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Instalment loans

Payday loans can be great for those who need to make up a small shortfall in their cash flow, but paying back that lump sum all at once might not be convenient for everyone.

With our instalment loans you can repay in one go, or you can spread the repayments equally over a maximum of 12 months, although borrowing for longer can be more expensive.

We don’t charge any early repayment fees; all you pay for the loan is your agreed interest. In fact, you can reduce the amount of interest you pay if you decide to pay back early.

When is your next payday?

You will only be charged interest up until your next payday when your loan is due to be repaid

Borrow: + days x interest per day = total to repay

Repayment Summary

Please ensure you can afford each of the repayments before applying

Amount borrowed: £
Length of borrowing: Time
First repayment date: Date
Each instalment amount: £
Total repayable: £

*Calculation is for illustrative purposes only. The actual cost and repayment summary may vary based on affordability and pay dates.

Flexible instalment loans

At Payday UK we offer instalment loans from £100 to £2,0003, with the option to repay your loan between 1 to 12 months. 

If you think an instalment loan from Payday UK is the right choice for you click here to start your application

Applying for an instalment loan 

To apply for an instalment loan with Payday UK you need to be over 18 years old, be in permanent employment, receiving a pension or disability benefit/living allowance and receiving more than £417 after tax per month. We require you to have a bank account with a valid debit card and you must meet our credit criteria and affordability assessment.

Representative Example: £300 borrowed for 3 months. Annual interest rate of 292% (fixed). Total amount repayable is £490.17 in 3 monthly instalments of £163.39. Representative 1190% APR.

Warning: Late repayment can cause you serious money problems. For help, go to

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