Welcome to paydayloans.co.uk - The UKs Official Payday Loans Resource

How much do you want to borrow
 
 
Days to pay back
   days
 
Total Amount £5,525.60
Loan:£525.60 Fees:£525.60
  • Apply to the top 30 lenders in 30 seconds
  • Increase your chance of acceptance to 95%
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Your payday loan sorted - quickly and simply - thanks to Paydayloans.co.uk

There are many reasons why people like you choose to take out a payday loan. It usually means some emergency has cropped up - like an unexpected bill for your home or car, for example - which has stretched your finances to breaking point.
If only it was payday tomorrow - but in the meantime what can you do? Many people choose to bridge the gap between now and their next payday with a payday loan. It’s a short term financial solution to a short term financial problem. You can borrow what you need - usually anything from £50 up to £1,000 - and pay back the loan on your next payday. Emergency over and problem solved.

The information you need at a glance.

At Paydayloans.co.uk we aim to make finding the right payday loan company as easy as possible - and quick too! Scroll down and you will find a large selection of different payday companies to choose from. We’ve summarised the main points about what each one has to offer.* Simply take a minute to read through and click straight through to apply.

top 3 payday loan lenders

Top 3 Lenders

Looking for a payday loan? Paydayloans.co.uk has the answer - right now!

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Payday UK
payday uk logo
Lender
1737%
Borrow £750 for 28 days
Total amount payable: £937.50
Interest: £217.50
Representative APR: 1737%
25% charge per hundred
£80-£750
125
Not Required, just bank and debit card details

Payday UK offers loans of up to £750 for up to 30 days. Money can be deposited on Saturdays and Sundays, so if you apply at the weekend you won’t have to wait until Monday for your loan. Payday UK charge £25 for every £30 borrowed.
1 Month Loan
1Month Loan
Lender
2,957.3%
Borrow: £225 for 28 days
Total amount payable: £292.50
Interest: £67.50
Representative APR: 2,957.3%
Within hours
£75 to £750
130
Bank account and debit card required

1monthloan offers a simple online application with a decision made in hours. A same day service is available (a £5 fee applies). Borrow up to £750 and pay £30 for every £100 borrowed. Repay the loan on payday - or you can extend the loan for up to four months.
Cash Choice
cash choice
Lender
2948.10%
Borrow: £200 for 30 days
Total Amount Payable: £250
Interest: £50
Representative APR 2948.10%
Within minutes
£200 to £400
N/A
Bank account required

Cash Choice offers help with unexpected cash-flow problems. Borrow between £200 -£400. Apply before 3pm and the loan could be in your account the same day. Applications processed 8am - 8pm Monday to Friday - with a decision in minutes.
Quick Quid
quick quid
Lender
2222.46%
Borrow £50 for 30 days
Total amount payable: £64.75
Interest: £14.75
Representative APR: 1734%
Loan amounts are based on consumer's credit history and ability to repay loan. Not everyone may qualify for £1500.
Up to £1500
£120-£129.50
No - nothing to fax, no paperwork to post

 
QuickQuid offers 1 hour funding 365 days a year. It’s OK to have less than perfect credit. You can borrow up to £1500 (£1,000 for new customers), payable on the payday following receipt of your loan. Customer service is available round the clock.
Lending Stream
lending stream
Lender
3043.8%
Rate Borrow £200 for 6 months
Total amount payable: £440
Interest: £240
Representative APR: 3043%
It is important and recommended that you do not borrow more than you can afford...
£50-£1000
130
None

Lending Stream offers short term monthly instalment loans. Bridge the gap between payday loans and bank loans, spreading the cost over 4-6 months. Three minute application process - money within 30 minutes subject to a £15 transfer fee.
Wonga
wonga
Lender
4214%
Borrow £207 for 20 days
Total amount payable: £254.42
Interest: £41.92
Fee: £5.50
Representative APR: 4214%
Applicants for loans will only be approved if they are UK residents and over 18 years of age. Credit score and credit history will be taken into account.
Up to £1,000
137.76
None - just bank account and debit card required.

