Need Money Now.

£50 to £5,000 paid out by 10:41am *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 10:41am 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.

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.

If you need money now, then applying for a short term loan through Payday UK provides you with an easy and fast way to get access to the cash you need. We process over 4500 applications every day^, and we accept at least 95% of all 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...

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

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

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 with Payday UK. If you accept the loan offer the money is transferred to your bank account virtually instantly.

With 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 panel of lenders includes specialists that are very good at helping people with a poor credit history. Applying with 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.