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Short Term Loans

£50 - £995

Online decision

Responsible lenders

Rates from 278% to 1576%

3-12 month repayment

Personal Loans

£1k - £25k

Fast decision

60-sec Application

Rates from 4.7% to 287%

3-36 month repayment

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances.
† Subject to lender's requirements and approval. Not all loan amounts are eligible for 20 minute payouts. Your bank may increase the time you receive the money considerably.

Guaranteed Cash Assistance on Payday Loans

Key points

  • These are small Loans built for emergency financial situations.
  • Payday loans are approved within minutes of application (sometimes a loan request is approved within 15 minutes)
  • Payday loan repayment may or may not be linked to the borrower’s payday.
  • Loans are only for a short time usually for two weeks or a little more than.

Running out of cash comes for different reasons and even events in one’s life. Some because they only rely on their monthly salary alone while some just don’t get enough of their salaries. Whichever their reasons may be, it is important to find the best cash assistance they could get. However, they should know exactly what they must do in order to fully benefit from those loans today. Good thing there are now loans online such as the payday loans which are very much convenient and readily available. This is, in fact, one of the most preferred loans online today here in the UK. So if you are in search for a loan that could provide you with the best cash help you need, let us share with you more of its amazing facts.

Instant Payday Loans UK

As mentioned previously, payday loans are very much favour here in UK when it comes to providing immediate cash helps. This is much preferred especially among those who rely on their monthly salary alone. You will find tons of lenders as well as lending companies offering payday loans and other loans that could provide same day approval. The only key here is to find the best lender that would help you learn more about this loan. Through them, you will be able to get the best deal and offers. With the help of those legit instant payday loans UK providers, you will surely get the best service online ever.

Payday Loans Direct Lenders

For you to fully enjoy the offered benefits from payday loans, it is a must that you find first the best direct lenders who will help you out. Through them, you will learn more about this amazing loan and how it could help you pay those bills on time. Bear in mind that the entire transaction will be done online for this loan so be extra careful in choosing when choosing the right direct lender. To give you more heads up, here are some important pointers you should consider to help you find the best direct lender and avoid any issues in the future at the same time.

Here are some basic requirements you should adhere to get the approval you need on your loan application.


It is important that you are 18 years above before you could get approve by any loans. However, there are some lending companies online that do require their borrowers to be at least 21 years of age. To avoid any problems, make sure to confirm this with them first.


Another important thing they need from you is a proof that you are presently employed or have other means of income. This is essential since this loan has a high interest rate. They might actually even ask you to provide details with regard to your employment such as your company’s name and employer.

Bank account

You will get the cash you need the same day upon application. This is why you must have your own bank account. They will deposit the cash you need on your account and from there you will be able to withdraw at any time of the day. Don’t worry, they will not check your account or how much money you have in your bank. They just need a secured place where they could send the money you need.


One of the most important things to consider that would help you find the best direct lender for a payday loan is their availability online. This simply means that they are very much ready and prepared to provide cash assistance any time of the day, even during weekends and holidays. Since running out of cash is actually an unexpected event in one’s life, it is a must that people could find immediate assistance that would help them resolve their cash issues in no time. Another thing you must consider that would help you find the best lender online is their customer care service. This service must be able to provide you updated and accurate info and details in regards to your loan application.


Are they legit? Do they provide the cash help their clients need? It is important that you check the lender’s background first before you close or even make any deals online. There are in fact different ways which you could check their background. First is to read reviews. These feedbacks are actually posted from their previous clients. This will help you learn how they actually provide their assistance as well as they offered products to their clients. You will be able to learn as well their pros and cons. You will also find forums online discussing various kinds of online loans and their respective lenders. Through this, you might actually find the best one today.


One of the most important things to consider that would help you find the right direct lender is whether they are accredited by the FCA or not. Normally legit lenders should have an ad or banner on the lower part of their webpage directly linked to the FCA main site. This way you can be sure that they are legit in every way.


It is important that the lender you should trust exactly know how to treat their clients right. They should provide them with the info they need to know about their offered services and products. They also need to provide them reasonable interest rates and charges and never ask for any hidden charges and such.

