Need Money Now

Power through those hefty bills with our loans today. Our reliable lenders will get you up to £5k with fair and competitive interest rates.

How Much Do You Need?


Need Money Now? Get Instant Money £50 - £5000 Today

Sometimes, emergencies come at us that require us to have access to some cash instantly. Cash emergencies are inevitable, especially if you can’t save up enough from your income or use a saving scheme where you have to give at least 48-hour notice to access your funds.

Whichever the case, we are ready to help you with some money to foot unexpected vehicle repairs, home utility, and hospital bills; the list is endless.

Our quick and reliable brokering services will connect you with lenders who can loan you anything between £50 - £5000, payable within 36 months as the case may be. Get on top of your emergencies with PaydayLoansUK today.

I Need Money Now; where Should I Apply for Loans?

Brick and mortar banks

This is the traditional banking system where customers have to visit physical bank branches to access a loan. Credit checks are usually done via big credit bureaus like Experian, which can hurt your credit score.

On top of that, you may not get approved if your credit score isn’t deemed high enough or you are thought to be a lending risk. A poor credit score completely takes you out of a loan discussion. Obtaining loans through banks can be draining and slow, so isn’t recommended for emergencies.

Online lenders

Online lenders get you loans a lot faster than a bank would. Although they are mandated by the Financial Conduct Authority (FCA) to carry out credit checks before issuing loans, established lenders make sure to run only soft credit checks.

They are more concerned with the urgency at hand and your ability to repay the loan regardless of a bad credit score. They facilitate fast funding whereby loans can be issued within hours.

Online Brokers

The online brokers link various online lenders to customers with an urgent need for loans. Most of these lenders provide 24 hours services. Regardless of the time of the day or night, you can get access to funds.

Online brokers like Payday Loans UK typically save you from the stress of shopping around for reliable lenders. They serve you this on a platter and with it, you get favorable interest rates and relaxed eligibility requirements.

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
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Before Lending the Instant Money, What Information Lenders Will Check?


Credit scores were designed to help ascertain who is eligible for loans before releasing these funds.

Online lenders are mandated by authorities to check credit scores. This will help them access past records of immediate payments or poor payment response after a loan was given. But established names make only soft credit checks.

Borrower's payment record

Online lenders have access to every borrower's credit history made available by the reference agency.

The reference agency keeps track of all credit records. Records from here would help online lenders know how reliable a customer is in paying back loans and how much lending risk they are taking. A good record will enhance one's chances of getting a loan.

Outstanding payment balance

With outstanding loans, the chances of securing another are very slim, especially when trying to obtain bank loans.

That said, you can still get some loans with online lenders who are more concerned with whether or not you can afford to repay your new loan.

What Are My Loan Options?

Payday Loans

One can decide to opt for payday loans which allow you to repay on the next salary day. This option can be very convenient for those on a payroll. Many online lenders offer payday loans for urgent financial needs on short notice.

Instalment Loans

Just like the name implies, you pay back in instalments. Obtaining instalment loans gives one a chance to pay back over a period of time spanning a given number of months.

Bad Credit Loans

With a poor credit score, one can still get access to loans. This kind of loan is known as a bad credit loan. Numerous online lenders offer this type of loan with a short-term repayment period.

Short-term Loans

Short-term loans are given based on a short repayment time and the loan amount is usually smaller than long-term loans. This particular loan service is provided for those with an urgent need for cash.

Getting a loan is easy

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To Get A Loan Instantly, What Steps I Need to Take?

Below are quick steps to take to get access to funding:

Apply online

After making sure you are eligible for the loan, you go on to apply for the loan. This step will require you to fill out a short form that will help connect you to available lenders for funding.

Verify your offer

After filling out the form, an offer will be presented to you almost instantly. You then go on to check that you are fine with the terms and conditions of the loan.

Get paid

The last and most fulfilling step will be getting access to your money. You should be funded within the hour or the next. You can now go ahead to attend to your need.

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).

I Get the Money Now; how Can I Utilise It?

Below are some of the best ways to put your loans to good use:

Medical emergencies

Illnesses or accidents could occur at any point in time. Rather than blow off your savings which may eventually not be enough to clear the ensuing medical bills, you can get an instalment loan and pay in convenient bits.

Vehicle repairs

Vehicle mishaps can occur and prevent you from going about your day like normal. A complete breakdown can get you even more devastated. But with the help of instant loans, you can attend to your vehicle and get it back on the road once more.

Bills and utilities

Even with a salary-earning job, there may be a need to foot bills that cannot wait till the following day. Power, water, or your credit card bills are necessities you need to go by each day. You don't have to wait till you're cut off. You can get some money now, supplement these needs, and then pay later.

Educational necessities

A college education is no cheap deal. There is a constant need for money. It could be for meals, books, rent, whatever; the list is endless. As students, when any of these needs arise, you can always fall back on a small loan to finance these necessities.

Developmental changes

You just got a new job, got married, or have a new family. There will be other responsibilities that could tie your finances down. It is okay to take out just a little financial help to help moderate these changes till you are better adapted.

Keeping up

The need for a new device or an improvement from what you had before could arise. This could help you perform better at work or make things generally easier. You don't have to keep it off until you have more than enough. You can easily take out some money, fix the need, and pay it back later.


How Long Will It Take to Get the Loan?

As soon as you are approved for the loan and sign the lender’s quote, you should be expecting cash soon. This may take anything between that hour and the end of the day.

I Need A Loan, But Will I Be Rejected Because of My Bad Credit Score?

PaydayLoansUK is very considerate towards poor credit ratings. Even with a poor credit score, you can still get loans in thousands. PayDayLoansUK will connect you with a bad credit loan lender.

Can I Get Loans Without A Credit Check

All lenders are obliged by the Financial Conduct Authority to carry out a full credit check before making payments to you. However, our lenders know this can hurt your credit score, thus, make soft credit checks alone.

How Much Money Am I Eligible to Borrow?

You can take out as much as £5000 and pay it back within the repayment term offered by the lender. Other terms and conditions apply.

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Why Wait When You Can Get Money Now!

The wait is over! Get on the PaydayLoansUK platform to access up to £5k and attend to that urgent need. Payday might be too far to get cash.

Why Wait When You Can Get Money Now!