Emergency Loans.

£50 to £5,000 paid out by 6:20am *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 6:20am 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.

Emergency Cash Loans

Situations can happen to everyone at one time or another where you need to borrow money. At Payday UK, we are here to help you get access to emergency cash when you need it most.

If you need emergency money now, then Payday UK can help. Our lender’s whole application, acceptance, and transfer process is designed to get the funds into your bank account in the shortest possible time. You can apply online without needing to complete any paperwork or meet anyone.

Having the peace of mind that you could have the loan transferred to your bank account on the same day as you apply is huge. This allows you to focus your energy on dealing with the emergency, knowing that the money is there.

We've helped out
thousands of people...

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

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

Emergency Loans for Bad Credit

Payday UK could help you find a loan today that will help you deal with any unexpected event.

We understand that if you need an emergency loan, you’re probably dealing with a stressful situation. Our panel of lenders is perfect at helping people that need a quick fix for a problem. Their short-term emergency cash loans can provide the ideal solution to help you pay for an unexpected car repair, breakdown of household goods, or an unexpected vet or medical bill.

Even if you have been declined elsewhere, our panel of lenders may still be able to help you. We work with lenders who specialise in providing loans to customers who have a less than perfect credit score. So, if you have a CCJ or have had credit problems in the past, Payday UK could still be able to help you today.

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

We’ve tried to make the application process for an emergency loan as simple as possible. You can complete the process online, whether you’re on your smartphone, tablet or computer. You’ll receive an instant decision about whether you’re eligible. If you are, we’ll show you the best loan available for your current circumstances. Once accepted, the money is transferred and in your account in a matter of minutes.

Most of our customers have the money in their bank account within minutes. We say it takes 10 minutes* to be on the safe side, and because we have no control over your bank’s internal systems. However, even the slowest banks don’t usually take very long, and the money usually is in your account very quickly.

The repayment period is the amount of time you choose to repay your loan over. The shorter the period, the sooner the money is paid back. You can select your repayment period. Shorter repayment periods usually attract less interest, making them popular for people borrowing small amounts. You must choose a period that suits your circumstances. Borrowing sensibly ensures you’ll always have access to emergency loans when you need them.

Short term loans can be deceptive. Lenders quote APR rates that seem astronomical. However, this is a reflection of the short nature of a loan. Some lenders find it preferable not to charge any interest on short-term emergency loans, and instead, opt to charge a set fee. Regardless of whether your loan attracts a fee or interest, all reputable and regulated lenders will be upfront about the cost of your borrowing.

We have purposely built a panel of direct lenders that can offer emergency loans to as many people as possible. Many amongst them specialise in specific circumstances, such as bad credit. The only way to be entirely sure whether you qualify is to complete the quick application process. Applying won’t leave a mark on your credit record or negatively impact your score. A full credit check is required by the FCA (Financial Conduct Authority) if you accept a loan offer.