Doorstep Loans Alternative.

£50 to £5,000 loans available today

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Online Loans
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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

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, via our brokers panel of over lenders. If you need a bad credit loan, don’t worry, we can still help.

We've helped out
thousands of people...

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

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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

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 at 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 has streamlined the whole process. Your application will instantly be considered by our brokers 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.