Payday Loans No Guarantor

Unlike other loans offered online, payday loan does not require any guarantor. This means that you alone can apply for such loan and get the approval you need without further questions from the lender as to where and how you will spend the money you wish to borrow from them. In fact, their main concern is that you are capable of paying them back on time. A payday loan is readily available online and very much preferred especially during emergency situations. Here are some of the loans that also do not require any guarantor.

Doorstep loans

If you have no time to go to the lender’s office then doorstep loan is for you. Just like what the name implies, with this loan all, you have to do is to fill up the application form on the lender’s site and once done, you will receive a schedule which a representative from your chosen lender’s office will come over to your place. This is why you must provide the lender with your accurate and exact contact info such as your present home address. This way they would be able to locate you easily. Once settled, you will get to sign the contract and get the cash assistance you need that same moment. The representative will again pay you a visit the following week to collect your payment.

Personal loans

Again, this loan does not require any guarantor but you have to have a good credit line so as to get the approval you need. This loan is an unsecured loan so you don’ have to worry about providing any collateral to the lender.

Payday Loans with Guarantor

Though this loan is typically very easy to obtain and does not need any guarantor, there are some lending companies that do actually require a guarantor. When choosing for a guarantor, it is important that you take heed especially if you don’t actually know who’s going to be your guarantor. But you can always choose them. It could be your friend or your relative as long as he is responsible and would actually take any issues on your behalf, just in case.

ID check

The lender will need an ID of your chosen guarantor. They need to find and check his exact location as well as other contact details. This way, the lender would be sure that you are not just using anyone’s info just to get the cash you need. This is also under the law. Lenders can also check their social media accounts for further verification.

Affordability check

Your lender needs an assurance that you or your guarantor could actually pay the amount back on time. Lenders do check financial status so as to be sure that you can afford the loan you wish to apply for, be it secured or unsecured loans. They will not approve your loan application once they’ve found out that you are actually earning less than the amount of cash you wish to borrow. In fact, this will work as an advantage on your part since you will be able to pay them back on time and avoid those charges and penalties.

Credit check

Your guarantor must have a good credit line. Lenders do check guarantor’s credit line and score. This way they will have ideas on how this person actually manages his own credits. Having a bad credit could be a risky one. This is why lenders do check guarantors’ background thoroughly to avoid any problems in the future. Besides, they must be responsible enough to pay the loan back in case you failed to pay the lenders on time.

Payday Loans for Bad Credit

Now if you are worried because of your credit score, fret not. With payday loans for bad credit, you can easily apply for this same loan and get the cash help you need in just a matter of minutes. Lenders will no longer do those strict verifications and such. However, it is a must that you show them proof that you are capable of paying them back on time. This will avoid any issues in the long run. Even those who are already blacklisted then still apply for such loan and get approved. The only thing they must have is another source of income.

Here are some reasons why you should settle for such loan even if you have a bad credit line.


Unlike other loans offered today, this is the only loan which you could get if you have issues on your credit line. You will be able to apply for it online and at the comfort of your home. Lenders will no longer require you any complicated to prepare requirements. You just have to show them proof that you are presently employed or have other means of income. This way you will get the approval you need.


Unlike other loans today, with payday loans you will no longer to prepare those complicated to prepare documents and such. There will also be no strict background checks or whatsoever. This is why more and more UK residents preferred this loan especially those who are relying on their salary alone. It is also very convenient during emergency situations. Being employed or just by having another source of income will help you get approved for this loan today.

Unsecured and flexible

When it comes to their offered repayment plan, you can even talk this over with your lender. Though usually payday loans require an end of the monthly payment, you can still discuss this matter over with your chosen lender. This way you will be able to pay them back on time and avoid any charges at the end of the month. Lenders will provide you flexible term of payments that would help you pay them back without any issues on your end.

There are different kinds of loans which you can apply for, both online and offsite storefront. If you wish to get a new car then a car loan will surely help you out. If you wish to renovate your house then a good housing loan will do the trick. However, it is important that you only find the right kind of loan that will match up your needs and financial status. Bear in mind that these online loans may be easy to obtain but expect them to have higher rates as compared to other loans today. So the next time you run out of cash or need extra money to pay those bills, make sure to check out payday loans today.

Payday Loan FAQ’s

What is a payday loan?

