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Payday Loans

If you need a small cash loan for a short period of time

I'd like to borrow:

Amount to borrow:

For how many days:

Likely Loans

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Terms & Conditions

Please remember, no legitimate lender will ask for any upfront fees

Make sure you meet the following criteria:

Representative Example: Borrowing £2,000 over 24 months at Representative 59.9% APR and Interest rate 59.9% p.a. (fixed) with monthly repayments of £131.05 and a total amount payable of £3,145.20.

Everyday Loans

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Terms & Conditions

Please remember, no legitimate lender will ask for any upfront fees

Make sure you meet the following criteria:

Representative Example: Borrowing £3,000 over 2 years at an interest rate of 67.9% p.a. (fixed), you will repay 24 monthly payments of £231.78 per month. Interest payable £2,562.75. Total amount payable £5,562.75. Representative 93.6% APR. Rates from 24.2% to 299.9% max APR.

Savvy.co.uk

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Terms & Conditions

Please remember, no legitimate lender will ask for any upfront fees

Make sure you meet the following criteria:

Representative Example. Borrow £1,250 - 15 monthly repayments of £166.66. Total cost of credit £1,249.90 which is £1,249.90 interest at 122.96% pa fixed. Total amount repayable £2,499.90. Representative 231.4% APR.

Loans 2 go

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Terms & Conditions

Please remember, no legitimate lender will ask for any upfront fees

Make sure you meet the following criteria:

Representative example: If you borrow £600 over 18 months at a flat rate of 205.2% per annum (fixed) with a representative 989.9% APR you will make 17 monthly payments of £135.93 and 1 payment of £135.99, repaying £2,446.80 in total.

Mr Lender

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Terms & Conditions

Please remember, no legitimate lender will ask for any upfront fees

Make sure you meet the following criteria:

Minimum age  18

Representative Example: Borrow £400 for 6 months, repay with 6 payments — payment 1: £162.66, payment 2: £146.46, payment 3: £130.57, payment 4: £114.67, payment 5: £98.47, payment 6: £82.57 . Rate of interest 0.80% per day on outstanding capital. Total repayable £735.40 (based on 30 day periods). Interest rate 292% per annum (fixed). Representative 1244.20% APR.

Ferratum

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Terms & Conditions

Please remember, no legitimate lender will ask for any upfront fees

Make sure you meet the following criteria:

Bank account with salary credit needed

Representative example: APR 1270% if borrowing £400 for 4 months. Interest: £265.48. Interest rate: 292% p.a. (fixed). Total amount repayable: £665.48 by four instalments of £166.37. Maximum representative APR: 1604% if full loan repaid after 7 days.

Piggy Bank

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Terms & Conditions

Please remember, no legitimate lender will ask for any upfront fees

Make sure you meet the following criteria:

Representative Example: Amount of credit £250.00 for 30 days Total amount payable £310.00 Interest rate 292% (fixed) Interest £60.00

247Moneybox

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Terms & Conditions

Please remember, no legitimate lender will ask for any upfront fees

Make sure you meet the following criteria:

Bank account with salary credit needed

Representative Example: Total amount of credit £80, duration of the agreement 29 days, rate of interest 292% per annum (fixed), total amount payable (in one repayment) £98.56.

warning

Warning: Late repayment can cause you serious money problems. For help go to moneyadviceservice.org.uk

Pros

Cons

  • An option if you can’t get credit elsewhere
  • The process is simple and fast
  • Can help you cover bills or rent payment
  • Repaying it on time can quickly boost your credit score
  • You need to pass a credit check
  • Higher interest rates than other loans
  • Only small amounts available
  • Debt can add up quickly if you don’t repay it on time
Question icon

Is A Payday Loan The Right Option For Me?

Payday loans are widely seen as your last port of call if you are struggling to find credit. They’re basically to help people cope with an unexpected expense before they next get their income, and not for general monthly outgoings.

No, the application process is free.

Borrow the absolute minimum amount you need.

Borrow for the shortest possible time for which the money is needed - avoid rolling or extending the term unless you absolutely have to.

Usually you get a decision within minutes, during normal working hours, but occasionally if you apply at the weekend you will hear back on Monday

Some lenders offer a soft check first. It’s worth checking on each lender’s website before you apply.

If you make too many applications for credit it will appear as a footprint on your credit report and can lower your credit score. Being declined itself won’t affect it - but several applications will.

Yes. These loans are designed for people with poor credit. However, there are minimum requirements for eligibility.

Yes. These loans are designed for people with poor credit. However, there are minimum requirements for eligibility.

You need to be over 18 and usually in at least part time employment, with no CCJs (County Court Judgement) in the last 12 months and you can’t be in an IVA (Individual Voluntary Arrangement) or debt management plan at the present time.

You usually get the funds within two hours of approval.


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Find loans likely to say ‘YES’. All circumstances welcome. You could receive money today!