Payday Loans No Credit Check Free Credit Reports

If you need instant cash or have to pay for something very quickly, maybe even on the same day, payday loans might be an option. If you are over 18, have a minimum monthly income of around £300 and live in the UK it is usually easy to get a payday loan. It is usually not necessary to have a good credit rating when applying for payday loans (no credit checks is required in most cases). Most payday lenders will pay out amounts between £80 - £1000. Check how much money you can borrow by comparing the pay day loans on our list below. Compare all the features of each loan and make sure you will actually be able to pay back the loan and all fees connected to it. Once you have made your choice just click on 'Apply' for more information or to make an application. Be aware that the interest on payday loans is often very high and it is important to be certain that you can afford the loans you apply for. Work out exactly how much you need to borrow and be sure to compare the different payday loans below.

COMPANYTYPELOAN AMOUNTREPAYABLE £100TERMSID REQUIREDREPRESENTATIVE APRDEBIT CARDBANK ACCOUNTMOBILE PAYDAYAPPLY

Fast Online Payday
Fast Online Payday

Broker£100 - £1000£125View

Terms

18+ years of age, employed or self employed, earning min £650 per month. Repay on your next payday.

View ID

Identification

No paperwork, nothing to fax

1734%
Example

Representative Example

1734% (Representative APR) - For every £80 you borrow you pay £20.

NoYesYesFast Online Payday
Apply online for Fast Online Payday and you could receive up to £1000 in your bank account today. This is a fast and efficient payday loans service, the application is really quick and the loans are usually taken over a period of less than 31 days. There are no awkward questions just simple qualification criteria.Please make sure that read the terms and conditions of this loan before you make an application. This will ensure that you fully understand your financial obligations. Click apply for the application form.Services

Services

Payday Loan Broker


Advantages

Advantages

1. Fast Application
2. Instant Approval
3. No Paperwork 4. There are no hidden or administrative costs


Disadvantages

Disadvantages

1. Payday loans are not a long term solutions for financial problems.

Payday Pig
Payday Pig

BrokerUp to £1000£125View

Terms

You must be over the age of 18 and reside in the UK.

View ID

Identification

Bank account necessary

1737%
Example

Representative Example

1737% (Representative APR) If £100 was borrowed for a period of 31 days at a fixed rate of £25 per £100 borrowed, the total amount repaid would be £125.

YesYesNoPayday Pig
If you’ve found yourself pushed in to a tight financial corner payday loans can often help you out before your next payday. With high acceptance rates and a quick payday loans online application process that does not involve phone calls and paper work, Payday Pig has formulated a lending system that gets you cash quickly to aid you before your next payday. Please make sure that read the terms and conditions of this loan before you make an application. This will ensure that you understand your obligations.Services

Services

Emergency Cash Solution


Advantages

Advantages

1.No Paperwork
2.No Phonecalls
3.Simple Application Process


Disadvantages

Disadvantages

1. You must be over 18
2. You must reside in the UK
3. Bank account required

QuickQuid Payday Loans
QuickQuid Payday Loans

LenderUp to £1000£125View

Terms

Applicants must have a valid bank account, receive a regular paycheque, be at least 18 years of age and a UK resident.

View ID

Identification

No - nothing to fax, no paperwork to post

1733.5%
Example

Representative Example

Total Amount of Credit: £50; Representative APR: 1734%; Duration of Agreement: 30 days
Total Charge of Credit: £14.75 Total Amount Payable: £64.75. Address: QuickQuid, 483 Green Lanes, London, N13 4BS

NoYesYesQuickQuid Payday Loans
EXCLUSIVE OFFER! Save 25% on a cash advance of up to £1000 from QuickQuid with promo code BCGS25. Get cash in 10 minutes at no extra cost, even on weekends! Existing customers can even get a payday loan of up to £1500. You do not need perfect credit for a Quick Quid loan and the payday loans application process takes five minutes. See QuickQuid Rates & Terms for details. Quick Quid are currently offering 30% off with the code BCGS30. Read the terms and conditions.Services

Services

Payday Loan Lender


Advantages

Advantages

1. Up to £1000 Today, Free Same-Day Funding
2. Save 30% with promo code BCGS30
3. Apply in 5 Minutes from the Comfort and Privacy of Home
4. Quick Approval
5. Less-than-Perfect Credit OK


Disadvantages

Disadvantages

1. High APR.

Today Loan
Today Loan

Broker£100 to £1000£125View

Terms

Aged 18 or older in employment or self-employment. Payday Loans to be paid back on next pay day

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Identification

Some lenders will not ask for identification but you will need to provide bank account details

