Compare cheap payday loans from direct payday loan lenders only & find the cheapest loan possible from a direct payday loan lender in the UK. In our payday loans direct lender online comparison we list direct payday lenders UK wide so it's quick & easy for you to see which direct loan lender will give you the cheapest borrowing.

Search **35** payday loans.

Important information about payday loans

Your loan may be automatically extended if you don’t repay it in full, this may impact your credit score and cost you extra in fees and interest. Failure to pay could mean you face collection action. If you already have a payday loan don't take out another as cheaper options are available; our guides explain.

Payday loans are expensive and should only be used for short term borrowing. Make sure you understand the costs before you apply.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

Debt problems? Get free confidential advice from StepChange Debt Charity on 0800 138 1111.

Debt problems? Get free confidential advice from StepChange Debt Charity on 0800 138 1111.

QuickQuid Payday Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |
---|---|---|---|---|

1,999% | £100 to £1,000 | 3 months | £129.50 over 31 days | |

Use code MONEY30 to save 30% on your initial interest rate. | ||||

Representative Example: The Representative APR is 1,999% so if you borrow £200 over 31 days at a rate of 347% p.a. (fixed) you will repay £159. | ||||

sunny.co.uk Flexible Credit | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

1,971% | £100 to £1,000 | 5 months | £127.06 over 28 days | |

Representative example: The Representative APR is 1,971% so if you borrow £350 over 12 months at a rate of 345% p.a. (variable) you will repay 12 monthly payments of £105.65 and £1267.80 in total. So if you borrow £100 over 28 days you will repay £127.06 in total. | ||||

Wonga Short Term Cash Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

5,853% | £1 to £400 | 30 days | £135.04 over 28 days | |

If you want this loan you'll need to pay a £5.50 faster payment fee. | ||||

Representative Example: The Representative APR is 5,853% so if you borrow £150 over 18 days at a rate of 365% p.a. (fixed) you will repay £183.49. Includes £5.50 transmission fee. | ||||

Pounds to Pocket Short Term Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

399% | £200 to £2,000 | 6 months | - | |

Representative Example: The Representative APR is 399% so if you borrow £550 over 12 months at a rate of 172% p.a. (fixed) you will repay £98.54 per month and £1182.50 in total. | ||||

QuickQuid FlexCredit | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

1,362% | £100 to £1,000 | 10 months | £123.49 over 30 days | |

Use code MONEY30 to save 30% off initial loan fees. | ||||

Representative Example: The Representative APR is 1,362% so if you borrow £1,200 over 10 months at a rate of 300% p.a. (fixed) you will repay £2,831.34. | ||||

PaydayUK Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

3,361% | £100 to £1,000 | 37 days | £129.95 over 30 days | |

Receive £5 cashback for every £100 borrowed when you pay it back in full and on time. | ||||

Representative Example: The Representative APR is 3,361% so if you borrow £275 over 28 days at a rate of 359.40% (fixed) you will repay £357.36. | ||||

Tide u Over Payday Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

1,734% | £100 to £400 | 39 days | £135 over 30 days | |

This provider is not signed up to the Good Practice Charter which encourages responsible lending from payday lenders and brokers. | ||||

Representative Example: The Representative APR is 1,734% so if you borrow £200 over 28 days at a rate of 326% p.a. (fixed) you will repay £261 in total. | ||||

PiggyBank Payday Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

1,355% | £50 to £500 | 42 days | £130.10 over 28 days | |

If you want this loan you'll need to pay a total of £6.95 in fees. | ||||

Representative Example: The Representative APR is 1355% so if you borrow £250 for 30 days at a rate of 300% p.a (fixed)you will repay a total of £319.45. | ||||

MYJAR Payday Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

3,943% | £100 to £100 | 18 days | £120 over 18 days | |

Representative Example: The Representative APR is 3,943% so if you borrow £100 over 18 days at a rate of 406% p.a. (variable) you will repay £120 in total. | ||||

Peachy Loans Short Term Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

1,058% | £50 to £500 | 5 months | £132 over 28 days | |

If you want this loan you'll need to pay a £5 faster payment fee. | ||||

Representative Example: The Representative APR is 1,058% so if you borrow £100 over 28 days at a rate of 365% p.a. (fixed) you will repay £132 in total. | ||||

QuickQuid Payday Loan (3 Pay Period) | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

1,999% | £100 to £1,000 | 3 months | £188.50 over 90 days | |

Use code MONEY30 to save 30% on your initial interest rate. | ||||

Representative Example: The Representative APR is 1,999% so if you borrow £100 over 90 days at a rate of 347% p.a. (fixed) you will repay £188.50. | ||||

QuickQuid Payday Loan (1 Pay Period) | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

1,999% | £100 to £1,000 | 30 days | £129.50 over 31 days | |

Use code MONEY30 to save 30% on your initial interest rate. | ||||

Representative Example: The Representative APR is 1,999% so if you borrow £100 over 31 days at a rate of 347% p.a. (fixed) you will repay £129.50. | ||||

QuickQuid Payday Loan (2 Pay Period) | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

1,999% | £100 to £1,000 | 2 months | £159 over 60 days | |

Use code MONEY30 to save 30% on your initial interest rate. | ||||

Representative Example: The Representative APR is 1,999% so if you borrow £100 over 60 days at a rate of 347% p.a. (fixed) you will repay £159. | ||||

