Cash advances for people in the UK
Need a cash advance? Apply for a quick cash loan now, receive a decision in seconds, and have the cash advance you need paid into your bank account quickly.
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
Online cash
The application process to get a cash loan is 100% online from start to finish.
UK cash lender
We are a UK Cash Lender, authorized by the FCA. Our FCA License is 714479.
Same day cash
Fast cash transferred to your bank with guaranteed same-day funding.
Cash advance loans shouldn’t be so difficult to obtain
Being denied for a cash advance when you’re in a bind can feel disheartening. Some lenders have very strict criteria for approving cash advance loans. At PaydayLoansOnline, we feel this is unfair. Make sure you avoid lenders with unrealistic stringent lending criteria and get your cash loan from PaydayLoansOnline.
Cash loan details
Loan amounts:
£300 – £1,500
Daily interest rate:
0.507%
Interest per annum:
185.39%
Repayment terms:
3 – 9 months
Funding time:
Same-day
Representative APR:
821.04%
What is a cash personal loan?
A cash personal loan is a type of loan that allows the borrower to receive a lump sum of cash all at once. Cash loans are often used for emergencies like car repairs and other unexpected expenses. They can also be used for larger purchases, such as a down payment on a new car or a rental deposit. In general, cash loans have higher interest rates than traditional loans since lenders consider them to be more risky. PaydayLoansOnline is a cash personal loan specialist company that looks at each person’s circumstances, not just their current credit score.
How to apply for a cash loan
Follow these three steps:
Fill out the form
It takes about 3 minutes to fill out our loan application form.
Get a decision in seconds
After filling out the form you get a decision within seconds.
Fast cash payout
The cash you need will be deposited in your bank within one hour.
What you need to know
A cash advance can be great for someone who does not want to go into overdraft with an ongoing fee or does not have a credit card available. When you need cash fast, a direct lender loan may be the most ideal.
Online loans are fast and easy to apply for and can be used when money is needed quickly. When applying for a loan, you should only apply for what you need as you pay interest on the total amount borrowed. To avoid paying too much interest, it’s important to calculate exactly how much you will require before applying.
Key points
- Apply for £300 to £1,500 in cash
- Get the cash directly from us into your bank account within 1 hour of approval
- Fair interest rates, whatever your credit score
- Flexible monthly repayments that work for you
Key requirements
To apply for an online payday loan, you must:
- Be 18+
- Be a resident of the UK
- Hold a UK bank account
- Have a source of income (salary, benefits, pension etc.)
Will I be accepted for a cash loan?
Whatever your credit score, we work hard to approve as many applicants as we can. If you can show you have enough disposable income to make the loan repayments and meet our other eligibility criteria, we are likely to accept you for a loan.
Completing the application form correctly will help us expedite your loan application, so it’s important to take an extra minute to go over the form and check you have completed it correctly. Often it’s just a mistake in the application which has caused us to decline loan requests.
Cost of borrowing £400 example
Here’s a breakdown of the full cost of getting a cash loan of £400 from us. The table includes your repayment period, interest rate, repayment structure, interest paid, total repayment, and representative APR.
For more cost breakdowns on different loan amounts, check our list of loan cost examples.
| Details | Example |
|---|---|
| Loan amount | £400 |
| Loan period | 4 Months |
| Interest rate P.A. (fixed) | 185.39% |
| 4 monthly repayments | £152.25 |
| Total interest paid | £208.95 |
| Total repayment | £608.95 |
| Example APR | 611.74% |
Who is Payday Loans Online?
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.
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.
Frequently Asked Questions
Maybe but it could mean the lender is unauthorised to lend, and therefore dangerous to deal with. Always go with a lender who is regulated by the FCA and appears on the FCA register.
You can use the money for whatever you want, but we strongly recommend against using it for frivolous expenses or to pay off other credit.
The money will be in your bank account within 1 hour of approval.
The cash will be deposited into your bank account within one hour of approval.
Ready to apply online?
No hidden costs or fees
No paperwork
Flexible repayments
Bad credit considered
No obligation to accept
FCA authorized direct lender