Wonga offers a genuine 24/7 payday loan service. The loan can be in your account within 15 minutes - guaranteed. You decide how much you want to borrow over how many days using the amount slider on the website - so you only pay interest for the time you borrow the money. Pay back early and you pay less. Totally flexible to suit you.
Payday Express
payday express
Lender
1737.2%
Borrow £80 for 28 days
Total amount payable: £100
Interest: £20
Representative APR: 1737.2%
Applicants must be at least 18 years of age living and working in the UK. Wages must be paid directly into a UK bank account and applicants must have a debit card for this account.
£80-£800
125
Generally not required – Payday Express offer instant online approval

Payday Express offers a quick, easy solution with loans of up to £800 (£400 for first time borrowers). Interest is fixed at £25% with no additional costs. Apply online - the decision is instant and you could have your money within 45 minutes.
Cash Genie
cash genie
Lender
2339%
Borrow £150 for 30 days
Total amount payable: £195.00
Interest: £45.00
Representative APR: 2339%
Applicants must be at least 18 years of age living and working in the UK. Wages must be paid directly into a UK bank account and applicants must have a debit card for this account.
£75-£750
130
Generally not required – Cash Genie offer instant online approval

Cash Genie offers loans from £75 to £750 with a same day service available for a charge. Decisions are instant and can be within 30 seconds. Apply online or by telephone. Text Cash Genie and get a response in under ten minutes.
Mr Lender
Lender
1990%
Borrow £100 for 30 days
Total amount payable: £137
Interest: £30
Admin Fee: £7
Representative APR: 1990%
Must be over 18 and have valid debit card linked to bank account the money is placed into. Must also earn over £750 per month.
£50 to £750
130
Sometimes bank statements or utility bills are required, but very rarely.

Mr Lender offers loans from just £50 to £500 - or £750 if you’re a returning borrower. You can apply online or by telephone and have your money within two hours. There’s an administration fee of £7. Bad credit is not a problem.
247 Moneybox
247 Moneybox
Lender
5784.3%
Borrow £125 for 29 days
Total amount payable: £172.79
Interest: £41.79
Transfer Fee: £6 Representative APR: 5784.3%
Less than 5 minutes to approval
£80 to £800
139
Bank account and debit card required

247 Moneybox offers a rapid online application process and money paid directly into your bank account in just two minutes once approved. Register and you can use loan services by text. Poor credit not necessarily a problem.
THL Direct
THL Direct
Lender
2964%
Borrow: £100 for 28 days
Total amount payable: £162.50
Interest: £37.50
Admin & Bank Fee: £25
Representative APR: 2964%
Same day approval
£100 to £250
162.5
Bank account and debit card required

THL Direct offers a simple and fast same-day loan service. Borrow from £100 to £250 with the cash transferred directly into your bank account ( £25 admin and bank fee applies). Repayment is taken automatically on your next payday.
Micro Lend
micro lend
Lender
2229.8%
Borrow: £500 for 30 days
Total amount payable: £650
Interest: £150
Representative 2229.8% APR.
Instant approval
£100 - £1,000
130
Bank account and debit card

Micro Lend offers quick payday loans from £100 - £1,000 (£500 for new applicants). Loan credited to your bank directly and could be available within 4 hours. Customer service team available 6 days a week for support. 24/7 online availability.
FLM Quick
FLM Quick
Lender
199%
Borrow £500 for 31 days
Total amount payable: £548.70
Interest: £48.70
Representative APR: 199%
You must be over 18, be living in the UK and not be bankrupt or on an IVA.
£50 to £500
109.74
ID required and validation of your debit card.

FLM Quick offers loans from £50 to £500 with an interest rate of 199% APR. This is up to 10x lower than other payday loan companies. You need a guarantor to apply for a loan so your credit rating doesn’t matter. Apply online and get cash within 1 hour.
Speed-e-Loans
speed-e-loans
Lender
2243%
Borrow: £200 for 30 days
Total amount payable: £266.44
Interest: £61.49
Transfer fee: £4.95
Representative APR: 2335%
Instant decisions
£50 - £500
N/A
Bank account and debit card required

Speed-e-loan offers a totally online payday loan service. Borrow up to £500 with an instant response and cash in your bank usually within two hours ( £4.75 transfer fee applies). Bad credit or an imperfect credit history not necessarily a problem.
Pounds to Pocket
pounds to pocket
Broker
278%
Borrow: £500 for 12 months
Total amount payable: £949.01
Interest: £449.01
Representative 278% APR.
Approval in 30 minutes or less
Up to £2000
N/A
Bank account required

Pounds to Pocket offers easy online application process 365 days a year for short term loans. Borrow up to £2,000 and repay over 12 months. Repay by debit card or direct debit. Loan could be available within one hour of approval.
Cash Converters
cash converters
Lender
N/A
(None given)
Instant Approval
£500 - £2,000
N/A
Bank account and debit card

