Same Day Loans With Soft Credit Check Quote.

£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 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.

Same Day Loans with No Credit Check Don’t Exist

Via Payday UK, you can apply for a same day loan without damaging your credit score.

Many people who, unfortunately, have a poor credit score look for same day loans with no credit check, as they think this is the only way they’ll be able to borrow money. Therefore, some lenders will say you can apply for a same day loan with no credit check. However, this is misleading at best. Responsible lenders have to perform certain checks in order to make a decision on your application.

You can apply for and get an instant decision with only a soft credit check being performed. This leaves no trace on your credit score and will not be visible to any other lenders looking at your credit file. However, all lenders must be registered with the FCA (Financial Conduct Authority), and it is a mandatory requirement that all lenders perform a full credit check before releasing any funds.

We've helped out
thousands of people...

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

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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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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

A soft search allows your broker to check your eligibility against a pool of lenders without harming your credit score. While it doesn’t provide the same level of information as a full credit check, it gives your broker enough information to know which lenders are the best fit for you, and which ones that will accept you.

The main advantage of a soft credit search is that it doesn’t show up on your credit report. Previously, if you applied for a payday loan in the UK and were denied, it would show up on your credit report. This could potentially put off other lenders, making them less likely to approve your application. This also compounded the problem, as now you’d have two failed applications on your credit record, which will reduce the likelihood of another lender approving you even lower. A soft credit search avoids people being unfairly punished in this way.

The technology developed by our broker processes around 4500 applications every day^, and helps a high percentage of people find a loan. The broker has built a panel of lenders that includes companies that specialise in providing bad credit loans.

The broker will look at all the loan offers you receive and show you the one with the lowest interest rate and the highest chance of acceptance. This takes much of the guesswork out of the process, as you’ll already know you meet the lender’s criteria and will almost certainly be accepted.

There is no single answer to this question. Many direct lenders specialise in same day bad credit loans, but the best one for you will depend on your current situation. That’s why our broker will compare them all instantly and show you the best deal for you. The payday loan market has grown in popularity in recent years, which is good news for consumers. More lenders create increased competition for your business. This can lead to lower APR rates and special offers to attract new customers.

Payday UK do not charge any fees for using our service.