Instant Loans UK | Instant Decision | Borrow £300 to £1,500

Instant Loans

Instant loans from £300 to £1,500 for people who need access to instant credit, repayable over 6-9 months.

Representative example: Borrow £700 for 6 months. 6 monthly repayments of £199.85. Total repayment £1199.00. 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

Loan Payouts Should Be Instant, You Shouldn’t Have to Wait

Life’s unexpected expenses can be very stressful. When you need a loan to pay those expenses, it should be easy to borrow the money you need. Get the payday loan you need now without any hassle or stress.

Instant Loan Details

Loan Amounts:

£300 – £1,500

Daily Interest Rate:


Interest Per Annum:


Repayment Terms:

3 – 9 months

Funding Time:




What Is An Instant Personal Loan?

An instant personal loan is a type of loan that can be approved and funded very quickly. Instant loans are often used for emergencies, such as unexpected bills like medical or car repair bills. Lenders view instant loans as a higher risk, which is why they tend to charge higher interest rates to fund this type of loan. PaydayLoansOnline is an instant loan direct lender that allows you to apply for a loan in 3 minutes and get an instant decision if you were successful in your application.

How to Apply for an Instant Loan

Follow these three steps:

Fill Out The Form

It takes about 3 minutes to fill out our loan application form.

Get A Quick Decision

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

Instant loans are short term loans that can be sent to your bank account immediately. However, these loans are not always as instant and quick as they sound to be. After submitting a loan application, the lender must perform a creditworthiness assessment as per the FCA. Completing these checks do take time. However, most direct lenders online still manage to send money to customers’ bank accounts the same day.

Instant payday loans are designed to help in an emergency when there are no savings to use.

Key Points

  • Get your loan fast – within 1 hour of approval
  • Get the money directly from us
  • Bad credit accepted, so no need to worry about your credit score
  • Repay your loan in up to 6 monthly installments – or repay early at no extra cost.

Will I be Accepted for an Instant loan?

Whatever your credit score, we work hard to approve as many applicants as we can. Our high acceptance rates prove this. If you can show you have enough disposable income to make the loan repayments, 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.

Key Requirements

To apply for an online payday loan, you should:

  • Be 18 years or over
  • Live in the UK
  • Have a UK bank account
  • Hold a job or have a fixed source of income (benefits, pension etc.)

Ready to Apply for an Instant Loan?

Or learn more about our direct payday loans

Cost of Borrowing £800 Example

Here’s a breakdown of the full cost of getting an instant loan of £800 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.

Loan Amount£800
Loan Period4 Months
Interest Rate P.A. (fixed)185.39%
4 Monthly Repayments£301.20
Total Interest Paid£404.70
Total Repayment£1204.70
Representative APR611.74%
Representative Example

Frequently Asked Questions

When should I apply for an Instant loan?

You should apply for an instant loan in an emergency only. Always compare all your options before borrowing to make sure you’re getting the best deal for your unique situation.

Can I get the money paid into my bank instantly?

We don’t fund instant money. As an FCA authorised direct lender, we always carry out credit and affordability checks before approving your loan application. However, once we have approved your application, you can get the money paid into your bank within 1 hour.

Is an instant loan more expensive?

Not with PaydayLoansOnline, we understand that you need money for an emergency, and we will always provide an instant decision at no extra cost.

Ready to Apply Online Now?

No Hidden Costs or Fees

No Paperwork

Flexible Repayments

Bad Credit Considered

No Obligation to Accept

FCA Authorized Direct Lender