Cash Converters offers short term loans of between 4 and 7 months with payments made weekly, fortnightly or monthly. Borrow up to £2,000 and once approved, the cash advance is made immediately.
Money Shop
the money shop
Lender
1737.2%
Borrow £80 for 28 days
Total amount payable: £100
Interest: £20
Representative APR: 1737.2%
Instant decision
£80 to £800
N/A
Bank account and debit card

Money Shop offers a quick, easy solution with loans of up to £800 (£400 for first time borrowers). Interest is fixed at £25% with no additional costs. Apply online - the decision is instant and you could have your money within 45 minutes.
TxtLoan
txt loan
Lender
4474%
Borrow £100 for 15 days
Total amount payable: £117
Interest: £17
Representative APR: 4474%
You must be living in the UK, get a regular minimum £400 income, have mobile phone and e-mail address
100
117
Bank account and debit card details

TxtLoan offers short-term loans of up to £300 with a simple, one time registration process. Once approved you send a text to TxtLoan and will receive £100 within minutes. When you repay you loan, you can apply again - it’s that simple.
999 Payday
999 payday
Lender
1286%
Borrow £160 for 31 days
Total amount payable: £185
Interest: £25
Representative APR: 1286%
You must be 18 or over, in full time employment and earning £750 per month or more.
£80- £1000
125
You will need a bank account that accepts direct debits and they are required to prove your identity, approval is within minutes

999 Payday offers a fast application, fast approval and fast cash on loans up to £1,000. Same day service available if you apply before 5pm Monday to Friday. Your credit history is not a problem. Almost 100% of applicants are accepted.
Quid 24
quid 24
Lender
1435%
Borrow £100 for 7 days
Total amount payable: £115.50
Interest: £10
Transfer Fee: £5.50
Representative APR: 14,348%
If you are over 18, then you will be eligible to use the Quid 24 site and services.
100
110
Sometimes they will request that you post copies of bank statements from the last three months.

Quid24 offers an ultra fast SMS loans service. Register online and once approved, simply text for a loan of £100 for 7 days. Receive your cash in as little as 15 minutes - guaranteed. A specialist in text loans.
Provident Personal
Credit Loan
provident personal
Lender
1068.5%
Borrow £100 for 14 weeks
Total amount payable: £140
Interest: £40
Representative APR: 1068.5%
Address: 1 Godwin Street, Bradford, BD1 2SU NB
£50 - £300
140
Applicants must be at least 18 years of age and a UK resident. Repayment period 14 weeks - 31 weeks

Provident Personal Credit offers budget loans payable over 14 weeks. You can borrow from £50 to £300. A Provident Agent calls at your home to collect weekly repayments. No bank account or debit card required.
Uncle Buck
Lender
2100.4%
Borrow: £200 for 31 days
Total Amount Payable: £260
Interest: £60
Representative APR 2100.4%
Within 1 hour
£100 - £1,000
130
Bank account and debit card required

Uncle Buck offers payday loans with a fast-track approval service. Instant online decisions and money deposited in your account within the hour (£15 transfer fee applies). New customers can borrow up to £300. Text loan service available for existing customers.
Shopacheck
shopacheck
Lender
399.7%
Borrow: £300 for 32 weeks at £15 per week
Total Amount Payable is £480
Interest: £180
Representative APR : 399.7%
Within seconds
£50 - £500
130
No

Shopacheck offers short term loans with payments spread over a period of weeks. Apply online for a decision in seconds. A call back within 48 hrs guaranteed and cash delivered to your home when it suits you. Weekly payments made to your personal agent.
Instant Loans Direct
instant direct loans
Lender
448.3%
Borrow £300 for 30 days
Total amount payable: £345
Interest: £45
Representative APR: 448.8%
18+ years of age - employed or self employed - earning a min of £750 per month - repay on your next payday
£750
115
Bank account and debit card details

Instant Loans offers one of the lowest rates for online payday loans. That’s just 0.50p for every £100 borrowed. Borrow up to £300 as a new customer. Quick online application. Customer support via email and telephone. Same day loan service available for one-off fee.

