Quick Loans.

£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 91% APR.

Representative example: Amount of credit: £500 for 6 months at £106.79 per month. Total amount repayable of £640.77 Interest: £140.77 Interest rate: 91% pa (fixed). Representative 91% APR. 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 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 a 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 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 moneyhelper.org.uk.

Quick Loans for Bad Credit

At Payday UK, we dedicate our efforts to providing a transparent and user-friendly service.

If you find yourself in an emergency then a quick loan is the answer that keeps everything running until you can get back on top. Our quick loans online are designed to get you the cash you need quickly, often the same day, through a simple and speedy online application process. We’ve all been there when we could do with a bit of extra cash.

Our fast loan UK options are transparent and clear with no hidden fees and simple terms so you are informed every step of the way. An unexpected house repair or mechanic’s bill can leave anyone short for the rest of the month. Payday UK introduce you to a broker that gives you the ability to apply for this money in the shortest possible time and at the best rate for your situation.

We've helped out
thousands of people...

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

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Powered by Flux Funding

Quick Loans for Quick Lives

Needing to find a loan quickly can be a daunting task, Payday UK introduce you to our broker who do all the work for you so you don’t have to.

As a reputable loan broker we do everything we can to help people who need credit. We try to do this in a user friendly way that is easy to apply and completely transparent, quick online loans that get you credit when you need it most. While a good credit rating can offer more options, it is not strictly necessary for loan approval, and making timely repayments can help improve your credit rating over time.

We also stress the importance of credit and affordability checks as a responsible lending practice to ensure sustainable borrowing. If you’re looking for loans with bad credit, then you may have some questions about the process. Below we’ve tried to answer the most common questions asked by customers that use us to find bad credit loans.

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

Most people using a payday lender have a good reason for needing the money and our quick loan online ensures you can complete the application quickly and get an instant decision, with funds often transferred on the same day. That’s why we’ve removed all the unnecessary bits of the process so you can complete the application for fast loans quickly and get an instant decision. A credit search is performed first, a soft search to assess eligibility without affecting your credit score, then a hard search once pre-approved. If you’re eligible for the quick loan you’ve chosen then you’ll be shown the best deal available for you. If you accept the loan offer the money will be in your bank account in minutes.

In some cases an applicant with bad credit or unusual circumstances may need a guarantor to secure the loan. This takes a bit longer but is still quick. The only other bit outside of our control is your bank’s systems. These are the reason we quote 10 minutes* to get your loan because while we will send the money instantly, there is a short delay while your bank processes the payment.

Smartphones are being used more and more for online shopping, banking and even loan applications. They offer great security and are a convenient way for many people to apply for a quick loan. Modern websites are designed to give the same experience for mobile users as someone using a tablet or computer. Some people may have concerns about using a mobile to apply for a quick loan. But if your phone has the latest software and is connected via the cellular network or secure Wi-Fi (like you have at home) then the built in security is more than enough. So you can apply for quick online loans from the comfort of your smartphone and get the funds quickly and easily.

Lenders will get the cash in your bank as quickly as possible with fast loans, they are quick and simple. Once you’ve got an instant decision that says you’re eligible you can accept the loan offer. The money will be sent instantly after you’ve accepted the offer. Most of our customers have the cash in minutes but sometimes there are variables outside of our control like your bank’s internal systems. But even the slowest banks are still quick. We’ve removed all the unnecessary bits of the application process so you only have to worry about the bare minimum. Our quick loans online are designed for same day funding so you get the money as quickly as possible.

Quick loans online is designed to be quick and simple with a streamlined application process for same day funding. But there are potential barriers to approval like bad credit and low income that can affect your eligibility.

The fastest loan you can apply for is a payday loan. Payday loans got a lot of bad press in the past but with the introduction of regulations and guidelines the cowboy companies that were charging exorbitant interest rates with unrealistic repayment terms have been eliminated. Every direct lender on our panel is a licensed and reputable lender that follows the FCA’s regulatory and ethical guidelines. This gives the consumer more protection against rogue companies.

A personal loan from a bank will give you higher amounts and longer repayment terms. Personal loans are different from quick loans in terms of eligibility and costs so they are more suitable for bigger amounts. Quick online loans is a faster and more convenient alternative to traditional loans for urgent financial needs.

Payday loan rates can still look high compared to regular loans. This is often because of the short term nature of the loans so the lender has a short time to make a profit. But any kind of borrowing can get very expensive if you don’t meet the repayments. So be realistic when choosing your repayment terms. Also communicate with your lender if you’re having difficulties making the payments.

