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Payday Loans - Click Here To Compare >>
Stuck for cash until payday? This is a monthly occurrence to some people and becomes even more pressing if an unexpected or emergency cost comes up. Getting a regular loan might be out of the question for a number of reasons: a bad credit history might be one, but another might be that many loans have terms which go on for years.
A payday loan is a handy and fast way to access cash — the loan term is never usually more than two weeks to a month meaning this really is a fast loan. The criteria are generally easy to meet: most payday lenders just ask that you are a full UK resident, have a monthly income and a working bank account. Other than that they don’t ask much — and your credit past is of no interest to them.
So, if you have a bad credit history, CCJs or arrears you can still get your cash through a payday loan. There are one or two things to weigh up before you get the loan — remember to check the APR rate as this can be a bit on the high side. However, as this is a short term loan it shouldn’t be hanging round your neck for long! There are various features which might attract you to certain lenders, such as a “rollover” option.
| COMPANY | TYPE | LOAN AMOUNT | REPAYABLE £100 | TERMS | ID REQUIRED | APR | DEBIT CARD | BANK ACCOUNT | MORE INFO |
Payday Express
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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 |
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| 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. | |||||||||
247 Cashline Payday
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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 |
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| 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. | |||||||||
PurplePayday.com
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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 |
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| 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. | |||||||||
Cash Genie
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Broker | £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 |
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| 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. | |||||||||
Lending Stream Payday Loan
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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 |
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| Lending Stream offers payday loans up to £400 for new customers and up to £1000 for existing customers. Application is online, quick and simple. 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 installments or make an early payment (without prepayment penalties) to minimize the total interest. | |||||||||
Payday Bank
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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 |
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| 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. | |||||||||
Get Me To Payday
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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 |
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| 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. | |||||||||
Quick Quid Payday Loan
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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 |
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| 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. | |||||||||
Wonga
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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 |
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| 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. | |||||||||
Payday Search
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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 |
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| 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. | |||||||||
Logbook Loan
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Lender | £500-£50000 | Variable | Variable on Term - See Website for Details | No | 437.4% | No | No |
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Logbook Loans provides individuals who have a bad credit rating but are in possession and the legal owner of a car or other vehicle. It is a loan secured against your car and you can borrow from £500 - £50,000. Please note - your car may be at risk if you do not keep up with repayments.
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Payday Financial Loan
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Broker | £80-£750 | 125% | 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 lender | 1355% | No | Yes |
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| 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. | |||||||||
RedHouse Financial
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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 |
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| 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! | |||||||||