Payday Loans UK

Apply For Up to £5,000*

Representative Example:

  • Loan amount £400 for 90 days.
  • Payable in 3 monthly instalments of £187.31
  • Total amount repayable £561.92
  • Interest charged is £161.92,
  • interest rate 161.9% pa (variable).
  • Representative 305.9% APR.

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Representative Example:

  • Loan amount £400 for 90 days.
  • Payable in 3 monthly instalments of £187.31
  • Total amount repayable £561.92
  • Interest charged is £161.92,
  • interest rate 161.9% pa (variable).
  • Representative 305.9% APR.
Warning: Late repayments can cause you serious money problems. For help, go to

» Unsecured Loans for Bad Credit

Get a personal loan now by clicking the “apply” button above. What are personal loans? They are small loans offered without security, which are typically paid back from your employment cheques. If you are employed and are in need of emergency funds to resolve unforeseen bills, apply for a personal loan today.

Personal Loans

What are Personal loans? They are a type of loan given to people who need funds quickly. If you are employed or on benefits, you can likely qualify for a Personal loan. They are also called personal loans, short term loans, instalment loans and Personal loans UK.

Personal Loans Type
Personal Loans UK No Credit Check
Personal Loans Online Loans for Unemployed
Instant Personal Loans Fast Loans
Personal Loans Online Online Loans
UK Personal Loans Loans UK
Bad Credit Personal Loans Loans for Bad Credit
3 Month Personal Loans 12 Month Personal Loans
Cheap Personal Loans Cheap Loans
Easy Personal Loans Easy Loans UK
Personal Loans No Brokers No Brokers
Personal Loans Direct Lenders Direct Lenders UK
Poor Credit Personal Loans Personal Loans for Poor Credit

What are personal loan companies?

Personal loans are a type of lending which usually consists of smaller amounts of money borrowed for shorter periods of time. They are also called payday loans, short term loans and unsecured loans. They are often repaid within a relatively short period of time, from a week to a month, with some having instalments with multiple payments over many months.
Are you interested in getting a personal loan? Our application process is simple and conducted entirely online. If you need cash quickly, without delay, we encourage you to click that button above and get started. You can have money wired to your bank account within minutes after submission. Chances are, you would like to more about our process and if that is the case, continue reading below.
The challenge of getting a loan is finding the one that you can get the fastest, and that costs the least. Though we are not direct lenders, by clicking through to our application and submitting you can receive an interest rate which is often much lower than direct lenders such as Wonga and Sunny loans. After application you receive a quick decision, and your funds may be available within 24 hours of submitting qualifying information. About the cost, our APR rates are listed on our homepage — you can review them and see that we have the cheapest when compared to our main competitors. In fact, their interest rates put them at over 1000% APR, whereas the ones you receive by applying at Payday Loans Now are cheaper.
Before you apply, find out more information about personal loans. Many people are concerned about bad credit ruining their opportunity to secure a loan.

Personal Loans from Direct Lenders

A factor to consider when selecting the right provider is to go directly with the source of funding. There is another entity in the industry known as a broker. Brokers will work as a middleman between you and the lender. While some people want to say no to brokers, it is a good idea to check out all your options and select the one where you receive a loan at the best price with the best APR interest. Make certain you get a good price, as people who find themselves needing a payday loan are the same who need the most affordable fees possible. Otherwise, you will find yourself in a vicious cycle of debt that is hard to escape.
Now that we have discussed the biggest issues when trying to qualify, (cost and speed), let us cover a few points about this type of lending. Why is it so expensive? It is because they are an unsecured loan. That means that no collateral is expected from the borrower. With nothing to secure in case of non-payment, the fees skyrocket. Normally, someone with excellent history wouldn’t bother — as they could get cards or some other cheaper interest one. Some people want a loan with no credit check, and this is not possible. Every UK lender is required to perform a credit check. However, bad credit lenders are able to give you a loan even when you have poor credit.

Bad Credit Personal Loan

Many people shy away from borrowing, even when they really need the cash, because they realise they have bad credit and wouldn’t otherwise qualify. We do not even check. Therefore, if you have poor credit (even no credit) — we can still help you and get cash to your bank account within minutes.
Not everyone should be a candidate for this method of lending. The main criteria is having an emergency. Being in a financial crisis should be the only reason you attempt to obtain payday loans UK. The reason is that they are extremely expensive.
People who search for personal loans are often interested in home insurance, car insurance and travel insurance. If you’re borrowing, use a loan calculator to decide whether you can make the monthly repayments. Your personal circumstances are considered by payday lenders as you apply for personal loan. Apply for loan by clicking the apply button above. You can apply online. Get a personalized loan quote by completing our form. While we don’t provide any of those, we do offer lending. If your credit rating or your credit score is standing in the way from you borrowing emergency funding, contact us today.
Most of us get into financial crunches from time to time. When that happens, some of us have people to rely on, friends or family, who can help us through that hard time. Others do not have anyone else to rely on. For those people, it makes sense to get a loan — even considering the elevated interest rate. Whether your car has broken down and you need to repair it to get to your job, or some other emergency where you simply have to spend money because there is no other option — short term loans fill in the gap and help you make ends meet during a difficult time.