Money In Advance Payday Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

3,888.4% | £50 to £400 | 45 days | £130 over 30 days | |

If you want this loan you'll need to pay a £5 faster payment fee. | ||||

Representative Example: The Representative APR is 3,888.4% so if you borrow £250 over 28 days at a rate of 391.3% p.a. (variable) you will repay £325 in total. | ||||

Payday Express Express Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

2,885% | £100 to £500 | 37 days | £129 over 28 days | |

Representative Example: The Representative APR is 2,885% so if you borrow £200 over 28 days at a rate of 378% p.a. (variable) you will repay £258 in total. | ||||

Shelby Finance Instalment Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

1,568.1% | £100 to £600 | 6 months | £210 over 6 months | |

If you want the money the same day you'll need to pay a £15 faster payment fee. | ||||

Representative Example: The Representative APR is 1568.1% so if you borrow £150 over 6 months at a rate of 330% p.a (fixed)you will repay £52.50 a month and £315 in total. £15 is deducted for a UK Faster Payment Charge before the transfer of your loan. | ||||

The Money Shop Payday Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

2,962% | £100 to £500 | 35 days | £129.99 over 28 days | |

Representative Example: The Representative APR is 2,962% so if you borrow £200 over 28 days at a rate of 390.94% p.a.(fixed) you will repay £259.98 in total. | ||||

True Blue Instalment Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

2,108.81% | £100 to £300 | 9 months | £162.87 over 3 months | |

Representative Example: The Representative APR is 2,108.81% so if you borrow £200 over 6 months at a rate of 348% p.a (fixed)you will repay £67.62 a month, total repayable is £405.55. | ||||

Uncle Buck Payday Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

4,248.9% | £75 to £400 | 37 days | £134.95 over 30 days | |

If you want the money the same day you'll need to pay a £15 faster payment fee. | ||||

Representative Example: The Representative APR is 4,248.9% so if you borrow £200 over 29 days at a rate of 439.89% p.a. (fixed) you will repay £269.90 in total. | ||||

WageDayAdvance.co.uk WageDayAdvance Loan | ||||

Representative APR | Loan Amount | Maximum Term | Repayment for £100 | |

7,069.3% | £80 to £300 | 40 days | £129.50 over 28 days | |

If you want the money the same day you'll need to pay a £15 faster payment fee. | ||||

Representative Example: The Representative APR is 7,069.3% so if you borrow £225 over 28 days at a rate of 384.5% p.a. (fixed) you will repay £306.38 in total. | ||||

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

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You may want to compare the above payday loans with the following.

- New customers get max loan of £750.
- This payday loan gives 2,670% representative APR.
- A £80 minimum loan is offered.
- This payday loan gives a max loan term of 28 days.
- Get minimum loan length of 1 day.
**Representative Example: The Representative APR is 2,670% so if you borrow £180 over 28 days at a rate of 378% p.a. (fixed) you will repay £232.20 in total.**

- You get CFA trade association affiliation from Payday Express.
- Customers can get £100 minimum loan.
- Customers will get 2,885 percent representative APR.
- 8 days minimum loan period is offered with Express Loan.
**Representative Example: The Representative APR is 2,885% so if you borrow £200 over 28 days at a rate of 378% p.a. (variable) you will repay £258 in total.**

- New customers will get minimum loan of £100.
- Customers get CFA trade association affiliation.
- Customers get 3,361 percent representative APR from the payday loan.
- Max loan of £1,000 is offered with Loan.
**Representative Example: The Representative APR is 3,361% so if you borrow £275 over 28 days at a rate of 359.40% (fixed) you will repay £357.36.**

- Get £100 minimum loan from QuickQuid.
- This QuickQuid Payday Loan has £1,000 max loan.
- Representative APR of 1,999% is offered with Payday Loan.
- Customers get CFA trade association affiliation from this Payday Loan.
- Payday Loan offers a max loan term of 3 months.
- 1 day minimum loan length is available to customers.
**Representative Example: The Representative APR is 1,999% so if you borrow £200 over 31 days at a rate of 347% p.a. (fixed) you will repay £159.**

- Customers get CCTA trade association affiliation.
- 2,758.17% representative APR is offered.
- £1,000 max loan is available with the payday loan.
- Get 1 day minimum loan term from Purple Payday.
**Representative Example: The Representative APR is 2,758.17% so if you borrow £173.60 over 30 days at a rate of 434.9% (fixed) you will repay £226.68 in total.**

- New customers get CFA trade association affiliation from the payday loan.
- FlexCredit gives a representative APR of 1,362 percent.
- Maximum loan of £1,000 is offered.
- New customers get minimum loan length of 1 month.
- 10 months maximum loan term is offered to customers.
**Representative Example: The Representative APR is 1,362% so if you borrow £1,200 over 10 months at a rate of 300% p.a. (fixed) you will repay £2,831.34.**

- Representative APR of 1,999%.
- Get 1 day minimum loan length from QuickQuid.
- The payday loan has a max loan of £1,000.
- You can get minimum loan of £100.
**Representative Example: The Representative APR is 1,999% so if you borrow £100 over 60 days at a rate of 347% p.a. (fixed) you will repay £159.**

- £100 minimum loan is available.
- Maximum loan term of 28 days.
- Get representative APR of 2,327.87 percent.
- A 1 day minimum loan term is offered.
- £1,000 maximum loan is offered with Payday Loan.
**Representative Example: The Representative APR is 2,327.87% so if you borrow £275 over 28 days at a rate of 359.4% p.a. (fixed) you will repay a total of £357.36.**