Payday LoansFree Credit Reports

Payday Loans are designed for easy access to credit – most payday loan lenders will accept all manner of cases and will have very simple criteria. This usually means applicants must: be at least 18 years of age, have a minimum monthly income (around £300 or less) and be a UK resident. These payday loans (no credit check required) are processed on application and money is received quickly – often the same day.

Most payday loans range between around £80 - £800 but this can vary so check when applying. Below we have listed a range of payday loan providers and brokers. Compare all the main features but look for specific features which might be beneficial to your personal case too – such as a flexible term. Once you have chosen your ideal provider, just click on 'Apply'.

COMPANYTYPELOAN AMOUNTREPAYABLE £100TERMSID REQUIREDAPRDEBIT CARDBANK ACCOUNTAPPLY
PurplePayday.com
Broker£100-£750125%18 or over, in full time employment earning £750 per month. Payment should be within 31 days.None - Bank Account (debit card if possible but not required)1286.1%NoYes
Instant decision made - no need for faxing or posting information and no credit checks. Just complete the short application form. Debit card is not even needed - you just need a bank account. Application is very easy and very clear. Apply before 3pm Monday to Friday funds will be deposited into your account the same day. Apply after 3pm and funds will be deposited the next working day.Services

Services

Payday Loan Broker


Advantages

Advantages

1. Funds deposited very quickly - can be same day.
2. Easy to understand and use application form.
3. Every 100 customers will be entered into a random prize draw to receive £100 cash back into their account instantly.
4. Debit card not necessary to receive funds (though may help).


Disadvantages

Disadvantages

1. Have to be earning £750 per month.
2. High APR.

Payday Bank
Broker£80-£750125%Name, current address, 2 contact phone numbers, email address, work and income details, bank account detailsGenerally not required – Payday Bank offer instant online approval1355%NoYes
Payday Bank provides access to many payday loans - no credit check needed. Borrow any amount between £80 and £750 payable within 31 days - though it is possible to roll the loan over 2 times - ie 3 months total. A simple debit card transaction is used for repayment. Services

Services

Payday Loan broker


Advantages

Advantages

1. Possible to roll the loan over 2 times - ie 3 months total
Same day deposit.


Disadvantages

Disadvantages

1. High APR.

Quick Quid Payday Loan
LenderUp to £1000120% - 129.5%Applicants must have a valid bank account, receive a regular paycheque, be at least 18 years of age and a UK resident.No - nothing to fax, no paperwork to post1733.5%NoYes
EXCLUSIVE OFFER! Use promo code BCGS30 to save 30% on a short-term loan from QuickQuid. Get up to £1000 today! Free same-day funding! (New customer get up to £1000, existing customers get up to £1500). Apply online in five minutes from the comfort and privacy of your own home. We only charge interest for the length of time you borrow from us. At QuickQuid, we are completely upfront about the cost of our cash advances — there are no hidden fees. See QuickQuid Rates & Terms for details.Services

Services

Payday Loan Lender


Advantages

Advantages

1. Up to £300 in your account next day.
2. Apply in five minutes.
3. Instant Approval.
4. Bad Credit OK.
5. Over 1 Million Customers serviced.
6. You can choose to repay the loan ove one or two pay periods, plus if you repay early, you pay back less.
7. Improve your credit.


Disadvantages

Disadvantages

1. New Customers can only get £300.
2. High APR.

Safeloans Ltd
Lender£50-£500From 101% to 129%Applicants must be 21 years of age living and working in the UK. Wages must be paid directly into a UK bank account.Generally not required – Safeloans Ltd offer a ( 2 Hour Online Approval )2120.1%YesYes
Safeloans Ltd offers cash loans the same day and at a daily rate. You only pay the interest for the length of time you borrow the loan. Traditional ‘PayDay lenders’ charge interest for a full 30 days, no matter how long you borrow the money for. Safeloans Ltd offers a quick and easy online application with instant approval decisions and same day cash transfers. Apply online in minutes and get cash in your bank today. Services

