Payday Loans

£50 to £5,000 loans available today

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Online Loans
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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 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

Same Day Loans Online

At Payday UK, we dedicate our efforts to providing a transparent and user-friendly service.

All payday loans applied for through Payday UK’s broker are same day loans. This is because people that are applying for a payday loan usually need access to the money quickly. Whether it’s because of an unexpected expense or a family emergency, most people want a payday loan to help them keep going during a sticky situation.

Even people that carefully work out their monthly budget can be caught out by an unforeseen expense or emergency. Our panel of lenders and the Payday UK service is dedicated to providing you with access to extra funds as quickly as we can.

Searching for a loan manually can be time-consuming, and if you’re in a hurry, you can’t afford to spend time comparing rates and terms. Therefore, we show you the best loan for your circumstances, doing the legwork for you.

An increasing number of people are turning to short-term same day loans as a temporary solution to financial difficulty. This means lots of new companies have seen the demand grow and started offering same-day loans. This is great for consumers, as the more competitive the market becomes, the more interest rates will reduce to attract new customers.

We've helped out
thousands of people...

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

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Powered by Flux Funding

Same Day Loans. All Day Every Day

If you need to borrow money quickly, a same day loan could help you today.

Lots of people successfully use payday loans to help them deal with short-term financial situations. However, they shouldn’t be used as a long-term financial solution. When you’re desperate for extra money, it can also be easy to agree to anything quickly to get your hands on the extra cash. This can be dangerous. Using our service ensures you’re only shown the loan with the best interest rate for your circumstances.

If you’re unsure of any details, then please look carefully at the relevant information, as all reputable lenders will try to explain the terms and conditions of the loan in a straightforward way. They must be transparent about their rate of APR and any fees the loan will attract.

Here are the answers to some of the questions about same day loans we get asked the most.

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

The APR rates that can look so scary on the adverts are primarily so high because a payday loan lender only has a very short time to turn a profit. While bigger loans over a more extended period can make money more gradually, so have a lower rate, a loan repayable over three months wouldn’t be worth the lenders time if it were charged at the same rate as a traditional loan.

Another factor that can sometimes impact the rate a direct lender sets is your credit rating. The lower your score, the higher the risk. This is also often reflected in the rates you will be quoted when applying for a same day loan.

All reputable lenders must abide by regulations and guidelines set out by the FCA (Financial Conduct Authority), who is the authority that is responsible for regulating payday lenders. These relate to transparency (Interest or APR rates must be clearly stated).

When you use Payday UK, you can select any amount between £50 and £5000. You also get to choose a repayment period that is suitable for you. You can select from 3-months up to 36-months. Lenders only perform a soft credit check when you initially apply, so you can rest assured it won’t affect your credit rating. We accept applications for people who think they have bad credit. We try to provide a service that gives the maximum number of people access to credit, regardless of their history or circumstances.

Our brokers system instantly compares the loans offered from a panel of lenders then presents the best one to you. This makes it an ideal solution for a variety of people, as the best lender for one person might not suit the next person.

Payday UK will never charge you a fee for using our services. You should never be asked to pay an upfront fee for a loan.

Online applications are perfect for people looking for a same day loan, as it quickens the process. Everything is designed to get the money you need into your bank account quickly. We keep everything as simple and user-friendly as we can to avoid any unnecessary delays.

A same day loan shouldn’t be used as a long-term financial solution. They are perfect for an emergency or to cover an unforeseen expense. We are aware of the urgency most of our customers feel when applying, so try to get the funds into eligible applicant’s accounts as quickly as we can.

Many of the lenders on our brokers panel specialise in borrowing money to people that might typically struggle. Whether that’s because you don’t have an excellent credit rating, or maybe even have a CCJ, you shouldn’t presume this excludes you from being accepted. A past financial mistake or unforeseen loss of income can end up destroying your credit rating, but we don’t believe you should continue to be punished for years. Our 95% accept rate demonstrates just how many people we help.

Some people are put off from applying because they believe if they are refused, it will make their credit score even worse. However, Payday UK only initially performs a soft credit search, which leaves no mark on your credit report. This means you can apply stress-free, regardless of the outcome.

If you accept a loan offer, the direct lender is required by the FCA (Financial Conduct Authority) to perform a full credit check before paying the loan into your bank account. You’ll already know you meet their criteria before you reach this stage. If you accept an offer and make all the scheduled repayments the same day loan should only improve your credit rating.

As the full credit check is a legal requirement, you should be wary of any company that claims to be able to give you a loan without one, as this could mean they are either unregulated or not being honest.

Whether a guarantor is required will depend on your circumstances. Most loans don’t need a guarantor, but some direct lenders will ask for one before releasing any funds. A guarantor has to be someone you trust, and who trusts you. It’s usually a family member or close friend. You will be informed if you require a guarantor after the application process.

The whole process can usually be completed quickly online. There can be exceptional circumstances where a lender requires proof of ID or income. This is more likely if you’ve recently moved to a new house and aren’t on the voters register yet. Even if extra information is needed, everything can usually be done digitally.

Same day loans can be applied for and approved 365 days per year. There are no restrictions on weekends. With some lenders, they may not be able to pay out a loan on the weekend, so you may have to wait until the next working day.

Most loans that can be granted on the same day are similar to each other. The APR rate, repayment period, and some terms may differ depending on what you apply for and what your situation is.

Modern payday loans are a world apart from the same day loans that received so much negative press in the early days. Even most major lenders now offer a product that is similar in nature, although they might use a different name. This variety is good for consumers, as some will offer better deals for people with a good credit rating, while others will be better suited to those that have had trouble in the past.