About us
At Payday Loans Online, we’re proud to be part of Western Circle LTD, a fintech company at the forefront of online underwriting technology. Our mission is simple: to make borrowing money online easy and hassle-free. As a direct lender, we’re committed to being transparent, reliable, and here for you when you need us. Our friendly and knowledgeable team is always ready to answer your questions and provide the support you deserve.
Our mission
We aim to be the friendliest payday loans brand in the UK. While payday loans often have a bad reputation, we believe our service fills an important need. So far, we’ve helped over 115,000 people in the UK—many of whom couldn’t get support from banks or other lenders.
PaydayLoansOnline statistics
£19m+
Loans funded
£530
Average loan amount
100%
Online application
115,000
UK customers
Top 7 uses of our loans
Our payday loans help customers manage a variety of urgent financial needs. Here’s how they’re most commonly used:
- Medical and Recovery Costs: 16.2% of customers rely on our loans for health-related expenses.
- Vehicle Repairs and Insurance: 15.7% use our loans to cover car repairs and insurance.
- Home Repairs and Insurance: 12.5% use them for urgent home repairs and insurance needs.
- Education Costs: 15.3% go toward tuition and school-related expenses.
- Taxes and Bills: 14.2% help manage unexpected taxes and utility bills.
- Personal Emergencies: 9.8% are used during personal crisis situations.
- Other Expenses: 16.3% cover general financial needs.
Based on how customers used our loans we’ve designed personalized loans to make it easier to get the loan you need to handle these kinds of financial challenges quickly and stress-free.
Top 5 cities we fund
We proudly offer payday loans online to people across the UK. Here are the top 5 cities where we’ve provided the most support to:
- London: Over £10 million in emergency funds delivered to the nation’s capital.
- Manchester: £973,000 in no-collateral loans provided to residents of this bustling Northern hub.
- Birmingham: £836 thousand in unsecured loans to customers in the heart of England.
- Liverpool: £676 thousand in paycheck loans to customers in the Merseyside Port.
- Glasgow: £663 thousand in small loans to customers in the Scottish Metropolis.
Our goal is to help people across the UK handle urgent financial challenges, no matter which town or village they call home.
Our loan products
If you are looking for a specific type of payday loan online, 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 guarantor, making the borrowing process much easier.
When you only need a small amount of cash quickly, our cash Loans are a good option. For urgent financial emergencies, our instant Loans can are way to get money fast. And if you only need to borrow very small amounts of money, our small Loans are a great choice.
Always putting our customers first
At our core, we are dedicated to supporting our customers by offering personalised loan solutions while ensuring their well-being is always prioritized. We understand that financial challenges can be stressful, and we’re committed to providing not only financial guidance but also access to vital resources and support for mental and emotional health.
- Samaritans – Provides emotional support to anyone in emotional distress, available 24 hours a day, 365 days a year – 116 123 – samaritans.org
- Campaign Against Living Miserably (CALM) Provides advice & information to anyone who is struggling or in a crisis – Everyday – 5pm to midnight – 0800 585858 – thecalmzone.net/get-support
- Anxiety UK – Supports those affected by anxiety and anxiety disorders – Monday to Friday 9am – 5.30pm – 0344 477 5774 – anxietyuk.org.uk
- Mind – Provides information and support affected by mental health conditions – Monday to Friday 9am to 6pm – 0300 123 3393 – mind.org.uk
- Cruse Bereavement Care – Support, information and advice to bereaved people – Monday to Friday 9.30am to 5pm, Tuesday, Wednesday & Thursday 9.30am to 8pm. – 0808 8081677 – cruse.org.uk
- Carers – Provides advice, information and support to carers – Monday to Friday 9am to 6pm – 0808 8087777 – carersuk.org
- Relate – Provides relationship support – Monday to Thursday 9am to 7pm, Friday to Sunday 9am to 5pm – 0300 003 2972 - relate.org.uk
- FRANK – Provides information about drugs – 24 hours, 7 days a week – 0300 123 6600 – Text 82111 - talktofrank.com
- Drinkaware – Provides information to help those who have a problem with alcohol – Monday to Friday 9am to 8pm, Weekends 11am to 4pm - 0300 123110 – drinkaware.co.uk
Meet our data protection manager
Richard Sherlock is our Data Protection Manager. Richard is responsible for overseeing and ensuring your data is safe and handled by the utmost strict regulation.
Career opportunities
We are actively looking to expand our team. If you are really into customer service and want to join a brilliant company, don’t hesitate to contact us.
Contact us
You won’t have to worry about long phone menus if you call us. No need to worry about your email getting lost in our inbox. At PaydayLoansOnline.co.uk, we pride ourselves on providing exceptional customer service – the same kind we would want.
Keep it simple
Fill in our short online loan application form and receive a decision online.
We developed a user-friendly, safe and easy-to-apply application form.
Compare us
We encourage all our customers to compare us with other direct lenders. If we can’t give you the best product, we prefer to lose you to our competitors.