pixel Payday Loans from a UK Direct Lender | PaydayLoansOnline

Payday Loans from a UK Direct Lender

We offer Payday Loans from £300 up to £1,500 and deposit the cash into your bank account in the same day (if approved).

image of a happy woman holding her phone, which shows a check mark symbol, meaning she got approved for a loan from a direct payday lender

Representative example: Borrow £700 for 6 months. 1st monthly repayment of £168.45, 4 monthly repayments of £224.60, last monthly repayment of £112.20. Total repayment £1,179.05. Interest rate p.a. (fixed) 185.39%. Representative APR 611.74% Our APR includes all applicable fees. Daily interest is capped at 0.798%

Warning: Late repayment can cause you serious money problems. For help, please go to www.moneyhelper.org.uk

100% Online

Our application process is completely online from start to finish.

Direct Lender

We are an FCA-authorised Payday Loan Direct Lender (FCA license: 714479) .

Flexible Repayments

Repay your Payday Loan over a 3-6 month period or earlier if you want.

Financial Emergencies Happen.
Get the Cash You Need When They Do.

Our Payday Loans are short-term, unsecured loans that provide you with quick access to cash when you need it to cover urgent, unexpected financial challenges. You can apply even with a bad credit score.

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Higher Approval Rates

We fund loans directly, so you can expect higher acceptance rates and higher approval rates than other websites.

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No Hidden Costs

The full loan amount, interest, and repayment schedule will be clearly visible to you, with no hidden costs.

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Fast Payouts

Your cash is deposited into your bank account in as little as a few minutes and we guarantee same-day funding.

How Much Can I Borrow and Over How Many Months?

You can borrow between £300 and £1,500 at a daily interest rate of 0.507%, which is 185.39% per annum. Repay the loan early to reduce daily interest. Choose a longer loan duration of 3 to 6 months for lower repayments over time. If your loan application is approved, cash will be deposited into your bank account within minutes, with same-day funding guaranteed.

Payday Loan Product Details

Loan Amounts:

£300 – £1,500

Daily Interest Rate:


Interest Per Annum:


Repayment Terms:

3 – 6 months

Funding Time:




Payday Loans Online
With Your Best Interest at Heart.

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image of a man looking at his phone with his hand in the air after successfully securing the flexible loan period he was seeking

We genuinely want to help you with unexpected financial challenges, without putting you under financial stress. That’s why we offer loans with flexible terms of 3 to 6 months to make repayments more manageable instead of requiring the full repayment on your next payday. As a responsible lender we also conduct an affordability assessment and a creditworthiness check when you apply to ensure the loan is in your best interest.

How to get a Payday Loan Online

Applying for our payday loans online is a straightforward process. Just follow these three simple steps:

the number one with a circle around it, showing step 1 in the application process

Complete Our Online Application

Start by filling out our secure online form. This secure form collects the personal information we need to assess if we can provide you with a loan based on your current financial circumstances. The application is fast and easy, taking less than 5 minutes to complete from start to finish.

The number two with a circle around it, indicating step 2 in the application process

Get an Instant Online Decision

After submitting your application, our loan underwriting technology swiftly carries out an affordability check and a creditworthiness check. This process takes a few seconds, providing you with an instant decision on whether your loan application has been approved or not.

The number three encircled, representing step 3 in the application process

Receive the Funds

If your application is approved, we promptly deposit the money into your bank account. This process is very quick, often taking only a few minutes, and we guarantee same-day funding to ensure you have the cash you need quickly.

a smartphone showing our loan application form on the screen

Am I Eligible
for a Payday Loan?

To be eligible for our loans, you should meet the following criteria:

Must live in the UK

Be at least 18 years old

Have a regular salary

Own a UK Bank account

illustration of required documents and criteria needed to be eligible for our short-term loans

Our short-term loans are suitable for people with a full-time salary. If your income is mainly from part-time work or social benefits, passing the affordability assessment that confirms you can afford a loan without causing you undue financial distress may be difficult.