1990%
Example

Representative Example

2957% APR variable. £300 borrowed over 1 month would equal total borrowing of £375. Actual Interest is 25%

NoYesYesToday Loan
Today Loan has tailored a service that makes the loan application process simple. Fill out a two minute application form and an instant search of payday loan UK lenders takes place, offering customers an unrivalled chance of being approved for Payday Loans by comparing the market for you. Today Loan works closely with UK Lenders in order to insure that instant decisions are made and you always have the opportunity of having money in your account by the end of the day.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

Pounds to Pocket
Pounds to Pocket

Lender£100-£2,000£115View

Terms

•Have a valid bank account •Receive an income through employment or self-employment •Be a resident of the United Kingdom •Be at least 18 years of age

View ID

Identification

None needed

278%
Example

Representative Example

£500 loan borrowed for 365 days with a monthly payment schedule and 12 payments of £79.09 each has an applicable Representative 278% APR

YesYesNoPounds to Pocket
Pounds to Pocket offers 12 month personal loans to hundreds of customers in the UK every day. Pounds to Pocket customers get receive loans up to £2,000, and the money can arrive in their bank account within 10 minutes of approval. For 20% off fees, enter this code when you apply: CJ20Services

Services

Loans Lender


Advantages

Advantages

1. Loans are available for up to 12 months
2. 5 minute application form
3. Funds in the account 10 mins after approval
4. Much lower APR than payday loans
5. Credit Today 2012 Credit Today Awards 2012 Finalist - Alternative Lender of the Year


Disadvantages

Disadvantages

May be more difficult to qualify than a payday loan

Shopacheck
Shopacheck

Lender£100-£500£133View

Terms

Up to 50 weeks

View ID

Identification

Initially personal and financial details

399.7%
Example

Representative Example

£300 loan repayable over 32 weeks at £15 per week, Rate of interest 60% fixed; Representative 399.7%APR, Total Amount Payable is £480. No Deposit.

NoNoNoShopacheck
Apply online today and you could get a cash loan of £100 to £500 that can be repaid in up to 50 weeks time! No bank account is required, the money will be dropped off directly to your home at a time that suits you. Individuals with all credit backgrounds are eligible for this loan and can enjoy affordable weekly payments from their home at a time that suits you.Services

Services

1. Quick Cash Loans - simple, easy and delivered direct to your door. When money's tight and you need a quick decision, apply for a Shopacheck cash loan - it couldn't be easier.
2. Bad Credit Loans - CCJs, mortgage arrears or a bad credit history? With a bad credit loan from Shopacheck, you can get £500 within a few days to spend on whatever you like.


Advantages

Advantages

1. Shopacheck offer a short term loan for a maximum of 50 weeks
2. The applicant does not require a bank account
3. Borrow from £100 to £500 per month
4. The money is delivered to the applicants home
5. Payments are collected from the applicants home, hence no need for a traditional bank account


Disadvantages

Disadvantages

1. In order to qualify for a new or additional loan you must have kept up regular payments on your existing or previous loan. Your Agent will also consider your personal circumstances when discussing a loan with you.
2. There are no charges for late payment, but there will be an £11 charge for returned cheques.
3. As we are required by law to share data with Credit Reference Agencies, poor repayment history may affect your Credit Rating.
4. If you breach the loan agreement, we reserve the right to recover all legal costs and expenses incurred in recovering monies from you.

Peachy Short Term Loans
Peachy Short Term Loans

Lender£50-£500£135View

Terms

UK Resident; 18 years or over

View ID

Identification

Bank account needed

1058%
Example

Representative Example

£200 borrowed over 2 months = 2 payments of £148.58

YesNoNoPeachy Short Term Loans
Peachy short term loans is a different kind of short term loan - you have the choice of up to 5 months to repay the loan rather than the one month of traditional payday loans. Borrow up to £500, available in 15 minutes!Services

Services

Loans Lender


Advantages

Advantages

Funded just within hours
Easy payment options
Up to 5 repayment options
Low APR


Disadvantages

Disadvantages

Maximum loan of £500

Sunny Loans
Sunny Loans

Lender£100-£1000Dependent on time scaleView

Terms

18 years old, are a UK resident and have a UK bank account and debit card

View ID

Identification

Only in certain circumstances

1971%
Example

Representative Example

Representative 1971% APR (variable) based on an assumed credit limit of £350.✝ Representative example: £350 borrowed for 12 months. Interest 345% p.a. variable. Total amount repayable £1267.80 in 12 payments of £105.65 per month. Total cost for credit £917.80 comprising interest of £917.80.