Services

Easy Online Application


Advantages

Advantages

1. Daily Rate Of Interest
2. Easy Online Application
3. Same Day Payout


Disadvantages

Disadvantages

1. High APR.
2. Payday loans are not a solution for long term financial problems.

Payday UK
Lender£80-£750£12525% charge with 30 day repaymentBank and debit card details1355%YesYes
Payday UK offer payday loans for up to 30 days which should be repaid in one single payment on your payday. Payday UK do not charge any administration fees if you decide to take a loan out with them, they do however, charge you £25 per every £100 borrowed.Services

Services

Payday Loan Lender


Advantages

Advantages

1. Quick and easy to apply online.
2. Money can be deposit straight into your bank account.
3. They have a good acceptance rate.


Disadvantages

Disadvantages

1. They will charge you the sum of £10 per letter for the second, third, fourth and fifth letter that they send to you in respect of the collection of any outstanding sums on your account

1st Stop Loans
Lender£100 - £200125%Applicants must be 21 or over, in full time employment earning £800 per month. Payment should be within 31 days.Debit card and a recent bank statement1286.1%YesYes
Borrow from £100 to £200 with a 1st Stop Payday loan. Quick online application with an immediate response from a dedicated payday advisor. Apply today and you could receive the money the same day (for loans approved before 3pm). Debit card and bank statement covering the last 30 days required.Services

Services

Payday Loan Lender


Advantages

Advantages

1. Same day decisions available
2. Loans can be provided the same day
3. 1st Stop lend you the money


Disadvantages

Disadvantages

Wonga
Lender£1-£400From 105% to 129% dependant on termApplicants 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. None - just bank account and debit card required.2689%YesYes
Wonga.com is the unique ‘same day cash’ lender – you only pay the interest for the length of time you borrow from us. Traditional ‘PayDay lenders’ sting you with interest for a full 30 days, no matter how long you actually need the money for. If you pay back early, they still charge you the full amount. With Wonga.com, if you pay back early, YOU PAY BACK LESS. You pay the interest to that day ONLY. We are also the FASTEST lender; if accepted, you'll get the money in your bank account within 15 MINUTES, GUARANTEED. So if you want a loan to suit your needs, rather than the lenders’, come to Wonga.com – little loans. lots of control.Services

Services

Payday Loan Lender


Advantages

Advantages

1. Very user-friendly calculator / sliding scale on homepage to view your possible loan, term and interest.
2. Choose your repayment by the day - the shorter the loan the less you pay


Disadvantages

Disadvantages

1. APR is high - though loan is only 31 days maximum.

Quid Till Payday
Broker£80 - £750Dependent on lenderYou must be at least 18 years of age, have a job, and receive regular pay.Personal details and income informationDependent on lenderYesYes
Quid Til Payday offer Payday loans between £80 - £750. You can apply online and the cash will be directly deposited into your bank account is as little as 1 hour with no hassles. You can obtain £750 even if you have bad credit and you will receive an instant decision on your application as soon as you apply.Services

Services

Payday loan broker


Advantages

Advantages

1. No Credit Check
2. Free to apply.
3. Cash within hours.
4. Instant decision


Disadvantages

Disadvantages

1. You must submit your details to find out APR and amount repayable on £100.
2. You must have a bank account

Lending Stream Payday Loan
Lender£80-£1000N/ASteady monthly income, 18 years and above, residence in the UK, bank account with direct deposit, valid debit card, take home of £750 per month.NONE2641%YesYes
Lending Stream offers online payday loans up to £400 for new customers and up to £1000 for existing customers. The loan product offers you flexibility in repayment so you can pay back the loan in 30 days or take as long as 6 months (depending on the loan amount approved). You can choose to pay in instalments or make an early payment (without prepayment penalties) to minimize the total interest. News: Avail free CHAPS (same day) transfer in December by being among the first 20 customers of the day! Conditions apply. Rush..!Services

Services

Payday Loan Lender


Advantages

Advantages

Same day CHAPS (FREE for first 20 customers each day in December!) and free BACS (2-3 days) transfer options
Two-minute application process
Instant decision
Existing customers can receive up to £1000
Flexible Repayment Plan - repay in 30 days or avail automatic rollovers for lower monthly repayment amounts (up to 6 months depending on amount)