Helping Hundreds of New Customers Across the UK Daily

Every day, we approve hundreds of loans for new customers and repeat customers across the UK, loaning them the emergency funds they need to cover different types of 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
£750 for Sean in Orpington for One-off Expenses
£750 for Kirsty in Stonehaven for One-off Expenses
£600 for Wyndell in Leighton Buzzard for Home Renovations
£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
£1100 for Navdeep in Houghton Le Spring for Home Repairs
£850 for Nicola in Southall for Household Expenses
£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
£1100 for Danielle in Westgate-On-Sea for Medical Bills
£1150 for Samantha in Blackpool for Unplanned Expenses
£600 for Paul in Sidcup for Car Repairs
£750 for Michael in Musselburgh for Debt Consolidation
£500 for Colin in Belfast for Bill Payments
£700 for Gabriela in Wakefield for Overdraft Fees
£800 for Loretta in Tonbridge for Unplanned Travel
£600 for Shamim in Winsford for Household Expenses

Paying for Vehicle Repairs

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Patricia from Manchester paid for Vehicle Repairs with a £550 loan.

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illustration of a car workshop with two mechanics working to repair a broken-down car, which will be paid for with a car repair loan

Paying for Tuition Fees

five blue star icons, representing customer testimonial

Sarah from London paid for college tuition fees with a £1300 loan.

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Paying for Personal Emergency

five blue star icons, representing customer testimonial

Emma from Newcastle paid for high electricity bill with a £750 loan.

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Paying for Medical Bills

five blue star icons, representing customer testimonial

Kristy from Liverpool paid for physiotherapy session costs with a £1000 loan.

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illustration of a person in a hospital bed reviewing their medical bill, which will be covered with the assistance of a medical emergency loan

Paying for Home Repairs

five blue star icons, representing customer testimonial

Stuart from London paid for emergency plumbing repair with a £900 loan.

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plumber repairing a sink in a home, illustrating loan-supported home repair and upkeep

Paying Off Multiple Debts

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Peter from Manchester consolidated his debts with a £,1200 loan.

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Breakdown of the Cost
of a £700 Short-Term Loan

This table provides a clear example of what it will cost if you borrow £700 for six months. It shows your total repayment, how your repayments will be structured, and the interest rate you will be charged.

No Hidden Fees

There are no hidden fees or charges if miss a payment in your repayment schedule. We strictly follow rules set by the Financial Conduct Authority (FCA).

Interest and fees will never exceed 0.8% per day of the borrowed amount, and you’ll never pay more in fees or interest than 100% of the total loan amount as per FCA regulations.

Loan Amount£700
Loan Period6 Months
Interest Rate P.A. (fixed)185.39%
1st Monthly Repayment£168.45
4 Monthly Repayments£224.60
Last Monthly Repayment£112.20
Total Repayment£1,179.05
Representative APR611.74%

Apply Online Now

Who Is PayDayLoansOnline.co.uk??

two company representatives examining the paydayloansonline.co.uk website on their laptop

Who We Are

PaydayLoansOnline.co.uk is a direct lending website that is part of the Western Circle LTD group of websites, a direct payday lender operating in the UK since 2016.

Our company registration number is 7581337, and our headquarters are located at Office 8, 2A Highfield Avenue, London, NW11 9ET, United Kingdom.

We have directly funded over £19 million pounds in loans and helped over 115,000 customers through paydayloansonline.co.uk so far.

pie chart displaying the percentage breakdown of the top seven purposes for which customers use our loans

Top 7 Uses of Our Loans

Our customers use our loans for lots of different urgent needs. Below is a breakdown of the top 7 common uses:

  • Medical and Recovery Costs: 16.2% of our customers used our loans to pay for health-related expenses.
  • Vehicle Repairs and Insurance: 15.7% of our customers used our loans to pay for car repairs and insurance.
  • Home Repairs and Insurance: 12.5% of our customers used to pay for urgent home repairs and insurance needs.
  • Education Costs: 15.3% are used to pay for tuition and school expenses.
  • Taxes and Bills: 14.2% are used to manage unexpected taxes and bills.
  • Personal Emergencies: 9.8% of our loans are used to pay for personal crisis situations.
  • Other Expenses: 16.3% of our loans are used for other general financial needs.

