List of 20+ Best Payday Loan Direct Lenders in UK

A payday loan is a type of short-term loan, offered by a number of actual UK Lenders. You can get an instant loan if you are passing through some unconditional financial uncertainties. Payday Loan serves as a sudden quick help in times of immediate needs. You can quickly borrow the required amount by assigning a contract with any of the legitimate lenders.

With this loan amount, you can satisfy your urgent need and then come back to the lender with additional interest charges.

Few Companies offer instant approval without checking credit rating and few are more concerned with your credit score. It totally depends upon the provider and the advantages you take from the decision.

There are a number of Lenders in the United Kingdom, who serve their users by providing them first aid at the time of immediate need. All these lenders offer different service schedules that vary according to companies’ terms and conditions.

Top Payday Loan Lenders in the UK

When you look for cheap loans, make sure that the alternative options are legitimate.

Checklist Before Choosing Lender

Authorized Lender

It is mandatory for UK lenders to be authorized by the Financial Conduct Authority. Online lenders have to post their registration numbers on their websites.

Actual Lender

Many online instant payday loan companies state that they offer loans themselves but in reality, they grab your information and sell this information to the highest bidder.

In this way, they take away your chance to choose the right for you. The act requires them to state that they are not a direct loan lender but they are only a service to give you a loan.”

Privacy Policy

Be careful of the companies that don’t have a privacy policy on their website as it is a sign of a less reputable company.

Identity Security

Before filling out an application, see the company’s logos on the site to make sure the selected company uses security technology like McAfee Secure or VeriSign Secured to guard your personal information.

Industry Best Practices

The payday loan lender you choose should be an active member of organizations like the Credit Industry Fraud Avoidance System (CIFAS) ad Consumer Finance Association (CFA).

Physical Address

Beware if an online lender does not give a physical address for communication anywhere on their website.

Light Finance	Sunny	WizzCash
Satsuma	Mr. Lender	Swift Money
Quick Quid	Cash Lady	Realistic Loans
CashFloat	Ponds to Pocket	SkyQuid
Ferratum Money	Money.co.uk	STEPSTONE
Net Cash Man	Amigo	Quiddi Compare
Funding-Options	RBS

To take the right decision on; which one is the best and which is not may be hard for the consumer. In this reading, we have discussed the top and best direct loan lenders. Either they are new lenders or old in the market.

For example, the first company is willing to provide you a payday loan within 2 minutes, meanwhile, the other company provides same day loan, which may be within 10 minutes or 2 hours.

Quick/Instant Payday Loan Lender

Instant Lenders also varies due to the amount of quick loan they offer to the customers. Always give preference to instant Payday Loan lenders because they have experience and scalability.

Here are some instant payday loan lenders:

Light Finance Payday

LightFinance.co.uk has a well-known outlook and is trusted as the country’s most quick short term loan lender. It is one of the newly emerging short-term loan lenders that offer payday loans for legal purposes.

You can go with Light Finance if you want to start your small business, a corporation, or have some other legal issues.

How to Apply for Light Finance Instant Loan

The most important all is to check your eligibility for the required loan amount.

• If you are eligible, submit an application
• You will receive an approval email

Once your application is approved, move towards some legal formalities (Select your required loan amount, repayment period, Interest rate, etc.) After Processing these few more steps, you will get your cash ASAP into your account within some minutes

What is Light Finance Offering?

Light Finance offers immediate rescue services at the time of your need.

Light Finance offers;

1. Completely online application to get the loan process
2. Offer £100 to £5000 Loan amount for borrowers
3. Get cash within 15 minutes after approval application

Here’s a light finance comparison with Mr lender

Sunny

Sunny ranking among one of the top 10 instant lenders in the UK. It is making easy choices by offering loan services. These providers offer extra quick services to meet your time of need.

A sunny payday loan offers direct lending of cash into your account without considering any third-party lender. You can read the full sunny payday loan review here.

Apply with Sunny Payday Loan

1. You can deposit an application for loan requirement without any loan application fees, and interest charges
2. Wait for approval notice. If received, get ready for the further process.
3. The whole application process will be online to save your time and efforts as well
4. Fill up the application form and get the loan amount within 15 minutes direct into your account

What does Sunny Payday Loan offer?

1. Sunny Loan range from £100 – £2500 for new customers.
2. The Standard APR for Sunny would be 1291%.
3. Interest charges over each £100 would be 24%
4. Sunny Loans offer short-term payday loans maximum of 6 months.
5. Within 6 months you will have to repay your borrowed amount
6. To avoid extra interest charges, make sure to repay your monthly payments on time

For example, if you are borrowing a £100 payday loan for 3 months from Sunny loans, you will have to repay £124 over 3 installments. The average interest rate for this loan amount will be 146% fixed.

