Instant Decision Loans.

£50 to £5,000 loans available today

How much do you need?


Online Loans
make sense

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 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 maximum 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 is an introducer appointed representative of Flux Funding Limited, who are a full authorised credit broker, not a lender. PaydayUK provides access to a loan matching service. This site will submit the information you provide to Flux Funding's 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 and Flux Funding 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.

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 brokers 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’s broker can help you access the loan you need quickly.

We've helped out
thousands of people...

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

Apply Now

How much do you need?


Will I be Approved?

The online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

Check Eligibility

Powered by Flux Funding

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

As soon as the application process is completed, our broker will provide an instant decision on whether you’re eligible. They 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, they 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.

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 brokers 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.