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Representative example: Borrow £700 for 5 months.
4 monthly repayments of £235.82,
last monthly repayment of £235.92.
Total repayment of £1,179.10.
Interest rate p.a. (fixed) 222.79%.
Representative APR 821.04%. Daily interest is capped at 0.798%. Representative APR includes all applicable fees.
Warning: Late repayment can cause you serious money problems. For help, please go to moneyhelper.org.uk. Compare our loans at choosewisely.co.uk.
Looking for Payday Loans Online?
Payday Loans Online offer loans up to £1,500, repayable in 3 to 9 months. We directly fund your loan and transfer it straight to your bank account.
All credit considered
All online loan applications are considered, regardless of your credit score or history.
No hidden costs
There are no hidden costs. All fees, repayment amounts, and schedules are clearly shown upfront.
Fast payouts
Payouts are fast, often within minutes. We guarantee to fund your account the same day.
Our goal is to help you handle unexpected financial challenges without causing you stress. That’s why we offer payday loans with flexible terms of 3 to 9 months. This makes repayments smaller and more manageable, so you don’t need to pay the full amount by your next payday. As a responsible lender, we complete an affordability check during your application to ensure the loan is in your best interest.
Tell us how much you’d like to borrow and complete our secure form in under 2 minutes.
Step 2. Get an Instant Decision
We’ll run quick eligibility checks and give you an instant decision with no obligation.
Step 3. Receive Your Money
If approved, we’ll pay the funds direct to your bank in just a few minutes.
Step 4. Repay Over 3 to 9 Months
Follow the repayment plan you chose during your online application.
Who can apply?
To qualify for our short term loans, you need to meet these requirements:
1. You must live in the UK
2. Be at least 18 years old
3. Have a regular salary
4. Own a UK Bank account
Payday loans are suitable for people with a full-time salary. If your income comes from part-time work or Universal Credit, it might be harder to pass the affordability check. This check ensures the loan won’t cause financial stress.
Helping hundreds of new customers across the UK daily
Every day, we approve hundreds of loans for new and repeat customers across the UK. We provide the emergency funds they need to cover unexpected expenses and fix temporary cash-flow problems.
£550 for Stephen in Oldham for Unplanned Travel
£500 for Cleofe in Littlehampton for Bill Payments
£750 for Mark in Belfast for Car Repairs
£500 for Stuart in London for One-off Expenses
£1000 for Marcela in Basildon for Home Repairs
£600 for Jack in Birmingham for Unplanned Travel
£1200 for Chimaobi in London for Car Repairs
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£500 for Emma in Deal for Appliance Repairs
£850 for Franco in Milton Keynes for Home Repairs
£500 for Grzegorz in London for Overdraft Fees
£750 for Michelle in Belfast for Unplanned Travel
£500 for Frederick in Maidstone for Unplanned Expenses
£900 for Kaylee in Edinburgh for Bill Payments
£500 for Daniel in Gillingham for Appliance Repairs
£1000 for Gareth john in Newcastle Upon Tyne for Home Repairs
£950 for Thomas in Epping for Bill Payments
£1000 for Craig in Bury St. Edmunds for Medical Bills
£600 for Andrew in Rochdale for Overdraft Fees
£1100 for Darnell in Sheffield for Home Renovations
£1200 for Janes in Plymouth for Household Expenses
£550 for Julie in Stoke-On-Trent for Overdraft Fees
£800 for Graeme in Liverpool for One-off Expenses
£500 for Magdalena in Norwich for Appliance Repairs
£750 for Suzanne in Inverness for Home Renovations
£650 for Joshua in Bushey for Unplanned Travel
£500 for Karina in Aylesbury for Unplanned Expenses
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£700 for Joseph in Berkhamsted for One-off Expenses
£500 for Richard in Lasswade for Home Repairs
£750 for James in Aylesbury for Appliance Repairs
£600 for Lindsey in Bolton for Overdraft Fees
£500 for Patricia in Blackburn for Debt Consolidation
£1200 for David in Sheffield for Unplanned Expenses
£500 for Daniel in London for Overdraft Fees
£900 for Stuart in Strabane for Unplanned Travel
£1000 for Charmaine in Nottingham for Home Repairs
£600 for Chris in Coventry for Household Expenses
£900 for Faith in Chessington for School shopping
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£1150 for Samantha in Blackpool for Unplanned Expenses
£600 for Paul in Sidcup for Car Repairs
£750 for Michael in Musselburgh for Debt Consolidation
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Payday Loans Online is a trading style of Western Circle LTD, a trusted direct payday lender that has served UK customers since 2016. Our company registration number is 7581337, and our offices are at Office 9, 2A Highfield Avenue, London, NW11 9ET, United Kingdom.
We have funded over £19 million in fast, secure loans. We have directly helped more than 115,000 borrowers across the UK – from Cornwall in the south to Caithness in the north.
Our lending decisions are fair, transparent, and responsible. We carefully assess and individually review each loan application. This process ensures that every loan decision fits the potential borrower’s current financial circumstance.
Since the Financial Conduct Authority (FCA) implemented an interest cap in 2015, we have consistently adhered to all regulatory requirements. We remain committed to acting as a responsible lender, safeguarding the interests of our customers by implementing strict, compliant lending practices.