Disadvantages

Disadvantages

New customers receive only up to £400

TxtLoan Payday Loans
Lender£100£110You must be living in the UK, get a regular minimum £400 income, have mobile phone and e-mail addressReachable on the phone and they are able to validate your debit card894%YesYes
TxtLoan offer a fully online and easy to access Payday loan service. You can apply online, follow the instructions on the display, confirm your credit agreement and the money will be sent to your bank account instantly. You can apply for £100 anytime you want.Services

Services

1. Your account will be active for 3 months


Advantages

Advantages

1. Loans approved in minutes
2. Cash transferred to your account instantly
3. Control your borrowing You receive the cash in your bank account within minutes
4. They debit your account seven days later
5. You continue to use their service whenever you need it most
6. Receive £10 if you refer a friend
7. Mostly faxless
8. Opened Monday -Friday 24h a day S-T 10 am - 6.30 pm


Disadvantages

Disadvantages

1. £1 handling fee (plus your standard network rate) will be charged to your mobile phone for each text message you send
2 You can only borrow £100
3 You must remebner your PIN, as you need it to log in into the system and each time you apply for a loan via SMS text message.
4 Loan overdue administration fee £25

Cash Genie
Lender£75-£750130%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.Generally not required
Cash Genie offer instant online approval
2330%YesYes
Borrow £75-£750. Cash Genie are one of the newest and quickest growing payday loan companies in the U.K. Apply online or on the phone and you could have the money in your account today. They charge £30 for every £100 borrowed.Services

Services

Payday Loan Lender


Advantages

Advantages

Quick service
Great customer service


Disadvantages

Disadvantages

Payday Express
Lender£80-£800125%Applicants 18 years living and working in UK. Wages paid directly into a UK bank account and must have debit card.Generally not required – Payday Express offer instant online approval.1286.1%YesYes
Borrow £80-£800. Payday Express offer a quick and easy online application with instant approval decisions and same day cash transfers. Apply online in minutes and get cash in your bank today! They charge £20 for every £80 borrowed.Services

Services

Online Payday Loan Lender.


Advantages

Advantages

1. Easy online application.
2. Same day cash.


Disadvantages

Disadvantages

1. High APR.

247 Cashline Payday Loans
Broker£100-£1000125%18 or over, in full time employment earning £750 per month. Payment should be within 31 days.None - Bank Account and debit card only1355%YesYes
Cash available for you 24/7 - Complete the short application form. Within a few moments 247 will let you know if you have been approved. Then just accept your loan agreement electronically simply via the internet. If you apply before 3pm Monday to Friday they will deposit into your account the same day. Apply after 3pm and they will deposit your funds on the next working day. If you need funds in your account on a Monday then simply apply over the weekend and they will take care of the rest.Services

Services

Payday Loan Broker


Advantages

Advantages

1. Can apply over weekend and get money by Monday.
2. Apply before 3pm Mon-Fri and you can get the cash the same day.
3. Various Lenders approached to find you the best chance for a loan.


Disadvantages

Disadvantages

1. High APR.

Today Loan
Broker£100 to £1000generally 25% (dependent on lender).Aged 18 or older in employment or self-employment. Payday Loans to be paid back on next pay daySome lenders will not ask for identification but you will need to provide bank account details1737NoYes
Today Loan offer customers throughout the UK an unrivalled chance of being approved a Payday Loan by comparing the Payday Loan market for you - so you do not have to. By working directly with UK Payday Loan Lenders we can have a decision to you instantly and the opportunity to have the money deposited into your bank account the same day you apply. Today Loan make the whole process of applying for a Payday Loan simple. A 2 minute application form - instant search of lenders - quick access to your money. Services

Services

Payday Loan Broker


Advantages

Advantages

Excellent acceptance rate
Quick and simple application form
Same day approval and access to your money possible
You may not need to provide any paperwork
Some lenders will not need to credit search you


