Loans for Unemployed People.

£50 to £5,000 paid out by 4:30pm *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 4:30pm 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 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.

Loans for the Unemployed

Needing a loan when you are unemployed can be extremely tricky. Many lenders will automatically decline you if you are not working. Payday UK understand that if you are receiving benefits or are retired, you may still be eligible.

If you are currently unemployed, there may well be more to your situation, which means you need access to a little extra cash. You could have a new job starting in a month and need to keep your head above water until it starts, and you receive your first lot of wages.

Some people that are classed as unemployed have income streams from different sources and may be able to make the repayments comfortably. At Payday UK, we don’t presume anything. If you have an income, such as benefits or pension, lenders will still consider you.

We've helped out
thousands of people...

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

Apply Now

How much do you need?

Will I be Approved?

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

Check Eligibility

Unemployed Loan the Same Day

Whether you are employed or receiving other income, you may still benefit from same day loans from reputable lenders.

You can fill out our quick online application to instantly get your circumstances compared to the criteria of specialist lenders that feature on our panel. Applying with us puts you under no obligation and won’t harm your credit score.

Many lenders on our panel specialise in providing loans to people with circumstances traditional lenders would typically avoid. Our service is also completely free of charge, so you have nothing to lose by checking your eligibility.

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

Whether or not an unemployed person qualifies for a loan will depend on more than just their employment status. The easiest way to see if you are eligible for a loan is to apply through Payday UK. We process over 4500 applications every day^ and over 95% of them are accepted, so there is only a very tiny percentage of people we can’t help.

We offer access to loans from £50 to £5000. You can choose a repayment period from 3 to 36 months, depending on the amount you borrow and your circumstances. People borrowing a more significant amount usually want a lengthier repayment period, while those borrowing a small amount of money typically select a shorter repayment period to minimise the interest they will be charged.

Yes. Most payday loans are for an unforeseen expense or an emergency. By their nature, payday loans are ideal for people that need to access extra funds quickly. We have done everything we currently can to make the process as quick and straightforward as possible. You can complete your application online using your smartphone, tablet or computer. We don’t expect you to fill out any paperwork or attend any appointments.

Many people receive benefits. There is usually more to their situation than merely being on benefits. Many people that receive benefits also work part or full-time. Some people receive benefits because of a physical condition. A lot of people that receive benefits have successfully used a payday loan to help them out of short-term financial difficulty.

Some lenders will require a guarantor, and others will not require a guarantor. However, the chances of being accepted with a guarantor will be higher when you’re applying for loans for unemployed people. A guarantor can be a member of your family or a close friend. After you have applied, and if you’re eligible, we will show you the best loan offer available for you. It will stipulate if a guarantor will be required to secure the loan.