Need Money Now.

£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 1721% 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

Need To Borrow Money Now?

At Payday UK, we have streamlined our application process to make sure that you can apply for your loan quickly with our broker partner.

If you need money now, then applying for a short term loan via Payday UK provides you with an easy and fast way to get access to the cash you need. We process over 7500 quote requests every day^, and we accept a high number of applicants. This means there is a tiny percentage of people we can’t help.

The whole process can be completed online using your smartphone, tablet or computer. There is no paperwork to fill out or appointments to attend. We really do make getting your hands on extra cash in an emergency as simple as we can.

We've helped out
thousands of people...

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

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.

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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

Yes. A short term loan is the quickest way to get extra funds when you need money now. Most people that need money immediately are in the situation because of an unexpected bill, such as a house or car repair, and need the money urgently to be able to carry on with their daily lives. A payday loan can be an ideal solution to a short-term financial problem.

You will get an instant decision when you apply via Payday UK. If you accept the loan offer the money is transferred to your bank account virtually instantly.

Via Payday UK, you can apply to borrow any amount from £50 to £5000. You can choose a repayment term from 3 to 36 months that suits you. This level of flexibility makes quick loans available to the most people possible that need money now and allows you to tailor your loan to suit your specific circumstances.

Yes. Our brokers panel of lenders includes specialists that are very good at helping people with a poor credit history. Applying via Payday UK will not harm your credit score, as we initially only perform a soft credit check. This gives us enough information to check your eligibility but won’t show up on your credit file if any other lender looks at it in the future.

No. You can complete the application and get an instant decision with only a soft credit check being performed. This won’t harm or credit rating in any way and won’t show up on future credit searches. However, if you accept a loan offer the direct lender your loan agreement is with will have to perform a full credit check in order to release the funds to you. This is because all the direct lenders on our panel are regulated by the FCA (Financial Conduct Authority), and one of the regulations says a full credit check must be performed.

If a company says they can provide a loan without performing a credit check, they may be either misleading you or not regulated by the FCA, both of which are good enough reasons not to deal with them.