Disadvantages

Disadvantages

You need to be employed or self-employed

Flex Cash
Lender£80-£1000£130Applicants must be over 18 years of age, residing and working in the UK. They should receive a minimum monthly salary of £750, paid directly into a UK bank account. A valid debit card is mandatory.No documentation required generally2641.10%YesYes
Flex Cash, as the name suggests, is a lender offering complete flexibility in transactions. If you are looking for a repayment plan that allows you to manage your monthly cash flow more effectively, you have reached the right place. You also get to choose between same-day paid transfers and 3-day free transfers. Loan amounts range from £80-£480 for new customers. If you are a repeat customer, you may receive up to £1000. The application process is simple and it takes just a few seconds for the decision to come through. Services

Services

Payday Loans


Advantages

Advantages

Cash within 24 hours
Flexibility in repayment
Instant Decisions
Secure transactions, no documentation


Disadvantages

Disadvantages

A nominal fee of £15 for ‘Express Cash’ same day transfers.
Payday loans are not a long term solution for financial problems

Lending Pounds
Lender£80 - £1000£125
1. Over 18 years of age.
2. Have residence in the UK.
3. Be in regular employment
4. Have a current checking account with a valid debit card.
Current checking account with a valid debit card2641%YesYes
Lending Pounds is an online payday loans service who offer short term cash advances ranging from £80 - £100. This is an unsecured loan which can be used anyway you want. Once you have been approved, your loan amount will be automatically deposited into your account.Services

Services

1. If you default on your payment on the due date, they will charge an initial arrears fee of £12.
2. If this continues an additional default fee of £10 will be charged.


Advantages

Advantages

1. Fast and easy way of obtaining cash.
2. Simple online application form.
3. Payment via BACS is free of charge but it takes up to 3 days to reach your bank account.


Disadvantages

Disadvantages

1. High rate of interest.
2. You can choose to receive your loan the same day (CHAPS) at a cost of £15.

RedHouse Financial
Broker£80-£750125%18 or over, must be employed with salary paid directly into a bank account.Generally not required – instant online approval.1355%NoYes
Instant Approval - Approved in 1 minute. Get up to £750 in Your Bank Account Today. All Online – No Paperwork. Short and Easy Online Form - No Credit Checks Required. Apply before 3pm Monday to Friday funds will be deposited into your account the same day. Apply after 3pm and funds will be deposited the next working day. Get Cash in Minutes!Services

Services

Online Payday Loan Broker.


Advantages

Advantages

1. One application, multiple lenders.
2. No faxing of documents required.
3. Same Day Deposit.
4. Loan can be rolled over into next payday if needed.
5. Multiple Lenders.


Disadvantages

Disadvantages

1. Credit check is processed per application.
2. High APR.

Mr Lender
Broker£50-£500£125Must be over 18 and have valid debit card linked to bank account the money is placed into. Must also earn over £750 per month. An underwriter may contact you at work to confirm your employment details.Sometimes bank statements or utility bills are required, but very rarely.1990YesYes
MrLender.com is one of the newest payday loans lenders to come to market in the UK. He currently charges £25 for every £100 that is borrowed. There is an option to have the money in your bank account within the hour, if required.Services

Services


Advantages

Advantages

Same day money No need to fax documents Borrow from as little as £50


Disadvantages

Disadvantages

Maximum loan is £500

Get Me To Payday
Broker£80-£750125%Applicants must be 18 (or over) years of age, employed and reside in the United Kingdom (England, Northern Ireland, Scotland, or Wales), and have salary paid directly into a bank account.No1355%NoNo
Borrow between £80 and £750, over a period of 15, 30 or 60 days. 25% borrowing fee. You can even get your loan in the same day. Within a minute a message will appear stating whether your application has been approved. No documentation is required.Services

Services

Payday Loan Broker


Advantages

Advantages

1. No documentation required.
2. Repayment term can be between 15 and 60 days.
3. Same day loan possible.


Disadvantages

Disadvantages

1. High APR

UKPayDayToday.co.uk
Broker£80 - £1000Ask on applicationYou must be over 18 and in permanent employmentBanking and employment informationAsk on applicationYesYes
UKPaydayToday.co.uk match consumers with prospective payday loan lenders participating in their network of payday loan lenders. You can borrow between £80 and £1000 even if you have bad credit. Funds can be deposit into your bank account within 24 hours of applying for a payday loan.Services

