Urgent Loans.

£50 to £5,000 paid out by 1:01pm *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 1:01pm 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.

Urgent Loans

At Payday UK, we know that when an emergency occurs, you need to act fast. Whether that is dealing with a household issue or an unexpected bill. Use our quick application to get an instant decision.

Urgent loans are usually necessary when you’re surprised by an unexpected expense, such as a vet bill, car repair, or boiler breakdown. When this sort of emergency happens, you need quick access to extra cash to keep your family going. If an urgent loan is needed, then a short term loan could be your best option.

With a quick online application and a panel of direct lenders, Payday UK are able to search amongst some of the best loans available to get you the best possible deal. We have developed really quick and simple processes to get you access to the money you need.

We've helped out
thousands of people...

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

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

All our loans can be accessed quickly, which is essential when you need an urgent loan. The application process is quick and user-friendly. You can complete the whole process on your smartphone, tablet, or computer. We will search our panel of lenders and provide you with an instant decision and will then offer you the best loan available for your situation. If you accept the loan offer, the money can be in your account within 10 minutes*.

Yes. We process more than 4500 applications every day^. Many of these are for people with poor credit, or that have had trouble getting credit in the past. Many of our direct lenders specialise in providing urgent loans to people with bad credit. Lenders only perform a soft credit check when you apply, which leaves no trace on your credit report. If you accept a loan offer, the direct lender is required by the FCA (Financial Conduct Authority) to perform a full credit check. However, you will already know you meet their criteria.

We have an accept rate of over 95%, so you have an excellent chance of being accepted for an urgent loan by using Payday UK. We have built our panel of lenders to include specialists in many different areas. This allows us to find loans for a great number of people.

Here. Applying is quick, easy, and secure. Once you have been accepted for a loan, the money will typically be in your bank account in less than 10 minutes*. The only variable is your bank’s systems, but even the slowest banks turn it around in this time. Most applicants have the money in their account the same day.

No. The interest you pay is dependent on many factors, such as your credit rating and the term you select to make your repayments. With our system providing an instant decision, even for urgent bad credit loans, and the money transferred as soon as you accept a loan offer, all of our loans are quick enough to be classed as urgent loans.

The APR can look high for short term loans, but this is a reflection of the short repayment period, which gives lenders a tiny window to make a profit.