YesYesNoSunny Loans
Cash is sent to your bank within 15 minutes, if approved. 5 days to change your mind - just return the cash no questions asked. Flexible terms and repayment dates for repayment.Sunny Loans offers the best payment options on quick loans.Services

Services

Loans Lender


Advantages

Advantages

Lower interest with on-time payments
Flexible payment schedules
No Fee Guarantee
5 days to change your mind


Disadvantages

Disadvantages

Like most payday loans; should not be use for long term borrowing

Cash Lady
Cash Lady

Broker£50-£300£125View

Terms

You must be 18 or over, a UK resident and have a UK Bank Account

View ID

Identification

UK Bank Account

1737%
Example

Representative Example

Borrow £180 for 28 days. Total amount payable - £225. Interest rate p.a. 1737% (variable). Interest payable - £45

NoYesNoCash Lady
Why wait for payday? Find up to £300 right now with Cash Lady! Cash Lady finds small loans designed around you. Sometimes, we all need a little extra cash, just until payday. Whether it’s for bills, emergencies or even special occasions. It only takes two minutes to apply and you’ll get a quick decision and fast cash. Please make sure that read the terms and conditions of this loan before you make an application. This will ensure that you fully understand your financial obligations.Services

Services

1. Payday Loan Broker


Advantages

Advantages

1. Cash Lady is built entirely around you - it's a short term loan that's based on your payday. 

2. A short application form. It shouldn't take more than a couple of minutes 
3. If you accept the offer, the cash will be put straight in your account. It'll usually take less than 24 hours and can be as little as an hour.
4. Don't worry about sending cheques or calling up to make payments. When you apply, you give your payment details. This information is used to find a convenient day for you to repay, and the cash is withdrawn in one easy payment.


Disadvantages

Disadvantages

1. Payday Loans are not a long term solution to debt problems

2. If you are unable to make the loan repayment in time your credit rating may worsen

Kwik Cash Payday Loans
Kwik Cash Payday Loans

Broker£80-£750£125View

Terms

Name, current address, 2 contact phone numbers, email address, work and income details, bank account details

View ID

Identification

Generally not required – Payday Bank offer instant online approval

1737%
Example

Representative Example

Total Amount of Credit: £160; Representative APR: 1286%; Duration of Agreement: 31 days; Total Charge of Credit: £25; Total Amount Payable: £185; Address: 28-32 Wellington Road, London, NW8 9SP.

NoYesYesKwik Cash Payday Loans
Kwik cash has a really high acceptance rate for payday loans and no credit check is necessary. You can borrow any amount between £80 and £750 payable within 31 days - However, it is possible to roll the loan over twice but this could end up very expensive. Kwik cash is fast and efficient and can help you if you need an emergency cash solution. Please make sure that read the terms and conditions of this loan before you make an application. This will ensure that you understand your obligations.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.

Payday UK MEM
Payday UK MEM

Lender£100-£1000£129.95View

Terms

29% per hundred regardless of time period.

View ID

Identification

Bank and debit card details

2090
Example

Representative Example

£275 borrowed for 28 days. Annual interest rate of 359.40% (fixed). Total amount payable by one repayment is £357.36.

YesYesNoPayday UK MEM
Payday UK offer payday loans for up to 30 days which should be repaid in one single payment on your payday. This Lender does not charge any administration fees if you decide to take a payday loan out with them, they do however, charge you £14.50 per every £50 borrowed. Payday UK now do deposit runs on Saturdays and Sundays. This means you will not have to wait until Mondays to get your money when you apply at the weekend. Please read the terms and conditions carefully. 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.
4. Payday UK now do deposit runs on Saturdays and Sundays. This means you will not have to wait until Mondays to get your money when they apply at the weekend.


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

First Choice Capital Resources Payday Loan
First Choice Capital Resources Payday Loan

Broker£100 - £750£130View

Terms

Some lenders consider the existence of an active credit and/or debit account as part of their decision making process

View ID

Identification

Personal and financial information

2623.3%
Example

Representative Example

Borrow £225 for 29 days. The total charge for credit is £67.50. Interest is fixed at a rate of 377.8% p.a. The Total Amount Repayable is 1 payment of £292.50.