Sunny providing their services for the last 10 years and offer good vibes with the standard package.

WizzCash

Wizzcash as lenders offers short-term loans for your unexpected bills. If your bills are exceeding your credit limit and you do not have enough money to fulfill them. No worries, come to Wizzcash. As a direct payday loan lender offers you a direct loan amount without any third party interference.

HOW TO APPLY FOR WIZZCASH PAYDAY LOAN?

Wizzcash loan allows you to repay the loan within 3 to 6 installments depending upon your owed loan amount. You can apply for a Wizzcash payday loan if you are;

• 18 years of age
• Have a clear and good credit history
• Satisfactory monthly income
• Eligible to post an application request
• Wait for approval email
• When you received an approval email start further steps to get
• After fulfilling the form, you will get the direct loan into your active bank account

Wizzcash Offers

1. Wizzcash offers short-term solutions for your unconditional financial events within the UK
2. Loan amounts ranging from £300 to £1000
3. The interest rate is very reasonable and you have to repay the total owed loan amount in 3 installments
4. Instant payday loan within 15 minutes
5. Get completely online services

For example, you take a payday loan amount of £300. You will repay £154 each month and have to be completed within 3 months. The total repaid amount will be £454 including interest charges.

Quick Quid

Quick Quid instant payday loans are the best choice to make. If you are passing through a hard financial time, apply for Quick Quid payday loans, all online. You need to contact and receive the money as soon as possible.

Quick Quid offer short-term loans for 24 hours and 365 days a year.

Quick Quid Offers

1. Quick Quid offers a payday loan of up to £1000 for new customers and if you are a regular customer you can apply for £1500
2. Cheap loans with low interest rates
3. Legitimate alternative options in the UK
4. Direct financial conduct authority

Quick Quid loans help to be used as temporary solutions when you are in a financial disability. You can use this offer again and again at the time of need if you fulfill all the repayments on time.

For example, if you borrow a loan of £300, then you will have to repay £378 within 2 months. The principal and interest charges will be £156 and the representative rate 1294.1% (fixed).

How to apply for Quick Quid Payday Loan?

You can avail fast payday loan service from Quick Quid by following a few steps;

1. Check Eligibility Online
2. Sign up for the Quick Quid Online account
3. Add personal information (Name, Father Name, Email, etc.)
4. Add Work detail (The type of work, monthly income, savings, etc.)
5. Select Loan
6. Check the given details

Once you apply, Quick Quid processes your application and gives you a final approval notice.

After approval, you will get the online payday loan within the next 10 minutes.

Satsuma

It is one of the leading provident of payday loans having 135 years of experience in helping people. Satsuma offers satisfactory customer services within 1 hour after the approval process.

Satsuma is a short term direct payday loan lender for a maximum of 9 months.

For example, if you borrow £380 for 9 months. The rate of applicable interest will be 122.1% and the total amount repayable will be 729.05%.

It offers:

1. Instant payday loans up to £1000 within 1 hour after approval
2. Customer Satisfaction in the UK
3. No hidden costs or fee
4. Satsuma protects your credit scores and informs you every month about credit results
5. Easy to contact (whole online) and straightforward to process
6. Approval for a payday loan is only subject to the successful repayment affordability

Once you are approved, you will get your required amount within 1 hour.

Mr. Lender

Mr.Lender is a simple, flexible, and short-term top payday loan provider in the UK market. It Offers short-term loans minimum of 3 months.

Mr. Lender makes it clear for you to make a suitable loan selection.

Mr. Lender is experienced to provide responsible lending services for a long. They are willing to provide fast services to thousands of people every month and get 98% feedback from about 18,500 customers

Mr.Lender offers its actual payday loan services completely online and processes your application earliest possible.

What Mr Lender offers?

1. Simple Short-term flexible payday loans
2. No late fees charges
3. Completely Online process
4. The borrowing limit for new customers is £500 and £1200 for those who return to Mr.Lender more than once
5. Eligibility requires only affordability to repay the owed amount
6. You can access your required amount within an hour after the application

You can apply online to access it immediately. The whole application process is easy and straightforward.

The unique privacy policy of Mr. Lender is the thing that makes it different and secure from other lenders. When going with Mr. Lender; avoid late repayments because it may cause serious money problems and expensive loans in the future.

