Payday Loans
with Soft Credit Check Quote.

£50 to £5,000 loans available today

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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 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

No Credit Check Payday Loans Don’t Exist

At Payday UK, we only introduce to lenders who are authorised and regulated by the FCA (The Financial Conduct Authority).

Many people that have had financial problems in the past think no credit check payday loans will be the answer to all their problems. However, while you can apply for a payday loan without performing a full credit check, lenders have to perform at least a ‘soft search’ when initially assessing your application.

After a direct lender has provisionally accepted your application, they are required to perform a full credit check. This is a compulsory requirement of the FCA (Financial Conduct Authority). These checks enable the lenders to make sure you meet their requirements and can afford to repay the loan.

We've helped out
thousands of people...

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

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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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Responsible Decisions from Responsible Lenders

To make sure you are able to meet the repayments for your loan, please provide accurate information in your application.

The soft credit check that is performed when you initially apply will not harm your credit score in any way. Only you can see it when you view your full credit report, and it will not show up on your credit report if any future lenders look at it.

This means that when you apply for a loan via Payday UK, you can be sure in the knowledge that your credit score is protected and that you can check your eligibility for a loan in confidence.

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

You can apply for a payday loan via Payday UK without doing any harm to your credit score. This is because initially only a soft credit check is used to gauge which payday loan lenders criteria you meet. However, no official direct lender that’s regulated by the FCA (Financial Conduct Authority) can release any funds to you without performing a full credit check. If someone is offering you an instant payday loan with no credit check, there they are either misleading you or unregistered. We would always advise applicants not to borrow money from a source that might not be genuine.

The FCA put guidelines and regulations in place to protect you, the consumer. This is partly because of the bad reputation payday loans earned when they were still in their infancy. Thankfully, the days of ridiculous APR rates, hidden fees and charges, and aggressive tactics are all behind the industry. When you use Payday UK to apply for a payday loan, you’ll know you are only dealing with reputable and responsible lenders.

Access a large panel of lenders to ensure who can help the maximum number of applicants find access to credit. While you might not be able to accept a payday loan with no credit check, you can apply without damaging your credit score. When you complete the straightforward and fast online application, we’ll check your circumstances against a panel of lenders. This happens automatically and instantly.

The best payday lender for you might be different next week to this week. That’s because the payday loan market has grown in popularity, and many lenders are competing for your business. This leads to special offers and interest rates being changed regularly. Our diverse panel of lenders means even those with bad credit are likely to have several loan offers.

The question isn’t whether you’re eligible for a payday loan, but instead, what direct lender is best suited to my circumstances. There are very few people Payday UK is unable to find a loan offer for, and our large panel of lenders, including several specialist lenders, maximises your chances of being successful.

To find out if you’re eligible, and what the best deal is for you, complete our user-friendly online form. We’ll do all the legwork, so you don’t have to, and even provide you with an instant decision.

A soft credit search, which is sometimes referred to as a smart credit search, is a way for lenders to check your eligibility without harming your credit score. In the past, when people applied for no credit check payday loans, they might be tempted to apply for the one with the lowest rate of interest or the most favourable terms. However, if the lender rejected their application, it would show up on their credit report. If you then want to approach another lender, they will see that you’ve already been denied by a different lender, reducing the likelihood of them offering you a loan. This compounds the problem because your credit file now has two recent rejections on it.

Your basic personal details will usually be required to perform a soft search — things like your name, address, date of birth, and your employment situation. When a soft search is completed with a credit agency, they provide a credit score that lenders can use to assess the likelihood you’ll be accepted for different products. This allows us to filter out the loan offers you stand very little chance of being approved for, and instead show you the best one from a lender that is the most likely to accept you.

Soft credit checks are recorded on your credit report, but lenders performing any sort of credit check on you cannot see them. It doesn’t matter how many are performed, or how frequently, they will not affect your credit score or future decisions.

No. Applying for a payday loan will not show on your credit report. However, if you accept a loan offer, a full credit check will be performed, and that will show. The beauty of performing a soft credit search during the application process is that you will already know you have an excellent chance of being accepted before accepting a loan offer. This means the most likely outcome is that a lender will perform a full credit check then release the funds to you.

If you stick to the agreed schedule of repayments, the loan will only improve your credit score. However, if you fail to make the repayments on time or default on the loan, it will harm your credit score.