Services

Payday loan broker


Advantages

Advantages

1. Immediate approval.
2. Poor credit, no problem.
3. Funds are deposited directly into your checking account within 24 hours
4. You can receive up to £1000


Disadvantages

Disadvantages

1. The webiste has limited information on it.
2. You have to apply to obtain the fees and rates

CUS4 Loans
Broker£200 to £15,000On applicationThey work with several leading Loan Specialists and send your application to one at a time, until your loan is approved.Name, address, telephone, email, date of birthDependent on lenderYesYes
Whatever you need a loan for, Cus4Loans can find you loans of between £200 to £15,000. No matter if you have been turned down elsewhere - Cus4Loans can find lenders willing to take on even self employed applicants, as well as those with poor credit.Services

Services

Borrow between £200 and £15,000


Advantages

Advantages

Borrow between £200 and £15,000
Poor credit history applicants are eligible
Self employed, tenants and homeowners all welcome


Disadvantages

Disadvantages

APR only stated after application (as this is a broker)
There may be additional broker fees of up to £49

The MoneyFinders
Broker£100 - £750£125You must have a valid bank account, be at least 18 years old, employed and receive a regular paycheque.Bank account and employment details1355%YesYes
TheMoneyFinders provides consumers with instant access to a number of top payday loan providers. You can easily apply online and TheMoneyFinders will attempt to match you with a lender willing to loan you up to £750. The repayment is usually debited from your next paycheck with the use of your bank debit card.Services

Services

Payday loan broker


Advantages

Advantages

1. Bad Credit OK.
2. No faxing required.
3. Instant approval
4. Obtain up to £750


Disadvantages

Disadvantages

1. Not all lenders can provide up to £750
2. The average first time payday loan amount varies between £185 to £200.

Knightsbridge Lending
Broker£100 - £750Ask on applicationSee website for detailsPersonal and Work informationAsk on applicationYesYes
Knightsbridge Lending lend you up to £750 which can be deposit straight into your bank account. They provide you with a safe, secure, 100% online application. You can receive approval in seconds from the privacy of your own home.Services

Services

Payday loans


Advantages

Advantages

1. No credit check.
2. Cash in 24 hours.
3. Safe, Secure, 100% Online Application.
4. Up to £750,000 deposited direct to your account.
5. Approval in seconds from the privacy of your own home.


Disadvantages

Disadvantages

1. There is limited information on the website.
2. You have to apply to obtain the APR and fees.

Thames Financial Loan Services
Broker£80 - £750VariableVariable - Thames Financial is a Payday loan broker, so various lenders are used. They may have varying terms.Personal and Employment details1286.1%YesYes
Thames Financial are a payday loans broker. You simply enter your requirements on an quick and easy online form; then they will try to find you a loan that suite your needs. Get between £80 to £750Services

Services

Payday Loan Broker


Advantages

Advantages

1. No credit checks
2. Easy One-Page Application
3. Thames Financial are a Broker so will try several lenders


Disadvantages

Disadvantages

1. You are not dealing with the actual lender directly

Payday Search
Broker£80-£750125%Applicants must be 18 (or over) years of age, employed and reside in the United Kingdom (England, Northern Ireland, Scotland, or Wales), and have salary paid directly into a bank account.Dependant on Lender1355%NoYes
Payday Search will search the web to try to find you a loan that suits you. You just need to fill in a 1 page form, Payday Search will search lenders for a loan, and you will get an instant decision. Your money will be available in 24 hours or less.Services

Services

Payday Loan Lender


Advantages

Advantages

1. Payday Search will look at many lenders to find you a loan.


Disadvantages

Disadvantages

1. Varying APR dependant on lender.

Provident Personal Credit Loan
Lender£50 - £500 (Larger loans may be available to existing customers)272.2%Applicants must be at least 18 years of age and a UK resident. Repayment period 23, 31 or 50 weeks.You will require proof of ID, address and income. National Insurance number may be required.272.2%NoNo
£50 to £500 cash loans could be delivered to your door within days. Applications are considered even if you are unemployed, have a poor credit history or have been turned down for credit before. Example: Loan amount: £300, 52 weekly repayments of £10.50 Total amount payable £546. Typical 272.2% APR Services

