Loans for People on Benefits.

£50 to £5,000 loans available today

How much do you need?

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

Benefit Loans

If you are not working and are in receipt of benefits, you may still be eligible for a loan. Use the eligibility checker today without damaging your credit file.

Just because a person receives benefits doesn’t mean they should be a high-risk borrower. Many people receive benefits for a variety of reasons. A lot of working people also receive benefits such as tax credits. If you can show that you can afford the repayments, you may still be able to apply.

A combination of the varying criteria of our brokers panel of lenders and your unique circumstances means the only way to know if you’re eligible is to apply. With Payday UK’s broker, you can apply for a loan from £50 to £5000, and select a repayment term from 3 to 36 months.

We've helped out
thousands of people...

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

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How much do you need?

Will I be Approved?

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

Check Eligibility

Powered by Flux Funding

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

There is no simple answer to this question. It is possible to get a loan when you’re receiving benefits, but it will partly depend on factors other than the benefits you receive. The only guaranteed way to find out if you’re eligible is to apply. It’s straightforward and can be completed solely online using your smartphone, tablet, or computer.

Some lenders will always require a guarantor, and others might not. Whether or not you need a guarantor will depend on the terms of the lender that offers you the best deal. A guarantor is generally a family member or close friend that trusts you and is willing to help.

Retired people can get loans. Whether or not you qualify for a loan in part depends on you having a secure income to repay the loan. Pensions are one of the safest forms of income. The only way to know for sure you’re eligible is to apply. The easiest way to do this is by using Payday UK’s broker service. When you fill out a single application, we will compare your circumstances to a wide range of lenders, maximising your chance of being approved and ensuring you get the best deal available for you.

Every lender has their criteria about what they will and won’t accept. Many of the companies on our panel of lenders specialise in providing loans for people who don’t fit the profile traditional lenders expect. You can quickly find out if you’re eligible by applying through Payday UK on your smartphone, tablet, or computer. It fast, safe, and secure, and it won’t harm your credit rating in any way.

If you’ve never had credit in the past, then it can be hard to obtain a loan for the first time. It can be just as tricky as it is for a person with bad credit. However, payday lenders provide credit to people with bad credit, no credit, or just because they need fast access to extra money quickly. Many of our lenders specialise in lending to people in difficult situations. If you have no credit history and need to start building a record to prove you’re not a high risk, then a small short-term payday loan can offer the ideal solution.