Instant 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.

Instant Loans

If you find yourself needing to borrow money, sometimes you need it straight away. At Payday UK we can get you an instant decision from our panel of lenders.

Most people applying for a payday loan needs instant access to the money. This is because the nature of payday loans makes them ideal when you need quick access to some extra cash because of an unexpected bill or family emergency. Lengthy phone calls and application forms can add to the stress.

Among the most common reasons people need an instant loan from a direct lender are an unplanned house repair, such as a boiler breakdown, or a car repair or vet or medical bill. Whatever the reason, whatever your situation, Payday UK can help you access the loan you need quickly.

We've helped out
thousands of people...

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

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

As soon as the application process is completed, we will provide an instant decision on whether you’re eligible. We achieve this by performing a soft credit search, that doesn’t affect your credit score, and comparing your situation to the criteria of a large selection of direct lenders. If the instant decision says you’re eligible, we will show you the best offer from all these lenders.

Most applicants of payday loans have the money in their bank account in a matter of minutes. We’ve worked hard to ensure the whole process, from start to finish, can be completed online in the shortest possible time. You can even apply using just your smartphone.

The money is transferred to your bank account virtually instantly when you accept the loan offer. We say it can take up to ten minutes* to show in your bank. It’s quicker for many applicants, but your bank’s internal systems are beyond our control, so we quote a time of ten minutes* to be on the safe side.

Our service is completely free for all applicants, regardless of whether they accept a loan or not. Any charges that relate directly to your loan from the lender should be made clear to you. All our lenders are regulated by the FCA (Financial Conduct Authority) and must act in a transparent manner. This means they will always be upfront about the interest they are going to charge. However, some lenders of smaller loans will not charge any interest, instead of charging a set fee for the borrowing.

No. Our panel of direct lenders features several that specialise in a variety of situations. Many of them can help people with bad credit. They are interested in your current situation, rather than past mistakes. You shouldn’t be put off from applying just because you think your credit isn’t good enough. Our lender’s soft credit search won’t affect your credit rating so that you can check your eligibility with no risk.

We’ve worked hard to make everything as simple as possible. We’ve stripped away all the unnecessary aspects of the process and streamlined it wherever possible. You can complete the whole process online. No confusing paperwork. No inconvenient meetings.