Instalment Loans.

£50 to £5,000 paid out by 1:31am *

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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.

Bad Credit Instalment Loans

Instalment loans are really useful to help you budget your repayments. A longer term will keep the repayments lower, but be aware you will pay more interest.

An instalment loan is any loan you repay in instalments. Most payday lenders offer instalment loans in the UK. Traditional loans are also instalment loans, but their payments are usually spread over a much more extended period, and they are typically for a higher amount. Even mortgages are technically instalment loans secured against a property.

Payday instalment loans offer a great short-term fix when you need fast access to additional funds to keep your head above water. If you wish to borrow over £5000 or feel you are getting into more of a mess with your finances, then contact a debt advice service.

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thousands of people...

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

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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

You can select a repayment period that suits the amount you’re borrowing and your circumstances. Our lender panel offers a range of terms, from 3 to 36 months. Typically, smaller loans are repaid over a shorter time, while instalment loans for more significant amounts are repaid over a more extended period.

Most people that opt for a payday instalment loan do so because they need emergency funds to help them pay their way. This is usually because of an unexpected bill that has left them financially short. However, direct lenders do not put restrictions on what you use the funds for.

You can borrow from £50 to £5000 when you use Payday UK to access an instalment loan. When you apply, you can select the amount you require and your preferred repayment period. We will then show you the best loan offer from our panel of lenders according to your needs and unique circumstances.

Yes. We have a panel of direct lenders and many of them specialise in providing loans to people with specific needs, whether that’s a short term loan, people who have struggled to get an instalment loan in the past, or larger amounts. Having such a varied group of direct lenders allows us to approve the maximum number of people, which has led to an impressive acceptance rate of over 95%.

Yes. A payday instalment loan can be applied for online. Our online application process is speedy and straightforward. It’s designed to provide you with an instant decision and quick access to funds. There is no additional paperwork or meetings to slow the process down. We’ve worked hard to ensure you get the same user-friendly experience no matter how you apply. You can go through the whole process on your smartphone, laptop, tablet, or desktop computer.

Yes. The majority of payday loans our panel approve are for smaller amounts that can be in the customer’s bank account within minutes. The time does sometimes vary because of each bank’s processes and systems. However, some of the slower ones will usually pay out the loan the same day.