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Payday Loans

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. There will be no credit checks carried out 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. 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'.

COMPANY	TYPE	LOAN AMOUNT	REPAYABLE £100	TERMS	ID REQUIRED	APR	DEBIT CARD	BANK ACCOUNT	APPLY
PurplePayday.com	Broker	£100-£750	125%	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%	No	Yes
	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-£750	125%	Name, current address, 2 contact phone numbers, email address, work and income details, bank account details	Generally not required – Payday Bank offer instant online approval	1355%	No	Yes
	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.
Lending Stream Payday Loan	Lender	£80-£1000	N/A	Steady monthly income, 18 years and above, residence in the UK, bank account with direct deposit, valid debit card, take home of £750 per month.	NONE	1397.58%	Yes	Yes
	Lending Stream offers on line 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
Mr Lender	Broker	£50-£500	£125	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. An underwriter may contact you at work to confirm your employment details.	Sometimes bank statements or utility bills are required, but very rarely.	1990	Yes	Yes
	MrLender.com is one of the newest payday 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
Cash Genie	Lender	£75-£750	130%	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%	Yes	Yes
	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-£800	125%	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%	Yes	Yes
	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.
Wonga	Lender	£50-£200	From 105% to 129% dependant on term	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.	None - just bank account and debit card required.	2334%	Yes	Yes
	Wonga Cash on demand are different to other Payday / Quick Loan providers - you can choose the exact length of your loan (from 1 to 30 days) - the shorter time you choose to pay back, the less interest you will pay. If the loan approved before 3pm on a weekday, you'll get the money in your bank account within minutes. Interest is charged at 1% a day - you can choose the exact amount you want and the length of the loan. An easy to use sliding calaculator on the Wonga.com homepage allows you to alter easily the amount and the term of the loan and the amount you will have to pay back.								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. Funds in your account if you are approved by 3pm on a weekday 3. Choose your repayment by the day - the shorter the loan the less you pay Disadvantages Disadvantages 1. APR is high - though loan is only 30 days maximum. 2. Possible to borrow just £200 at first.
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 card	2641%	Yes	Yes
	Lending Pounds is an online payday loan 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.
247 Cashline Payday	Broker	£100-£1000	125%	18 or over, in full time employment earning £750 per month. Payment should be within 31 days.	None - Bank Account and debit card only	1355%	Yes	Yes
	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.
RedHouse Financial	Broker	£80-£750	125%	18 or over, must be employed with salary paid directly into a bank account.	Generally not required – instant online approval.	1355%	No	Yes
	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.
Quick Quid Payday Loan	Lender	Up to £750	125%	The finance charge will be paid in two (2) equal payments on your next two (2) payment dates. See Website for more details.	No	1733.5%	No	Yes
	The maximum loan amount for United Kingdom residents will be £750. New customers will be limited to a maximum loan amount of £300. Same day payment is available for a QuickQuid payday loan.								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. Disadvantages Disadvantages 1. New Customers can only get £300. 2. High APR.
Get Me To Payday	Broker	£80-£750	125%	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.	No	1355%	No	No
	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
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 Card	2334	Yes	Yes
	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.
Samedaymoney	Lender	£80 – £1000	£125	You must be over 18, in permanent employment, earning more than £750 a month.	Bank account and a debit card	1286.1%	Yes	Yes
	Samedaymoney offers you the choice to get a cash advance before your next payday. You can apply online by completing the short online application form and you will receive an instant decision from Samedaymoney. You can borrow between £80 - £1000 and the money will be paid into your account on the same day.								Services Services 1. Your money will be deposited into your account on the same day. 2. Total cost of your loan including the APR figure will be calculated and displayed in advance of you agreeing to the loan Advantages Advantages 1. No set-up fees or hidden costs 2. Total cost of your loan including the APR figure will be calculated and displayed in advance of you agreeing to the loan 3. Your money will be deposited into your account on the same day 4. Your fees will be paid straight into your bank account. 5. Once you have repaid your loan we will report back to the credit reference agencies which can help improve you credit rating. Disadvantages Disadvantages 1. Payday loan charged at £25 per £100 borrowed. 2. Deferral will incur new charges for every month the loan is deferred 3. 1286.1% APR TYPICAL 4. Must be earning a minimum of £750
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%	No	No
	£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
Mister Cheque	Lender	£100 to £750	£ 118.42	This offer is subject to review by our underwriting team of your personal financial circumstances.	Name, adresss, email, date of birth	Varies - between 66.39 % and 107.48 %	Yes	Yes
	Mister Cheque offers payday loans of between £100 and £750 for all borrowers - even if you have a bad credit history, CCJs or arrears. The payment period is over 3 months - it is cheapest to pay back the loan quickly.								Services Services Payday loans Advantages Advantages Can spread the payment over 3 months No credit checks Borrow up to £750 Disadvantages Disadvantages APR may be high and varies according to amount borrowed Bad repayment can adversely affect credit rating
Payday Search	Broker	£80-£750	125%	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 Lender	1355%	No	Yes
	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.