Text Loans

You’re just a text away from obtaining a loan if an urgent need for one arises. Contact PaydayLoansUK today to get you started.

How Much Do You Need?


What Are Text Loans and How Do They Work?

Mobile phones have brought us unmatched convenience since they became a ‘thing’. With mobile phones, you can shop online, talk to your loved ones even if you're miles apart, and surf the internet; the list is endless.

Aside from those mentioned above, do you know what else you can do with your phone? Your guess is as good as mine - Apply for a loan and with a simple text too!

You're just a text away from obtaining a quick loan if an urgent need for cash arises. Simply send a text and we’ll get you up to speed with one.

At Paydayloans UK, we connect you with direct lenders that can quickly lend you up to 1000 with few requirements.

What is the Procedure for Applying for a Text Loan?

One of the uniqueness of our text loan is how easy it is to apply for one. Listed below are the three simple steps to get you through.

Fill out the application form

When filling out this form on our website, you will be required to enter your name, contact information, date of birth, and social security number.

Submit the form

We quickly evaluate your creditworthiness. You don't have anything to worry about because this will not affect your credit profile.

Get cash

You should receive your credit for anything from that minute to a few hours! Once the process is completed, we transfer the desired amount of quick cash into your bank account on the same day.

Want to Get a Loan?

3 months

Representative Example: Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

What Benefits Do Text Loans Offer?

Our text loans have many benefits. Below are some of them:

  • You can borrow text loans anywhere, anytime.
  • You only need to meet a few requirements to apply. Be above 18 years of age, have a valid bank account, and prove you can repay.
  • Fast approval.
  • 98% high acceptance.

How Does Payday Loans UK Compare?

compareWhy Use Us?
What is the maximum amount I can borrow?Up to £5000Instant approval
Will I be considered if I have bad credit?YesBad Credit Considered
Interest rates (variable)49.7%Zero paperwork
Loan repayment terms1-36 monthsFlexible repayment
Will I be credit checked?YesWill perform credit checks as for financial regulations
How do I apply?Apply onlineSimple application form
Get Started

Is it Possible to Get a Text Loan if I Have Bad Credit?

Everyone deserves to be able to get text loans, including people with poor credit scores. Our lenders recognize this and so grant people with poor credit scores loans.

As long as you can guarantee repayment, you can get a loan even with bad credit.

What Are Some Text Loan Alternatives?

A text loan will not always be the best type of loan, and it is specifically unsuitable for people with long-term debts. Listed below are some alternatives.

Short-term Loan

Short-term loans are designed for rapid repayment. And just as with other types of loans, interest applies.

Credit cards

A credit card can be a perfect option to avoid shorter-term loans. Your employment situation usually determines your eligibility.

Debt Consolidation

A consolidation loan will be the best fit for you if you have many debts to pay off. It takes off the pressure of trying to meet up with different tight deadlines. However, be certain you are sure of the loan terms because sometimes, the total cost of the loan may be higher than your debts, and thus not a profitable venture to get it for consolidating debt.

FAQs (Frequently Asked Questions).

Do text loans charge fees?

Some lenders charge fees. However, our partner lenders do not. Neither do we.

How safe are text loans?

Text loans are very safe when you go through reliable and FCA-accredited lenders like ours.

Do the unemployed have access to text loans too?

One of the few requirements for text loans is a guarantee for repayment. The unemployed can get text loans if they can guarantee to repay their debts.

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Loan Approval In Minutes!

Text loans are one of the quickly approved loans. Get started with PaydayLoansUK now and connect with lenders that will get your text loans approved in a twinkle of an eye.

Loan Approval In Minutes!