Services

Payday Loan Lender


Advantages

Advantages

1. 23, 31 or 52 weeks to pay back the loan depending on amount borrowed.
2. Payments collected weekly by an agent to help you budget.
3. APR is much lower than other quick cash loans.
4. No debit card or bank account needed


Disadvantages

Disadvantages

1. High APR

Speed-e-loans
Lender£80 - £1000£125
You can apply for between £100 and £250 the first time you apply for a speed-e-loan.
The maximum speed-e-loan is £1000
 
Bank account and Debit Card2334YesYes
Speed-e-loans offer you the chance to bridge the gap between your available cash and your payday with a short term loan. Speed-e-loans clearly state what the re-payment of your cash advance is before you commit to the loan. You can initially request to borrow up to £250 and as long as you pay this back at the agreed date, you will be eligible to borrow up to £1000.Services

Services

1. You can have cash in your bank within 2 hours
2. Restricted repeat borrowing


Advantages

Advantages

1. If you have to move your repayment date to your following payday, you can apply for a sameday loan.
2. You can work to improve your credit score every time you repay a short term loan
3. Restricted repeat borrowing.
4. Helps you to avoid bank charges.
5. You can have cash in your bank within 2 hours.
6. Managed 100% online.
7. You can initially request to borrow up to £250 and provided you pay back on the agreed date, you can qualify to apply for higher loans.
8. There are no hidden charges.


Disadvantages

Disadvantages

1. Add a £4.95 fast transfer fee
2. You will incur a £9.95 fee if your payment can't be collected and interest will continue to accrue.
3. Is only intended as a short term measure until your next payday and should not be used for long term financial difficulties.

Payday Finder
Broker£80-£750125%Applicants must be 18 (or over) years of age, employed and reside in the United Kingdom.No - may help to find a lender if you provide National Insurance number.1400%NoNo
With Payday Finder, you can borrow between £80 and £750 immediately abnd you will know right away the status of your payday loan advance as ypu get an instant decision on application. There are no credit checks, and you can get your money as quickly as the same day.Services

Services

Payday Loan Broker


Advantages

Advantages

1. Instant Decision.
2. No credit checks.
3. Payday broker - so will approach several lenders.


Disadvantages

Disadvantages

1. Interest and APR rate not stated - dependant on lender.

Cash Rush Online
Broker£80-£750125%Various lenders so terms and conditions will be variable.None - just a bank account1355%NoYes
Cash Rush Online are an online Payday Loan broker with 6 lenders - so they will contact 6 lenders to try and find you the Payday Loan you need and increase the chances of a loan. No fax or documents reuqired.Services

Services

Payday Loan Broker


Advantages

Advantages

1. Will search 6 lenders to find the loan you need.


Disadvantages

Disadvantages

1. High APR.

Payday Financial Loan
Broker£80-£750125%Valid bank account that can receive direct debit, 18 or over, employed and receive a regular paycheque or salary, United Kingdom resident.Generally not required - depends on lender1355%NoYes
Borrow from £80 - £750 with PayDayFinancial! It's all online, takes just minutes to apply and you could have the money in your account within an hour (if approved before 3pm on a weekday). PayDayFinancial is one of the UK's leading online brokers of payday advances, helping over 2,000 customers a month.Services

Services

Payday Loan Broker


Advantages

Advantages

1. Same day cash loans available.
2. Number of lenders will be approached to offer you a loan.


Disadvantages

Disadvantages

1. Payday Financial is not the actual lender - it is a broker that helps find you the loan.
2. High APR.

123 Payday
Broker£80-£1,000125%Minimum annual income only £4,000. Pay within 30 days.No 1355%NoNo
Enter your details in the form for a loan between £80-£1,000. Minimum annual income only £4,000.Services

Services

Payay Loan Broker


Advantages

Advantages

1. 123 Debt Solutions can also advise you of any other loans available.


Disadvantages

Disadvantages

1. High APR.