Direct Lender | Payday Loans Online | All Credit Considered

Direct Lender Payday Loans Online

Payday loans that are fast and convenient from a UK direct lender, with 24/7 online processing that guarantees instant loan decisions and same-day payouts.

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 Compare our loans at

Looking for Payday Loans Online?

Apply online for our payday loans to get the urgent cash you need to cover unexpected expenses and financial emergencies.

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Bad credit considered

We accept applications with all credit scores. If you can afford the repayments easily, your chances of approval are significantly higher.

icon featuring a receipt with the words 'No Fees' to signify transparency in our loans without hidden fees

No Hidden Costs

The complete repayment amount, repayment schedule, interest rate, and total interest to be repaid will be easily seen during the application.

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Fast Payouts

Approved loans will be deposited into your bank account in as little as a few minutes and we guarantee same-day funding for all our loans.

How Much Can I Borrow?

You can borrow between £300 and £1,500 at a daily interest rate from 0.507%, which is 185.39% per annum.

You can choose a loan duration of 3 to 6 months to spread out the repayments over time or you can repay your payday loan early to reduce daily interest.

If your loan application is approved, cash will be deposited into your bank account within minutes, with same-day funding guaranteed.

Our Payday Loan Rates and Terms

Loan Amounts:

£300 – £1,500

Daily Interest Rate:

From 0.507%

Interest Per Annum:


Repayment Terms:

3 – 6 months

Funding Time:




Short-term Loans Online.

We Have Your Best Interest at Heart

Image of a woman sitting on a sofa and looking at her phone, searching to find a reliable creditor
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 payday 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 check and a creditworthiness check when you apply to ensure the loan is in your best interest.

How to Apply Online Today?

Applying for our payday loans is easy. Just follow these three steps:

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1. Complete Our Online Application

Start by filling out our secure online form. The form collects the personal information we need to assess if we can provide you with an online loan based on your current financial circumstances.

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

2. Get an Instant Online Decision

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

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

3. Receive the Funds

If your application is approved, the loan amount is deposited 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.

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Who Is Eligible to Apply?

To be eligible for all of our short-term loans you must meet the following criteria:

1. Must live in the UK

2. Be at least 18 years old

3. Have a regular salary

4. Own a UK Bank account

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

Payday 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 online payday 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 Tuition Fees

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

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Paying for Medical Bills

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

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Paying for Home Repairs

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

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Paying for Vehicle Repairs

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

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Paying Off Multiple Debts

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

Learn More

Paying for an Emergency

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

Learn More

How Much Will I Repay?

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.

Interest and fees for our payday loans 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.

To learn more about loan costs for various amounts and durations use our payday loan calculator or check out more payday loan cost examples.

Loan Amount£700
Loan Period6 Months
Interest Rate P.A. (fixed)185.39%
6 Monthly Repayments£199.85
Total Repayment£1199.00
Representative APR611.74%
Representative example

Ready to Apply Online?

Who Is Payday Loans Online? is a direct lending website that is part of the Western Circle LTD group of websites, a direct payday loan 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 funded over £19 million pounds in online payday loans and helped over 115,000 customers through so to-date.

You can learn more about PaydayLoansOnline on our about us page.

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.

Ready to Apply Online?

Customised Payday Loan Options

Cash advances for different types of financial emergencies.

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.

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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.

illustration of a teacher and student in a classroom, symbolizing tuition fee payment through a loan

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 payday 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. Our online application is quick and simple to fill out. 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 small loans for and created customized direct lender payday 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 during business working hours.

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

To understand if this type of 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 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.

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

Latest News Expands Its Reach with Acquisition of
London, 18/12/2023 – In a strategic move to broaden our financial expertise and resources, we have acquired Learn more about this exciting development in our press release.

Frequently Asked Questions

What Is a payday loan direct lender?

A payday loan direct lender is a financial provider specializing in offering short-term loans directly from its own resources, without involving intermediaries or third-party lenders.

Will I be credit checked?

During the application process, we will complete a credit check on you. A credit check will help us assess whether you can afford a loan or not.

Do I have to submit pay slips when applying?

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

What should I do If I am having trouble repaying my payday 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 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

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 a high street payday lender or do you only offer payday loans online?

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

Financial Literacy Resources

Check out our helpful guides to learn how to manage your money better and to get to know the different kinds of loans we offer.

Our Customer Service Team are Ready to Help You

You can apply for our payday loans twenty four hours per day, seven days per week. Our team is available to assist you from 9 am to 5:30 pm, Monday to Friday if you have any more questions about our payday loans or you need loan support.

You can reach out to us in the following ways during our office hours:

Call us at 020 3757 1933 Between 9 am and 5.30pm, Monday to Friday.

Send us an email at between 9 am and 5.30pm,
Monday to Friday.

Our office is located at
Office 9, 2a Highfield Avenue, London NW11 9ET.

Ready to Apply Online?

No Hidden Costs or Fees

No Paperwork

Flexible Repayments

Bad Credit Considered

No Obligation to Accept

FCA Authorized Direct Lender