Quick Cash with No Credit Check

£50 to £5,000 paid out by 1:16am *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 1:16am 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 Cash

Whether you need a quick cash loan for a small amount, or a larger loan, Payday UK can find the right loan for you.

Accessing quick cash with no credit check from a reputable payday lender is not possible. However, you can apply and receive a loan offer with only a soft credit check being performed, which doesn’t affect your credit score. If you’re looking for a loan with no credit check, then it may be because you think your credit score means the loan will be denied.

Our panel of lenders includes several that specialise in providing bad credit loans in the UK, so don’t be put off applying for the money you need because of your credit score. With loans for any purpose from £50 to £5,000, Payday UK can help you access the funds you need today.

We've helped out
thousands of people...

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

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

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

The nature of payday loans makes them the best way to access quick cash in the UK. Most applicants of payday loans get their money in a matter of minutes.

Yes. We are continually working to refine our systems to make it as fast as possible when you need money in an emergency. Most applicants of smaller payday loans receive their funds in a matter of minutes, and most quick cash loans are completed in around 10 minutes*. The only variable is your bank’s internal systems, which we have no control over, but even with the slowest banks, the money typically shows up within 10 minutes*.

You can borrow from £50 to £5000 using our service. Smaller loans are more likely to be processed quickly, but even larger loans don’t have to take much longer. You can repay your loan over any period from 3 to 36 months. This level of flexibility helps you to design a loan that suits your circumstances.

Yes. Many of our direct lenders specialise in providing loans to people with a low credit rating. They will also only carry out a soft credit search when you apply so that it won’t harm your credit score. If you accept a loan offer, the lender is legally required by the FCA (Financial Conduct Authority) to perform a full credit check before releasing the funds. However, you will already know you meet their criteria because of the soft credit check. If you accept a loan and stick to the repayment schedule, it will help improve your credit rating. However, if you fail to make the payments on time or default on the loan, it will harm your credit rating.

The APR rates quotes for quick cash loans are high. However, this is partly because of the nature of payday loans. Payday loans in the UK are generally for small amounts of money that’s repaid in a short space of time. This gives direct lenders a tiny window to make a profit. Some direct lenders don’t charge interest on the smallest loans. They will instead agree a fixed fee with you.

Those with bad credit could pay a higher rate of interest. This is because the interest is typically dependent on how big a risk you pose, and those with a poor credit rating are deemed to pose a higher risk.