Pounds to Pocket

Pound to the pocket is a friendly, flexible, and efficient payday loan lender. You can apply for £2,000 or more for a minimum of 6 months and a maximum of 12 months.

Pounds to pocket stand 24 hours a day to fully satisfy their customers.

Pound to Pocket offers

Pound to pocket offers helpful, fully authorized, and customer satisfactory services.

1. A satisfactory Loan amount that easily fulfills any of the short-term money need
2. You can apply for more than £2,000 will be repaid within 6 or 12 months
3. Enhanced customer services
4. You can also choose a representative to own its own that fits your budget
5. Flexible and easy to understand

Apply for Pound to Pocket

1. You can apply for more than £2,000 for short-term money need
2. Wait for the application decision
3. If your application would be approved, you can get your loan amount within 10 minutes into your bank account
4. Select repayment schedule

Pound to Pocket Actual payday lenders offers their services only for UK residents aged 18 years or more. And have enough source of income to repay the owed amount each month on time.

Brand New Payday Loan Lenders

Many companies have a reputable status in the market because they are providing loans to their regular customers for a long and have a great history. But, there are many newly emerging payday loan companies that come into sight, some of them successfully providing these unsecured loans to a large number of people.

Some of the emerging loan providers provide completely online services while some lenders provide the option to visit banks also.

Have a look at the newly Emerged Brand New Payday Loan Lenders;

Quiddi Compare

Quiddicompare offers up to £1,500 directly from their website. You can directly contact the company through a phone call or via email.

Quiddicompare is one of the responsible lenders among the newly emerging payday lenders who try to meet the direct lending criteria in the UK.

The application process for Quiddicompare loans is quite easy and comfortable.

Application Process

Quiddi Compare allows its customers to process completely online by going to the company’s official website.

On the website, you will be asked to enter some important personal information like your name, address, email, fathers’ name, bank account, and working status.

After submitting the required information, you will receive a confirmation phone call.

Select Loan

Now you will be exposed to a loan borrowing list along with the interest rates applied. Select one among the list that is suitable for you when repaying and also the one that satisfies the immediate need you applied for. Also, see the repayment schedule for the loan you are going to borrow.

Get Deposit

The final decision will be taken after the phone call. Now if you declared as accepted for lending. The next step is to get the loan amount deposited into your active account.

QuiddiCompare is loved by its customers due to the active customer support and also due to the affordable default charges.

Ferratum Money

The FerratumMoney is a micro-loan provider in the UK, that offers quick financial support for its users within 2 hours. Ferratum Money offers money to support over £50 to £1000 and will be repaid over 1 to 6 months maximum.

There are many reasons, people prefer Ferratum loans when in need, but the most important to discuss is their higher support rates with minimum interest rates and also extra fast services.

FerratumMoney claims to stand for each of its customers when they request a loan whether it is very big or small.

Apply for the FerratumMoney Payday Lenders

The process is not too complicated, you will just have to fill up the application form shown on the screen and after that just wait for a while to hear the news of the payday loan deposit the same day into your account.

Take Insight into the Loan amount you are going to borrow

Read before signing up agreement carefully. Everything must be clear and decided before taking payment into your hand. Also, see how many interest rates are settled for the loan amount you are borrowing.

Once you are satisfied with all the terms and conditions do sign on the paper and get your money within 2 hours.

Money.co.uk

Borrow money from Money.co.uk and make sure to return it on time each month to avoid default extra charges. Money.co is designed to provide you with quick financial aid when you are in need.

So, don’t hesitate to tell Money.co about your financial loss. Not only a financial loss, but people also claim payday loans for a couple of reasons.

Money.co is always available to provide first-hand help. Money.com offers £500 to £1,200 for 6 months.

The selection of loans is the most important factor to be considered when borrowing loans.

You can make your loan cheap if you think before borrowing

• How much are you going to borrow?
• How much you are capable of repaying comfortably

Apply for Money.co.uk

If you are going to borrow a loan from Money.co must meet with;

• 18 years of age or over
• A permanent UK citizen
• Have a Clear Credit history
• Must have the UK based Active Bank account

Go Ahead – Submit Your Application

If you are eligible according to the criteria, then write an application completely online, for approval. In the application form, you will be asked to jot down some personal information and your status as well.

Now as the loan approval process may take time, wait for an approval letter.

If your loan request is approved, you are quite near to the cash but if rejected don’t lose hope, try with another lender on the list where you are compatible.

STEPSTONE

STEPSTONE is highly accepted by customers, and credit facilitators that allow you to borrow more than £1,000 for a fixed amount of time. STEPSTONE is different from other payday lenders by providing 0% pressure and also granting viable flexibility that helps to improve your credit history.

