Short Term Loans Direct Lender

Do you need urgent financial assistance to settle your debts or cash out your investment property? Seeking that more convenient & more accessible way to get a short term loan without breaking the bank? Credit can be a lifeline when you need it most. At PaydayLoansUK, we make time-pressed finance applications quick, easy, and hassle-free.

How Much Do You Need?


Short Term Loan With A Direct Lender: What Is So Appealing About It?

Short-term loan direct lenders provide a convenient way to borrow money, especially if you need cash quickly but don't have time to wait for your application to be processed at your local bank. A direct lender will approve your application and get you the funds you need within days.

The Differences Between Direct Lenders and Loan Brokers

Direct Lenders

Direct lenders allow you to borrow money directly from the loan company, without having any intermediaries. The lender and borrower must complete their transaction through a bank or wire money directly from one account to another.


Brokers match you with reliable lenders that have good reputations in the industry. They don't provide loans themselves; they act as intermediaries between borrowers and lenders. The difference between brokers and direct lenders is that the broker takes your application and sends it to multiple lenders to find the best deal. The most significant benefit of using a broker like PaydayLoansUK is that they have access to more deals than one lender could ever offer on their own.

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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Can I Still Get a Short Term Loan With Bad Credit?

If you need money fast but have a low credit rating, you may be wondering whether or not it's possible to get a short term loan. The answer to this is yes, it's not impossible to get a short-term loan. But it still depends on the lender that you are dealing with.

In general cases, lenders will evaluate applicants based on criteria other than a credit score — such as income and employment history — when deciding whether to approve a loan application. People with bad credit ratings can get access to short term loans for bad credit if they can repay the money they borrow on time.

Will a Short Term Loan Affect My Credit Score?

If you make all of your payments on time, there is no reason why the loan would impact your credit score. Failure to meet repayment schedules, on the other hand, will affect your score. It would be best to consider whether or not you can afford the repayment plan before applying for a short term loan.

Top 3 Alternatives For a Short Term l Loan

  • If you've ever been in a situation where you need money quickly, these are some alternatives to a short-term loan.
  • Friends and Family: If you have friends or family members who can lend you money, consider asking them for help.

    Bank Loans: Bank loans can be challenging to obtain, especially if your credit score is low or if you don't have any collateral.

    Sell Your Belongings: If you want cash now but don't want to take on more debt, try selling some of your stuff online or at a garage sale.

    Do note that these options are not as quick as applying for a short-term loan.

    How to Apply for This Loan?

    We know that time-poor individuals may have trouble, so we've made the application process simple.

    Step 1: Fill out the online application form and submit it.

    Step 2: Our panel of lenders will examine and verify your information before deciding whether you are qualified for your loan.

    Step 3: Once your application has been approved, you will receive the funds in one business day in general.

  • 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).

  • Frequently Asked Questions (FAQs)

    Is Short Term Loan From Direct Lenders Financial Conduct Authority (FCA) regulated?

    No, not all direct short term loan lenders are FCA-regulated. However, PaydayLoansUK works with direct lenders who are FCA-regulated. Rest assured, our lenders are reliable and secure to work with.

    Do Short-Term Loan Direct Lenders Do Credit Checks?

    Yes, a credit check is required for all short term loans. Our lenders are committed to this standard practice in the industry. The reason for this is that we want to make sure that our customers are safe and secure when borrowing money. We want to make sure that they can pay back their loan on time and without trouble.

    Are There Any Hidden Charges or Extra Fees?

    Here at PaydayLoansUK, we want to make sure you know exactly what you're getting and that you get the best deal possible. If hidden fees or unexpected charges have ever caught you, you'll be pleased to know that there are no extra costs applying for this loan.

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Apply for Your Short-Term Loans From Direct Lenders Today!

Are you in need of some extra cash? Apply for your short-term loans from PaydayLoansUK today! Our simple, secure application process will allow you to get approved in minutes from our network of trustworthy lenders. Get the money you need and move on with your life.

Apply for Your Short-Term Loans From Direct Lenders Today!