NoYesYesFirst Choice Capital Resources Payday Loan
First Choice Capital specialise in providing loans for people with bad credit, with terms ranging between 1 and 24 months. The application process has been tailored to be quick and easy, taking only a couple of minutes to complete and if successful, an unsecured loan of £100 to £2500 can be deposited directly in to your bank account. First Choice Capital Resources acts as a free service that matches the right products and services to your requirements. Please read the terms and conditions.Services

Services

1. Payday Loan Broker
2. Bad Credit Loan Broker


Advantages

Advantages

1. Quick Application form - takes only a few minutes
2. Flexible loan terms ranging from 1 to 24 months
3. FREE service matching you with the best products for your requirements
4. Borrow anything from £100-£2500


Disadvantages

Disadvantages

1. Some lenders consider the existence of an active credit and/or debit account as part of their decision making process
2. Unsecured Cash Loan installment offer may take up to 2 weeks to process
3. Maximum borrowing is £2,500
4. Payday loans are not long term solution for debt problems

Bonga Loans
Bonga Loans

Broker£1000£110View

Terms

You must be over 18 and have a ban account and debit card to apply.

View ID

Identification

Bank Account and debit card details necessary.

821%
Example

Representative Example

821% (variable). Representative example: Amount of credit £100 for 30 days. Total amount repayable £120. Interest £20. Interest rate 244% p.a fixed. Representative 821%APR (variable)

YesYesYesBonga Loans
If you’re in need of a £1000 before your next payday, Bongaloans has created a quick 'payday loans' style lending service that can help you out in minutes. Through creating a quick and simple application process both online and on an efficient text service Bongaloans can get money in to your account in an instant. Please make sure that read the terms and conditions of this loan before you make an application. This will ensure that you fully understand your financial obligations.Services

Services

This is a fast and efficient loan service.


Advantages

Advantages

1.Fast and efficient service.
2.No long application processs.
3.Get approval fast.


Disadvantages

Disadvantages

1.Up to £1000 only
2.Regular income necessary
3.UK only
4.Monday to Friday only

Zebit
Zebit

Lender£50 - £1000£106.40 on a loan of £100 for 1 weekView

Terms

1. It is important and recommended that you do not borrow more than you can afford.
2. A first time customer can borrow up to £600; our sophisticated Credit Assessment System determines the amount that you are eligible for.
3. As a returning customer, you will be eligible for loan amounts up to £1000.
4. A credit assessment is carried out to ensure that you will be able to repay comfortably
5. The representative APR is 2012.2%
6. You have a “right to withdraw” from the credit agreement within 14 days from the date after you receive the executed copy of the credit agreement.
7. If you are facing difficulties in making payments on time, it is important that you get in touch with customer care centre immediately and discuss payment alternatives.
8. Failure to repay the loan will affect your credit score and will affect your eligibility to avail future financing; it may also lead to potential legal issues.
9. The agreed repayment amount will be debited on the agreed due dates from your debit card.

View ID

Identification

No Identification required

2012.2%
Example

Representative Example

Rate of Interest: 6.40% per week; Total Amount of Credit: £335;Representative APR: 2012.2%; Duration of Agreement: 28 weeks; Total Cost of Credit: £310.09; Total Amount Payable: £728.84; Amount of Each Repayment: £26.03;Total Cashback Earned: £83.75

YesYesNoZebit
Get cash credited straight in to your account or get instant funds on a ZebitZebit provides a better way for consumers to finance important purchases/needs. Zebit believes that customers know their situations best, so it offers responsible and transparent financing that allows customers a high level of control. Whether it be flash sales or limited-time-only deals, Zebit enables customers to make smart buying decisions when it makes sense for them. Zebit offers loans from £50 - £1000 for over 28 weeks/7 months.Services

Services

1. A short term cash solution


Advantages

Advantages

1. Flexible terms that the customer controls. Zebit customers can borrow for a week, or any length of time up to 7 months, and set the repayment schedule with weekly or monthly payment
2. Zebit delivers loans as both cash into customers' bank account or cash on a Virtual Prepaid Zebit MasterCard which can be used immediately for online purchases.
3. Free instant funding. Once approved, funds are loaded immediately onto a free Zebit Prepaid MasterCard® that can be used to access funds without delay. Customers have the option to choose Express Cash same day money transfer into the bank account with nominal charges or choose to opt for free BACs transfer (2-3 days money transfer).
4. Customers also have the option of choosing to upgrade to an Enhanced Virtual Zebit Card as well as a Physical Zebit Card that offers more features. With Physical Zebit Card customers could use to make high street purchases and withdraw cash at ATMs*.
5. Zebit is the only short-term lender that provides Cashback to customers upon successful repayment of their loan. Total Cashback earned can be as high as 25% of the amount borrowed.
6. Returning customers can receive up to £1000.


Disadvantages

Disadvantages

1. New customers receive only up to £600

My Quid Payday Loans
My Quid Payday Loans

Broker£100-£750125View

Terms

18 or over, in full time employment earning £750 per month. Payment should be within 31 days.

