Quick Loans.

£50 to £5,000 paid out by 11:21am *

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Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 11:21am 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.

Quick Loans for Bad Credit

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

If you’re suddenly faced with an emergency, then a quick loan can be the solution that keeps everything ticking over until you can get back on top. There have been times when we would all be grateful for access to a bit of extra cash.

An unexpected house repair or mechanic’s bill can leave anyone short for the rest of the month. Payday UK give 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...

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

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How much do you need?

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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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Quick Loans for Quick Lives

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

As a reputable loan introducer, Payday UK do everything we can to assist people who need access to credit. We try to do this in a user-friendly way that is simple to apply for and completely transparent.

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 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

Most people turning to a payday lender have a good reason for needing the money. This is why we have stripped away any unnecessary parts of the process, so you can complete the application quickly and get an instant decision. If you’re eligible for your chosen quick loan, then you will be shown the best deal currently available for you. If you accept the loan offer, the money will usually be in your bank account in a matter of minutes.

Sometimes an applicant with bad credit or unusual circumstances might be required to have a guarantor to secure the loan. This can take a little longer but is still relatively quick. The only other aspect beyond our control is your bank’s internal systems. These are the main reason we quote a time of ten minutes* to receive your loan because while we will transfer the money virtually immediately, there can be a short delay while your bank processes the payment.

Smartphones are increasingly being used for online shopping, banking, and even loan applications. They offer an excellent level of security and are a convenient way for many people to apply for their quick loan. Modern websites are designed in a way that provides just as good an experience for mobile users as someone using a tablet or computer. Some people may have security concerns about using a mobile device to apply for a quick loan. However, if your phone has the latest version of the manufacturer’s software and is connected via the cellular network or secure Wi-Fi connection (like you’ll have in your home), then the built-in security is more than enough.

We will endeavour to get the cash into your bank as quickly as possible. Once you’ve received an instant decision that says your eligible, you can accept the loan offer. The money will be transferred virtually immediately after you’ve accepted the offer. Most of our customers have their cash within a matter of minutes, but there can sometimes be variable that are beyond our control, such as your bank’s internal systems. However, even the slowest banks are still relatively quick. We have shortened every part of the application process, so you only have to worry about the bare essentials.

The quickest type of loan you can apply for is a payday loan. While payday loans initially received a lot of bad press, the introduction of FCA (Financial Conduct Authority) regulations and guidelines has eliminated the cowboy companies that were charging outlandish interest rates with unrealistic repayment terms. Every direct lender on our panel is a licensed and reputable lender that abides by the FCA’s regulatory and ethical guidelines. This provides consumers with an increased level of protection against unscrupulous companies.

Payday loan rates can still look high in comparison to traditional loans. This is often because of the short-term nature of the loans, giving the lender a short amount of time to make a profit. However, any sort of borrowing can start to become a lot more expensive if you fail to meet the agreed repayments. This is why it’s essential to be realistic when selecting your repayment terms. It’s also important to communicate with your lender if you’re experiencing any difficulty in making the payments.

Payday loans are available for people with bad credit. Our panel of lenders is deliberately made up of a range of lenders that offer a variety of terms. This allows us to provide credit to the broadest 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 be in need of a little extra money. Depending on your situation, some lenders will charge a higher rate of interest to borrowers with a 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.

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 rating.

Using our online application process will ensure you get access to the best deal in the shortest possible time. We understand the importance of keeping the application process simple, quick, and user-friendly. We work hard to ensure our process is the fastest it can be. We design everything to ensure the money gets into your account as quickly as possible.

Just because a quick loan is easy to apply for, it doesn’t mean you should consider a fix for every financial situation. Payday loans are designed to offer short-term relief from an unexpected expense. They should not be used as a solution to longer-term financial difficulty.

Our service is free to use for all applicants. Greater things 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 process, you can select any amount from £50 to £5000. The amount of time you take to repay the loan is also up to you, although most people like to clear smaller loans quicker to minimise the interest they are charged. You can select a repayment period from 3 to 36-months. It’s important to be realistic about how much you can comfortably afford to pay each month when selecting your repayment period, as you don’t want the loan repayment to put you into further financial difficulty.

If you do struggle to make an agreed payment on time, it’s essential to communicate with your lender. They will be much more understanding if they know your intentions are good, and you can come to a resolution together.

The origin of the name payday loan goes back to employees subbing money out of their following month’s wages. The funds would then be deducted from their next pay packet. The main similarity between subs from an employer and a payday loan is they are both usually for small amounts, and they are typically required to tide us over temporarily.

The wide range of amounts and repayment terms have developed a category of loan in its own right. This allows people who need to borrow a larger amount to keep the payments to a reasonable level, rather than having a massive deduction from their wages and just deferring the financial pain until your next payday. People borrowing a smaller amount will still usually opt for a shorter repayment period. This helps to minimise the interest they are charged.

Lenders will allow you to settle a loan before it’s due. However, if you think you’ll be doing this, it can be a good idea to look at the terms of the loan before you accept the offer. Many lenders will reduce the amount of interest charged to reflect the shorter loan period. However, others may stipulate you have to pay the full amount of interest regardless of whether you settle the loan earlier than required.

All reputable direct lenders are regulated by the FCA (Financial Conduct Authority). This means they must be transparent about the terms of any loan they offer you. If you can’t find the information you want, ask the question.