Based on customer usage, we’ve developed customized loans tailored to make getting a loan for these common financial emergencies even easier.

Chart showing the five cities where we give out the most loans

Top 5 Cities We Fund

We offer nationwide loans to people all across the UK. Our top 5 funding locations are:

  • London: We’ve directly funded over £10 million in emergency funds to the UK’s capital.
  • Manchester: £9.5 million in no collateral loans to residents in the Northern Hub.
  • Birmingham: £8 million of financial relief loans to customers in the heart of England.
  • Liverpool: £6.5 million in paycheck advances to customers in the Merseyside Port.
  • Glasgow: £6 million of quick cash to customers in the Scottish Metropolis.

Our goal is to help people all across the UK overcome urgent financial challenges, regardless of the town or village they are living in.

chart that shows the 7 different main loan types we offer

Our Loan Products

If you are looking for a specific type of online loan, we have a number of different loan products underwritten to meet your needs

Our Payday Loans are perfect when you need quick cash with easy-to-understand terms. If you prefer a longer repayment period, consider our Installment Loans. Plus, our No Guarantor Loans eliminate the need for a co-signer, streamlining your borrowing process.

When you only need a small amount of cash quickly, check out our Cash Loans. For urgent situations, our Instant Loans can provide immediate financial relief. And if you only need to borrow very small amounts of money, our Small Loans are a great choice.

Your Trusted FCA
Authorised Direct Lender

As an FCA-Authorised direct lender regulated by the Financial Conduct Authority (FCA) , we prioritize your financial well-being and aim to provide the best possible service. This means we comply with the strict regulations of the Financial Conduct Authority (FCA) to ensure fair and ethical lending practices.

When you choose us, you have peace of mind knowing you are dealing with a reputable direct lender dedicated to your financial well-being.

FCA Authorisation and
Regulation Details

Since 13/05/2016 we have been fully authorised and regulated by the Financial Conduct Authority (FCA). Our FCA full permission license is 714479.

ICO Registration Details

We are also registered with the Information Commissioner’s Office (ICO), registration number Z3305234.

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Customised Loans for
Emergency Circumstances

illustration of a car workshop with two mechanics working to repair a broken-down car, which will be paid for with a car repair loan

Car Repairs

If your car breaks down or needs urgent repairs, our loans can provide the cash you need quickly to get you back on the road.

illustration of a person in a hospital bed reviewing their medical bill, which will be covered with the assistance of a medical emergency loan

Medical Bills

When unexpected medical expenses happen, our loans can help you cover these costs of different types of medical bills and emergencies.

person holding cash, representing an emergency cash loan

Emergency Cash

For any unforeseen emergency that requires immediate cash, our loans offer a fast way to get the cash you need to handle the situation.

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Tuition Fees

Education is crucial, and if you’re short on funds for tuition fees, our loans can assist in bridging that gap, helping you stay on track for graduation.

plumber repairing a sink in a home, illustrating loan-supported home repair and upkeep

Home Repairs

Homes require upkeep. Our loans can provide funds to address these essential home repairs, helping to keep your living space safe and comfortable.

person standing next to an electricity meter, symbolizing financial aid for unexpected utility bills through loans

Unexpected Bills 

High or unexpected bills, like electricity, heating, or other utilities, can be a burden. Our loans can offer relief by providing the funds to settle these bills without delay.

Why Choose Us?

When you’re in search of a short-term personal loan online, you looking for simplicity, convenience, and a direct lender who truly understands your situation. That’s where we excel.

Effortless Borrowing

We’ve made borrowing money from us really easy and smooth. Our online application is quick and simple to use. In fact, 92% of our customers surveyed said our online loan application process was really easy to understand and complete.