View ID

Identification

None - Bank Account (debit card if possible but not required)

1737%
Example

Representative Example

Total Amount of Credit: £100
Representative APR: 1286.1%
Duration of Agreement: 31 days
Total Charge of Credit: £25
Total Amount Payable: £125
£25 to pay for every £100

NoYesYesMy Quid Payday Loans
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. Please read the terms and conditions of this company thoroughly before you apply for a loan. Please read the T&Cs.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. Debit card not necessary to receive funds (though may help).


Disadvantages

Disadvantages

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

LOANSPRONTO
LOANSPRONTO

Broker£100-£1000£125View

Terms

Varies

View ID

Identification

Initially employment, residential and financial details

1734%
Example

Representative Example

Borrow £80.00 for 28 days. Interest 25% p.a. fixed. Total amount payable £100.00 in 1 payment. Total cost of credit £20.00 comprising interest of £20.00

YesYesYesLOANSPRONTO
Get a same* day Payday Loan ranging from £100-£1000 through Loans Pronto. Loans Pronto have a team of Loan Specialists who are experienced in loan lending solutions and strive to find the most appropriate loans for those with less than perfect credit.Services

Services

1. Payday Loan Broker


Advantages

Advantages

1. Quick Application Process
2. Quick Decision
3. Cash In your Account
4. All circumstances considered
5. Easy Online Application
6. Safe and secure
7. Borrow between £100-£1000


Disadvantages

Disadvantages

1. 'Same day cash' - this may vary depending on banks payment system, time of application and lender. Some lenders may take up to 48 hours.
2. Payday Loans are not a solution to long term debt problems

View Payday LoansFree Credit Reports

Is it a Good Idea to Get a Payday Loan?

Payday loans can seem like a fast and simple cash solution. However, there both advantages and disadvantages to these loans which need to be considered carefully.

What is a Payday Loan?

A payday loan is a short term loan of a small amount of money (usually between £80 and £1000) which you can borrow for around thirty days before paying the money back on your next payday. It is usually extremely easy to apply for a payday loan as the companies which deal in these type of loans often offer a fast online application process. This is appealing to those in need of cash in a hurry.

However, payday loans are not cheap. In fact payday loans are probably the most expensive way to borrow money. It is common for companies to have a representative APR of over 2000% which means that the interest you will pay on your loan will be very high.

Payday loan companies have a notorious reputation in the lending industry and some people believe that payday loan companies take advantage of those who are most financially vulnerable. If a potential borrower has bad credit then there are very few lending establishments who are likely to lend to them.

Many payday loan companies will lend to people with bad credit but they charge high fees for doing so. While payday lenders often state that their loans are designed to be borrowed over the short term period of one month some payday loans offer options to allow loans to roll over into the following months and this can often be extremely expensive due to the high interest on these loans.

Is a payday loan right for me?

The first question you should ask yourself is how necessary it is for you to borrow money. If you can avoid borrowing then it is probably sensible to do so. If it is absolutely necessary for you to borrow money then you should perhaps consider alternatives to payday loans. If you have good credit then you could apply for an overdraft facility at your bank or you could use a credit card to pay any outstanding bills.

If your credit history is poor then your borrowing options may be slightly more limited. Ideally it could be best to borrow from family or friends just to tide you over until you are paid. There are poor credit rating credit cards which work in a similar way to normal credit cards but have a smaller credit limit and usually a higher interest rate. There are also other types of loans such as, guarantor loans, bad credit loans, and logbook loans which may offer more flexible loans at lower rates of interest in comparison to payday loans.

If you are looking for a payday loan then it is likely that your credit rating is poor and you are in some sort of financial difficulty. If this is the case then it is probably worth contacting the Citizens Advice Bureau in order to get advice on the best ways to get out of debt. Borrowing more money to get you out of debts or to pay off debts is almost always a bad idea.

If You Are Sure Payday Loans Are the Option You Want

If you are sure a payday loan is the right sort of loan for you then make sure you take time to assess which company will be best for you. Don’t rush into anything and take your time to shop around. Work out how much you want to borrow and keep that number as low as possible. Work out how long you need to borrow for and keep the time as short as possible. Some payday lenders will charge you less the shorter the time period for borrowing is.

Work out how much your loan is going to cost and if you think it is more than you can afford avoid it. Payday loans often come with expensive penalty fees if you default on the payment and you could damage your credit rating even further. Read all of the terms and conditions of the loan so that you can be absolutely sure that you know your obligations and there will be no nasty surprises.

Payday Loans Latest News

Credit Union Offers Quick Loans
30 October 2013
The BBC reports that a new Credit Union known as London Mutual now offers new low interest payday style loans online.
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