You can even complete your application using your smartphone or tablet and still enjoy the same user-friendly experience as on our full website. All this effort means you receive an instant decision to your application and can get the funds transferred to your bank as soon as you accept a loan offer.

There are several specialised companies amongst our panel of more than fifty lenders. Many of these lenders are better suited to providing credit to people with a specific set of circumstances, including having a low credit score. We purposely selected a wide variety of lenders to allow us to grant the highest percentage of applicants’ access to an instant payday loan. Applying for an instant payday loan can be completed online using your computer, smartphone or tablet.

Because lenders will only initially perform a soft credit search, simply applying won’t harm your credit score or be visible to other companies that look at your credit report in the future. There is a lot of competition between companies for your business, even when you’re applying for an instant payday loan with bad credit.

This is partly because the popularity of payday loans has grown immensely in recent years, so an increased number of lenders are now offering this type of instant payday loan. This is good news for consumers, especially those with a poor credit score.

Payday loans usually have a higher APR rate. Although they can appear very high upon first inspection, it isn’t as bad as it first seems. Most payday loans are for small amounts over a short period. This gives the lender a tiny window to make a profit. The higher APR rate is often a reflection of the short term of the loan, but some lenders don’t charge interest on the smaller loans. They will instead agree a fixed fee with the customer. All our lenders are registered with the FCA (Financial Conduct Authority) and abide by their ethical code and conduct and any regulations they set out.