Small Loans from UK Lenders.

£50 to £5,000 paid out by 11:48pm *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 11:48pm 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.

Small Loans

Sometimes when you need to borrow money, it is only for small amounts to keep ou afloat until your next payday. At Payday UK you can apply for little loans from £50.

Small loan amounts are a perfect fit with payday loans. They are typically for smaller amounts than people would associate with a traditional loan. A small loan can provide a quick solution when you need short-term access to extra cash. This can be particularly useful when you are suddenly facing a bill you didn’t expect.

Most people use a small loan to keep their heads above water when they are experiencing a tight month. This is often caused by a one-off expense, such as a vet bill, a car or house repair, or a family emergency. Regardless of the reason, Payday UK can help you find small loans in the UK.

We've helped out
thousands of people...

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

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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

Small loans aren’t as expensive as most people initially think. This is because the APRs advertised usually appear very high. However, this is because they are designed to be borrowed over a short amount of time, giving the lender a small window to make a profit. Many lenders will also provide small personal loans for a set fee, rather than charging interest. If you are unsure how much your loan will cost you, ask your direct lender.

Small loans can be obtained very quickly. Using Payday UK means the money is normally in your account within minutes. You can apply online with no additional paperwork. We’ve designed our process to make it as user-friendly and speedy as possible. You can apply on any device, including your smartphone. You’ll get an instant decision from our panel of lenders once you’ve completed the easy application process.

No, small loans can offer a great solution to anyone. It’s a way of getting your hands on a little extra cash that will be paid back and finalised, rather than a credit card or overdraft that can tend to hang around for a lot longer. You can borrow with bad credit as well. Payday UK provide access to a variety of loans to suit people with different circumstances.

Yes, the whole process from start to finish is quick and easy. We have a panel of lenders and many of them specialise in certain types of small loans. This means you can get an instant decision, and even those with bad credit have an excellent chance of being approved. We process thousands of applications every day, and we accept at least 95% of them.

Most small loans are essentially payday loans. Not all lenders advertise them as such, primarily due to the bad reputation unregulated lenders created in the early days of payday loans. Now all our direct lenders are regulated by the FCA (Financial Conduct Authority) and follow a strict code of ethics and transparency.