Doorstep Loans Alternative.

£50 to £5,000 paid out by *

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Instant quote with no credit check and no fees.

Small loans can be sent by 11:21pm 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

Alternatives to Doorstep Loans

While doorestep loans were very popular in years gone by, the emergence of online loans has seen the need for such loans reduce. At Payday UK, we work with lots of lenders who offer flexible repayment options.

We offer our customers the ability to apply for the modern equivalent of a doorstep loan. The good news is you are no longer expected to have a stranger in your home to assess whether you should be accepted or not.

Simply apply through Payday UK and get access to the funds you need within 10 minutes* through our panel of over 50 lenders. If you need a bad credit loan, don’t worry, we can still help.

We've helped out
thousands of people...

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

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How much do you need?

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Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

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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

Doorstep loans are the natural ancestor of payday loans. They provide quick access to additional funds when you need it. However, while there are still a few companies that offer doorstep loans in the UK, most people do not want a loan collector knocking on their front door every week or month. Modern technology has largely eliminated the need for doorstep loans. The ability to apply easily online, get an instant decision, have money transferred to your bank account, and set up the repayments, has provided a smoother experience for people that might have traditionally turned to a doorstep loan.

No. Traditional doorstep loan companies did, but you can complete the whole process online with Payday UK. Everything we do is digital. Payday loans go from start to finish without anyone having to visit your home or needing a meeting with you. Cash is becoming less commonly used each year. It’s expensive to pay cash into a bank, withdraw it, and cash has no built-in security. If you lose your money or are robbed, it’s gone.

Yes. The modern equivalent of a doorstep loan is easy to apply for online. You can apply on your smartphone or other digital devices. You will get an instant decision, and if approved, will be shown the loan offer with the lowest rate of interest available for your situation. Payday UK have streamlined the whole process. Your application will instantly be considered by our panel of direct lenders. This might sound longwinded, but it’s all automated and instant.

Traditionally doorstep loans were repaid using cash. However, new loans are paid by direct debit. This is because technology has made our finances much more accessible and partly because a direct debit is a safer way for both parties. It eliminates the need to have a man or woman walking the streets with large amounts of cash, and the consumer doesn’t need to mess about withdrawing money.

Whatever type of loan you have, whether it’s a doorstep or payday loan, you should always check the company is regulated by the FCA (Financial Conduct Authority). Digital brokers are safer because they are easier to track, so are less likely to be offering a loan service under false pretences. However, some of the remaining doorstep loan companies are genuine, but handing over cash on your doorstep can be more susceptible to fraud.