PaydayKong.com
payday kong
Broker
1286%
Borrow £300 for 30 days
Total amount payable: £375
Interest: £75
Representative APR:1286% (variable rate)
Over 18, employed, earning minimum £650 per month. Payment should be within 31 days.
Up to £1000
125
Generally not required – Payday Kong offer instant online approval

Payday Kong offers a broker service with the highest acceptance rates. Your credit rating doesn’t matter. Borrow up to £1,000 payable within 31 days with instant online approval - and money paid into your account as in as little as 15 minutes.
Payday Pig
payday pig
Broker
1737%
Borrow £100 for 31 days
Total amount payable: £125
Interest: £25
Representative APR: 1737%
Within minutes
£100 - £1000
125
Bank account required

 
Payday Pig offers a broker service to get cash to you - fast - with a payday loan to suit you. Easy online application, approval in minutes and your money the same day if you apply before 5pm. Now paperwork - just a fast and efficient service.
Now! Payday
now payday
Broker
1734%
Borrow £50 for 30 days
Total amount payable: £64.75
Interest: £14.75
Representative APR: 1734%
18 and over, valid bank account, employed earning £650 per month, UK resident, payment should be within 31 days
£50-£750
129.50
None - Bank Account (debit card accepted but not required). Instant Approval.

Now! Payday offers loans up to £750 (£200 for first time borrowers). The online application takes just two minutes and is sent to a panel of lenders. If approved by 2.30pm, the money could be in your account the same day. A bad credit history is still OK.
Payday Monster
payday monster
Broker
1737%
Borrow £180 for 28 days
Total amount payable: £225
Interest: £45
Representative APR: 1737%
To register you must be over eighteen (18) years of age. You must ensure that the details provided by you on registration or at any time are correct and complete.
£75 - £1000
125
No ID required

Payday Monster offers a fast and efficient broker service for payday loans. Their systems scans the markets to find the best loan match for you. Apply before 3pm and your cash can be with you the same day.
Today Loan
today loan
Broker
1737%
Borrow £300 for one month
Total amount payable: £375
Interest: £75
Representative APR: 1737% .
Aged 18 or older in employment or self-employment. Payday Loans to be paid back on next pay day
£100 - £750
£125-£130
Some lenders will not ask for identification but you will need to provide bank account details

Today Loan offers to compare the market for payday loans. Working directly with UK lenders, you have a very good chance of being approved for a loan of up to £750. Easy online application with an instant decision. Money paid out within 24 hours.
Wage Day Loans
wageday advance
Broker
1737%
Borrow £180 for 28 days
Total amount payable: £225
Interest: £45
Representative APR: 1737%
To register you must be over eighteen (18) years of age. You must ensure that the details provided by you on registration or at any time are correct and complete.
£80- £1000
125
No ID required

Wage Day Loans offers...need text to fill in.
Gateway Lending
Broker
1737%
Borrow £100 for one month
Total amount payable: £125
Interest: £25
Representative APR: 1737%
To register you must be over eighteen (18) years of age. You must ensure that the details provided by you on registration or at any time are correct and complete.
£80- £1000
125
No ID required

Gateway Lending offers to match you to a reputable payday lender. Borrow from £80 to £1,000 with cash deposited within 24 hours of approval. Fixed rate of £25 for every £100 borrowed and less than perfect credit is OK.
Payday Power
payday power
Broker
1940.5%
Borrow: £750 for 28 days
Total amount payable: £187.50
Interest: £187.50
Representative APR: 1940%
5 minutes
£50 - £1250
125
Bank account with debit card required

Payday Power offers a fast, online application which only takes 5 minutes for a decision. The cash can be in your bank account within the hour. As a broker, Payday Power works with a number of lenders to increase your chances of receiving your loan quickly.
KwikCash
kwik cash
Broker
1737%
Borrow £500 for 28 days
Total amount payable: £625
Interest: £125
Representative APR: 1737%
Over 18, employed, earning £650 per month. Payment should be within 31 days.
£80 - £500
125
Generally not required – Payday Bank offer instant online approval

Kwikcash offers a high acceptance rate for loans up to £500. This broker service matches you to a payday loan provider - it’s a fully automated online application process with a decision in minutes for quick cash. Same day service in most cases.

*  The information contained in the summaries and reviews aims to provide a snapshot of what each company offers.  It is important to read through all the information provided by the individual company when applying,  to ensure you are happy with all the details of the payday loan.

*  Many payday loan companies offer a same day loan service.  This is dependant upon your bank supporting Faster Payments.  If it does not, the payment may take up to 3 days to reach your account. (This only applies to a small minority of customers as most bank use fast cash transfers. Please check with your bank in advance.)

*  If you fail to repay your payday loan on the agreed repayment date, you may incur default payments and additional charges.  Please check with your payday loan company before taking out a loan.

*  All payday loans are subject to approval times and lenders policies. 

*  Terms and conditions will apply for each individual payday loan company. 

*  Payday Loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with bad credit difficulties should seek credit counseling or look at Debt Management Plans. Approval pending completion of fraud checks.