You can apply for a STEPSTONE payday loan online or through STEPSTONE mobile app. Set your fixed borrowing amount and click to withdraw, the cash loan amount is in your hands.

STEPSTONE requires nothing but you have to show your worth of repaying when do sign for the application. It is a perfect loan alternative because they do not process your application for payday as much as other lenders do.

Basically, they do not understand the customer’s situation truly.

STEPSTONE knows well your situation when you come to request a payday loan. It just asks for some personal details, the process for your loan deposited into your account.

The next step is to withdraw the loan amount from the bank on the same day. And be careful, about repayments, STEPSTONE appreciates repayment on time each month and also you can earn rewards by doing so.

Calculate borrowed amount plus interest rates and then manage every month.

SkyQuid

SkyQuid is one of the newly emerged short-term loan providers. SkyQuid aims to provide maximum credit based on your time of need for a short time.

The only thing you will have to care about while going with SkyQuid is to repay the loan amount on time each month to avoid default charges. SkyQuid always keeps its best to serve people when they immediately need help.

They offer loan amounts up to £1,000 or more for 6 months installment period.

Apply for SkyQuid

To apply for a short-term loan from SkyQuid fill up an online application form and submit it. Application forum asking for your personal information, work status, required loan amount, and the active bank account.

Approval

If your application is approved and you will be declared eligible to get the short-term loan, then you will get up to £500 if a new customer and £1,000 if you are a returning customer.

Repay

Select a repayment schedule, you can return the owed loan amount in more than one installment and the maximum offered period is 6 months only. Late repayment will be accepted with £15 after 90 days including interest rates.

Amigo

Amigo Loans is emerging more quickly among the list of Brand New Payday Loan Lenders in the UK because Amigo offers the traditional mode of payments.

Amigo loan does not need any online or offline security to secure you as a customer, they focus on the ancient method when a trusted person among your relatives comes to the officials and gives your repayment security.

Same as these policies Amigoloans come into evolution. It offers payday loans over the 30th APR and the loan amounts will be up to £5,00 to £10,000 with very low-interest charges.

The flexibility offered by Amigoloans helps to standby your credit scores.

How to Apply for Amigo Payday Loan?

Fill up the application form online, that clearly describes how many amounts you are going to borrow and also a budget plan that is to check your affordability to repay.

The next step is to write an application by your guarantor in which his budget plan would be discussed only. Once your lender accepts, the company will send you an email to confirm the given information.

Your application is approved and now ready to sign the agreement containing other details.

How much do I wait to Get my Loan?

Amigo loan does its best to provide you with the loan within 24 hours. There are things that sometimes cause late loan deposits,

• Your guarantor may come late and also takes time to understand and fill up the application form
• May you have applied during the weekend or bank holidays
• You may forget to ring your details etc.

Accept these things, nothing else stops Amigo loans to delay loan deposition. If all these situations settle well, then you will receive a loan amount directly into your account.

Go and withdraw to satisfy your immediate need.

UK’s Top 5 No Credit Check Payday Loan Direct Lender

No Credit check payday loan means you do not want to show your credit history to the lender. There are a number of companies, that offer payday loans without determining your past credit history. These are usually same-day loans without any wait-long application and approval processes.

Funding-Options

Funding-Options is basically a payday loan lender with a vast range of options, through which you can choose one that fits your needs seamlessly.

For the last 50 years, Funding-Options carry out its services as a top-class No credit check payday loan provider. The major focus of the Funding-Options company is to provide loans for businesses.

It would be short-term; No Credit checks payday loans or fast business loans. You will have to choose one out of all.

CashFloat

CashFloat is a trusted high acceptance direct payday loan lender in the UK. This lender performs an affordability check before accomplishing your payday borrowing application.

CashFloat redesign their loan according to customers’ needs and made loans more efficient, safer and affordable.

Cashfloat offers

If you facing an unwanted financial crisis

1. CashFloat ]offers £200 – £1100 short term loans
2. Short-term Bad Credit payday loan
3. Get an instant payday loan within 90 seconds if you are applied during a working day and if you need an immediate loan during the weekend, this lender does their best to meet your requirements through the online loan helpline
4. Responsible and dutiful policies

Apply for Cashfloat Instant Payday Loan

If you are looking for a quick approval lender, then CashFloat will be the right choice. It is an instant payday loan lenders become crazy when you ask for help.