FCA-Authorised direct lender
We have been authorised and regulated by the Financial Conduct Authority (FCA) since 13/05/2016 under license 714479, giving you peace of mind that you are dealing with a reputable direct lender.
ICO Registration
We have been registered with the Information Commissioner’s Office (ICO) since 17/08/2012 under registration number Z3305234, so you know we follow strict data protection and privacy practices.
If your car breaks down or needs urgent repairs, our car repair loans can get you the cash you need fast, so you can get back on the road without hassle.
High bills like electricity or heating can be unexpected. Our bill loans give you the funds to settle those bills quickly until your next pay day.
Why choose us?
We’ve been providing short term loans to new and repeat customers across the UK since 2016. Here’s why they trust us – and why you can too with your loan application:
No Broker Fees – We fund your loan with our own money. You won’t pay broker fees.
FCA Regulated – We are fully authorised by the Financial Conduct Authority (FCA) under license 714479 since 2016.
No Hidden fees – We clearly show interest rates, repayment term and total repayment amount upfront
Your Data is Safe – We follow strict data protection laws. Your personal information is secure and kept private.
Data Compliant – We are officially registered with the Information Commissioner’s Office (ICO) since 2012.
Proven Track Record – We have provided payday loans since 2016 proving a strong track record.
115k Customers Served – We have directly funded over 115,000 customers all across the UK.
Responsible Lending Practices – Every loan application goes through a thorough affordability check
Flexible Repayment Plans – You can repay your loan over 3 to 9 months instead of by your next payday.
Poor Credit Considered – We welcome applications from customers with less-than-perfect credit.
Superior Lending Technology – Our team develops our loan systems, resulting in fairer loan decisions.
Website Security – Our site is encrypted and managed by experts who take data protection seriously.
UK-Based Support – Our support team is local and responsive. Real people are ready to help you.
Easily Accessible – Call us or email us between 9 AM – 5:30 PM (Mon-Fri).
Early Repayment is Possible – Repay your loan early anytime. No penalties, and you save on interest.
Same-Day Funding – Guaranteed same-day funding for approved loans.
Payday loans are easy to get and provide quick funds during emergencies. However, they come with very high interest rates and APRs
These loans can help address short term financial needs, but they are not a suitable solution for tackling long-term financial difficulties.
Before committing to this type of loan, ensure it makes sense for your financial situation. To see if this type of loan is right for you, compare it to other personal loan products. Read alternatives to payday loans if you want to learn more about possible alternatives.
Get help with budgeting and managing debt
If you’re facing difficulty repaying your payday loan, contact our team immediately for assistance. We’ve years of experience helping people in financial distress and are committed to doing everything within our power to help.
Also, consider seeking guidance from UK debt management specialists like MoneyHelper. Money Helper is a government resource that offers debt advice and tools.
For further support, consider contacting charities like Citizens Advice or StepChange. The National Debt Line also provides free consultations to help anyone facing debt or money issues.
Direct lender loans are funded directly by the lender without involving brokers or middlemen. When you apply through Payday Loans Online, we manage the entire process and fund the loan with our own capital. This protects you from online brokers and the fees they charge.
Is your service online only?
Yes, our loan application and funding process is fully online. You can apply in minutes, and if approved, your bank account can be funded quickly. There is no need to visit a physical store to complete the loan.
Do you fund loans over the weekend?
You can apply for a loan on weekends, but we only fund loans from Monday to Friday. If your loan is approved over the weekend, it will be processed and funded on Monday during business hours.
Is loan funding available 24/7?
Yes, loans can be funded at any time. However, some applications may require manual review by our team. If this happens, a team member will handle your application between 9 AM and 5 PM, and funds will be released during those hours.
Are your loans fixed or variable?
All of our loans have a fixed daily interest rate starting at 0.507%.
Can I repay the loan early without penalties?
Yes, you can repay part or all of your loan at any time without penalties. Early repayment reduces the total interest you pay.
Can I apply if I have bad credit?
Yes, we consider applications from borrowers with both good and bad credit. If you have poor credit, you will need to pass an affordability check to ensure you can manage the repayments without financial strain. We also offer specialized loan options for borrowers with bad credit.
Will I be credit checked?
Yes. We start with a soft credit check during the application process, which does not affect your credit score. A hard credit check will only be performed if we believe your loan is likely to be approved.
Do I need to submit pay slips when applying?
Our technology usually verifies your income automatically, so pay slips are not always required. If we are unable to verify your income, we may ask you to upload pay slips during the application.
What happens if I can’t repay my loan?
If you’re struggling to repay, contact us as soon as possible. Avoiding the issue can lead to more daily interest and affect your credit score. We are a responsible lender and will work with you to find a solution that fits your situation. You can call us at 020 3757 1933 or email support@paydayloansonline.co.uk.
How can I verify if a payday lender is approved by the FCA?
To verify if a UK lender is approved by the Financial Conduct Authority (FCA), check the Financial Services Register at https://register.fca.org.uk/s/.
What is the highest interest rate and repayment amount a UK payday lender can charge?
UK payday lenders cannot charge more than 0.8% per day in interest. The maximum repayment cannot exceed double the original loan amount. For example, if you borrow £100, the most you could owe, including interest, is £200.
Financial literacy resources
We’ve put together helpful guides to help you manage your money, avoid unnecessary debt, and understand how loans work in the UK.
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