A payday loan or a salary loan is a short-term loan designed specifically for emergency financial situations. They may or may not be linked to the borrower’s payday. Some financial institutions call it ‘cash advances’, however, the customer or consumer must have previous employment or payroll record.

Who is a typical payday lender?

When it comes to payday loans, lenders consider offering high-interest credit to borrower’s based on the size of their income and their overall credit profile. The loan’s principal is oftentimes a portion of the borrower’s next pay. Payday loans have very high-interest rates and they are for a short period.

What are the advantages of payday loans?

These loans are meant to help you solve emergency financial problems before your salary is paid. It protects you from having to pay for penalties that are associated with late payments. Ideally, your next paycheck will cover your payday loan, so you will only be indebted for a few weeks maximum!

Also, it is very easy to qualify for pay loans. This is because the requirements are very few-the only compulsory requirement is a stable source of income. Lenders tend to increase the amount you can borrow from them as long as you have a track record of repaying loans on time.

How long will I have to pay back the payday loan?

The repayment timeframe depends largely on the amount you borrowed, the lender’s policy and laws of the state. A Payday loan’s due date is usually when the next paycheck comes in or 8 to 35 days from the date the money was borrowed.

Can I extend a Payday Loan?

Some lenders allow their customers to roll over or renew their loans if they are unable to repay it in full on the due date. If you extend a loan instead of paying it back in full on the due date, you will be required to pay a fee. This feature is subject to the lender’s terms and conditions.

Can you secure two loans at once?

Some lenders allow customers to take multiple loans. Some States have financial laws in place which governs this type of loan should they arise. However, the second loan depends on the borrower’s ability to pay back both loans on the due date. No lender wants to give money to someone they are sure won’t be able to pay back. Before granting you a second loan, the lender will have to confirm that you can payback.

How much can I get from a payday lender?

The total amount you can get from a payday loan depends on your current financial condition and in some cases, state laws. However, borrowers can get up to 350 pounds at once.

See What Other Kinds of Loans We Do

Though we specialise in Doorstep or Home Collection loans, we also offer a wide variety of other forms of finance to help you find the perfect plan to suit your needs.



It doesn’t matter how much you are looking for or what your credit history is like, we will be able to find you the best rates possible.

Fairly self-explanatory and so easy to get, a £100 loan is for those times that you need a little extra cash and quickly. Nearly anyone can get one of these loans with no issues at all, regardless of your credit history.
6 Month Loans can be a variety of amounts, whatever you think will suit your needs. The term, however, is fixed at 6 months. What this means is that the rate is fixed, allowing you to get the best out of your money. If you are looking for a slightly longer term length then this is a great option for you.
We all know how hard it can be to save, each time you get some a new issue will arise and bring you a step back. It doesn’t have to be that way though, a car loan is perfect for when you are looking at getting a new vehicle. Car Loans allow you to get the vehicle you are looking for without the usual hassle. This way you can pay as you go with your car
Very much like a payday loan, the Cash Cow Loans market has become popular with those that have a bad credit history. The difference is that a Cash Cow Loan does not have to be repaid in one instalment at the end of the month but can instead be over a 3 month period for example.

This type of loan is designed specifically for those that have an extremely bad credit score and are very likely to be refused by any normal lender due to their high risk. A Guaranteed High Risk Loan means that anyone that has been refused multiple times in the past or those that have been blacklisted will still have the chance to get the money they need.


An Instant Cash Loan is for those that are in a hurry to get the finance now. By using this sort of loan you will find that you get the funds in no time at all. Once approved you will get the cash straight into your account within 15 minutes. Fast Loans is one of the fastest ways to gain access to money on the loan market. Even those that have been blacklisted will be able to apply.

These loans are very small by their nature, often the amounts borrowed are around the £100 mark and no more than £500. They are usually only taken out for a couple weeks and never more than a few months. Mini-credit Loans were designed for those unexpected moments like a surprise bill or a car problem.
In the modern world, we are able to use our mobile phones for so many different things. We can use them to order food or other items from the internet. We can use them for looking at our bank accounts, sending and receiving money on the go. We can use them for so many things, so why not for borrowing. Whether you have an internet connection and feel like doing a £100 Text Loan or whether you want to use an SMS Loan instead, both are easily done today.