CashFloat offers direct loans in two ways, whether you get online or come to the branch. It’s all up to you. The online application is more convenient and time-saving than going to the branch and asking for a loan.

1. When you apply for a payday loan, Cashfloat checks your ability to repay by asking some security questions
2. According to asked questions if you are eligible for a loan – CashFloat sent an approval email
3. Click to improve and get your loan amount directly into the bank account

Royal Bank of Scotland

Royal Bank of Scotland created a No Credit check loan option, to help small businesses to take a worthwhile start. RBS offers £1,000 to £50,000 over fixed rates of interest, even for new customers.

To meet with RBS Loan eligibility criteria you only have a satisfactory income source that may be taken for security purposes. You will get your demanded loan amount within 10 minutes after the approval of an application.

Swift Money

Swift Money direct payday loan lenders in the UK are able to provide their services 24 hours a day. Upon approval, you will get up to £1000 deposited into your account within 10 minutes. Unlike other lenders in the UK, Swift Money does not take time to process the application.

Swift Money achieves the highest rank in the market due to its one-page application process to get an instant unsecured loan. The application process would be completely online.

You just need to give some security checks, so that you are able to repay the owed money each month on time.

Swift Money Payday loan is not suitable for a long-term loan. You can apply a maximum of 30 days or 60 days repaid with very reasonable interest charges.

For example, if you owed a loan amount of £250 for 30 days, the representative APR would be 1255.66% and the total amount repaid would be £310 including 292.25% interest charges.

Swift money offers

1. Swift Money in the UK offers very high acceptance rates
2. Online application process
3. Ensure Strict data protection
4. Need not any previous credit record
5. Instant payday loans up to £1000 within 10 minutes
6. Like other payday lenders in the United Kingdom, Swift Money does not need any project proof where you are going to use this loan
7. Very low-interest charges
8. FCA Authorized

How to apply for SWIFT MONEY PAYDAY LOAN?

1. To get Swift money payday loans, Signup online to submit your application
2. Wait for approval email to process further
3. If you are eligible you will receive an approval email within 1 hour after application submission
4. If approved, add some of your required information and select the loan amount you want to owe
5. The last step is to get a direct deposit into your account

Realistic Loans

Being Realistic, Realistic.com planned to help you when you are searching for the best online No Credit Check loan provider. Realistic.com knows well that when you are going to apply for an instant payday, obviously have some urgent need.

So, under these considerations, realistic.com offers £25,000 or more which will be deposited into your account after 10 minutes of an approval process.

Money Boat

Money Boat is also another direct payday lender aiming to provide you with affordable short-term loans when your finance flow hits you badly. While going with Money Boat lender you can apply for a minimum £800 and the maximum amount will be according to the borrower’s immediate money need.

Money Boat is willing to provide its Online services during standard business hours. You can get your loan amount within 10 minutes after applying. Money Boat does its best to provide you with a responsive and satisfactory response because customer satisfaction is its first priority.

Money Boat offers:

1. You can directly apply for short-time installment loans
2. The owed amount will be repaid within 6 months’ limit
3. You can apply for £800 if, new customers and returning customers can apply for £1500 that fits into your need
4. Money Boat doesn’t charge any up-front fees or hidden interest charges
5. The whole application process will be online or via email
6. You can get a same day payday loan while going with Money Boat

You can apply for a payday loan from Money Boat if you are 18 years of age and a permanent UK citizen. Also, you must have a minimum net monthly income of £1,000.

The process to apply is quite easy, you just have to apply online by giving the reason, why you are going to owe this loan and as a security, you will have to add your net monthly income. Within 10 minutes after application approval, you will get the loan amount directly into your account.

Cash Lady

Cash Lady also offers A Credit check loan even if you have a poor credit history. Regardless of your past credit history, Cash Lady offers whilst short-term loans that fit seamlessly into your immediate needs and also help to improve your credit record.

From CashLady you can borrow £100 –  £1000 short-term loans. This amount of loan would be variable due to the difference in interest rates. The amount will be repaid within 3 installments.

For example, if you want £250 for 3 months. The total repayable amount will be £411.63 including interest charges. So, if you don’t have a good credit history, you can still get a bad credit loan by simply contacting a direct loan lender.

Short-term loans by CashLady are designed to help you in a sudden emergency. You will apply online for a payday loan and get it without any past credit check within 2 minutes.

Net Cash Man

It is a guaranteed No Credit Payday loan provider. Net Cash Man is a direct loan lender that understands your needs. It offers a whole online payday loan. While you are going with a Net Cash Man payday loan you will get immediate access to $200, $300, or even $1000 within an hour.