Payday loans are available for bad credit. Our panel of lenders is made up of a range of lenders that offer different terms. This allows lenders to lend to the widest range of customers. Some reasons for a bad credit score are genuine mistakes or one off situations that have been resolved. We don’t think it’s fair to punish you for years by denying you access to the loan market when you might need a little extra cash.

Depending on your situation some lenders will charge a higher interest rate to borrowers with low credit score which they see as a direct reflection of the increased risk they are taking. With our service even those with bad credit know they are getting the best rates available to them at that time. Our quick loans online is available to bad credit customers, a fast and convenient solution for those in need of financial help.

If you apply for a quick loan, accept the loan offer, then make all the scheduled payments as agreed a payday loan should only help to improve your credit score.

Using our online application form will get you the best deal in the fastest time possible. We know how important it is to keep the application process simple, quick and user friendly. We work hard to make our process the fastest it can be. Lenders design everything to get the money in your account as soon as possible. Our quick loans online will get you the best deal in the fastest time possible with a streamlined application process for your convenience.

Quick loans is a type of short term financing that provides immediate financial help in emergencies. These loans emphasises the simplicity and speed of the application process for urgent situations where instant approval and access to funds is crucial.

Just because a quick loan is easy to apply for doesn’t mean you should use it for every financial situation. Payday loans is designed to provide short term relief from an unexpected expense. Not for long term financial problems.

Our service is free to use for all applicants. Payday UK will not charge you any fee. You should never pay an upfront fee for a loan.

When you apply for a quick loan using our online application form you can borrow any amount from £50 to £5000. The amount of time you take to repay the loan is up to you, although most people like to clear smaller loans quicker to minimise the interest they are charged. You can choose a repayment period from 3 to 36 months. Be realistic about how much you can afford to pay each month when you choose your repayment period, you don’t want the loan repayment to put you into further financial trouble. Our quick loans online has flexible borrowing limits and repayment terms so you can find a solution that suits your financial needs.

If you can’t make a payment on time it’s important to talk to your lender. They will be more understanding if they know your intentions are good and you can come to a solution together.

The name payday loan goes back to employees borrowing money from their next month’s wages. The money would be deducted from their next pay packet. The main similarity between borrowing from an employer and a payday loan is they are both usually for small amounts and they are both temporary.

The variety of amounts and repayment terms has created a loan category in its own right. This allows people who need to borrow a bigger amount to keep the payments to a reasonable level rather than a massive deduction from their wages and just defer the financial pain until your next payday. People borrowing a smaller loan amount will still usually opt for a shorter repayment period. This will minimize the interest charged. Our quick loans online has flexible repayment terms so you can choose a schedule that suits your financial situation.

Lenders will allow you to settle a loan before it’s due. But if you think you’ll be doing this it’s a good idea to check the terms of the loan before you accept the offer. Many lenders will reduce the interest charged if you settle the loan early. But some will say you have to pay the full interest regardless if you settle the loan earlier than required.

Be sure to read the terms of the loan agreement especially the early repayment penalties. This way you’ll know of any costs involved in settling your loan early. Our quick loans online has the option to repay early with terms that can be adjusted to your financial needs.

All direct lenders are regulated by the FCA (Financial Conduct Authority). This means they must be clear about the terms of the loan they offer you. If you can’t find the information you’re looking for, ask.

Quick loans are for immediate financial help. They help with short term financial burdens caused by unexpected expenses. Whether it’s a payday loan for an unexpected bill or a quick loan for emergency expenses, these financial products can be a lifesaver. The main purpose of quick loans is to provide cash fast, hence they are best for urgent situations like medical bills or car repairs. Quick loans online is for fast financial help for various urgent needs, from medical bills to car repairs.

Common expenses that quick loans can help with are unexpected house repairs and mechanic’s bills. For example if your boiler breaks down in the middle of winter a quick loan can help you get it fixed pronto.

The flexibility and convenience of quick loans in the UK makes it a popular choice for those who need fast cash to solve immediate financial problems.

Our quick loans has a soft credit check so it won’t affect your credit score when you apply. Our quick loans online has thorough credit and affordability checks to ensure responsible lending and borrowing.

The application process for a quick loan includes credit checks to verify the applicant’s ability to repay the loan and to uphold responsible lending. The creditworthiness is checked by Credit Reference Agencies and in some cases Open Banking Providers during this stage.

Affordability assessments are done so lenders can confirm if the applicant can afford the repayments on their loans. This consideration of multiple factors about the applicant’s ability to afford repayments increases the approval rate.