Customized Emergency Loans

We looked at the most common emergencies our customers use our loans for and created customized loan products, making it easier to apply for loans for specific types of financial emergencies.

Experienced UK Customer Service

Our UK customer service team is here to assist you every step of the way. If you have questions or face difficulties during your loan term, you can call our friendly customer support team for help.

three customer service representatives with headsets on, ready to assist
image of a female single parent and a child putting shopping into a car signifying that before applying for any type of loan a person needs to ensure it makes financial sense at that time

Is a Payday Loan Right for You?

Payday loans are easy to get and provide fast access to funds when you face a financial emergency, but they come with very high interest rates.

These loans can help address short-term financial needs, but they are not a suitable solution for tackling long-term financial difficulties.

Before you commit to getting a payday loan, make sure it makes financial sense based on your current personal financial circumstance.

To understand if a payday loan is the right choice for you, consider comparing them to other personal loan products on the market. Read alternatives to payday loans if you wish to evaluate alternatives.

Get Help With Budgeting and Managing Debt

If you’re facing loan repayment difficulties, 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. MoneyHelper 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.

man holding an overdue bill in his hand, contemplating how we will be able to repay the debt

UK Company Excellent Award

We are proud recipients of the FamilyMoney Award for Excellence in Business in 2023, which acknowledges our commitment to exceptional customer service and leadership as an FCA-authorized company in the UK.

green award seal icon given to winners of the FamilyMoney Award for Excellence in Business

Your Payday Loan Questions.

What Is a Payday Loan?

A payday loan is a short-term loan for a small amount of money lent to borrowers on the agreement that the loan will be repaid on the borrower’s next payday or an agreed-upon period of time of 3-6 months.

Will I Be Credit Checked?

During the application process, we complete a soft search, also known as a soft credit check on you. This type of credit check leaves no permanent mark on your credit file. If you accept a loan offer, under the rules set by the FCA (Financial Conduct Authority), we are required by law to complete a full credit check before we release the funds. However, you will already have met the minimum credit requirements before this full credit check is completed.

Do I Have to Submit Payslips When Applying?

Our loan technology can automatically confirm your income, so most of the time, you won’t need to provide payslips during the application process. However, if we’re unable to confirm your income with our technology, you may be asked to upload your payslips while applying.

What Should I Do If I Am Having Trouble Repaying My Loan?

If you’re finding it tough to repay your loan, don’t worry – we’re here to help. Just reach out to us and explain what’s going on. It’s important not to ignore the situation or avoid talking to us. If you don’t let us know and your account falls behind, you’ll keep getting charged daily interest, and this could increase what you owe. Also, not paying on time might affect your credit score, making it harder for you to borrow money in the future. Remember, we’re a responsible direct lender and we always treat our customers fairly. We’ll do our best to work with you and find a way to help, based on your specific situation. You can call us on 020 3757 1933 or email support@paydayloansonline.co.uk now.

How Can I Verify a Payday Lender Is Approved by the FCA?

You should always check  if a UK lender is approved by the Financial Conduct Authority (FCA) before you take out a loan. You can do this by searching Financial service register database at https://register.fca.org.uk/s/

What Is the Highest Interest Rate and Repayment Amount a UK Payday Lender Can Charge?

In the UK, payday lenders and brokers are regulated to ensure consumer protection. They cannot charge more than 0.8% per day in interest, and they cannot demand repayment exceeding double the original borrowed amount. For example, if you borrowed £100 and had trouble repaying it, with a 0.8% daily interest rate, it would take approximately 87 days for the total amount owed to reach £200, which is the maximum repayment limit set by the Financial Conduct Authority (FCA) for lenders.

Are You Based Solely Online?

Yes, we are a 100% online internet based direct lender in the UK and not a high street lender. 

Need a Loan Fast?

No Hidden Costs or Fees

No Paperwork

High Approval Rates

Bad Credit – Welcome

No Obligation to Accept

FCA Authorized Direct Lender