Compare Direct Payday Loan Lenders

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.
Important information about payday loans
Your loan may be automatically extended if you donít 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.
QuickQuid Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,999%£100 to £1,0003 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 APRLoan AmountMaximum TermRepayment for £100
1,971%£100 to £1,0005 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 APRLoan AmountMaximum TermRepayment for £100
5,853%£1 to £40030 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 APRLoan AmountMaximum TermRepayment for £100
399%£200 to £2,0006 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 APRLoan AmountMaximum TermRepayment for £100
1,362%£100 to £1,00010 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 APRLoan AmountMaximum TermRepayment for £100
3,361%£100 to £1,00037 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 APRLoan AmountMaximum TermRepayment for £100
1,734%£100 to £40039 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 APRLoan AmountMaximum TermRepayment for £100
1,355%£50 to £50042 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 APRLoan AmountMaximum TermRepayment for £100
3,943%£100 to £10018 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 APRLoan AmountMaximum TermRepayment for £100
1,058%£50 to £5005 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 APRLoan AmountMaximum TermRepayment for £100
1,999%£100 to £1,0003 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 APRLoan AmountMaximum TermRepayment for £100
1,999%£100 to £1,00030 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 APRLoan AmountMaximum TermRepayment for £100
1,999%£100 to £1,0002 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 APRLoan AmountMaximum TermRepayment for £100
3,888.4%£50 to £40045 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 APRLoan AmountMaximum TermRepayment for £100
2,885%£100 to £50037 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 APRLoan AmountMaximum TermRepayment for £100
1,568.1%£100 to £6006 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 APRLoan AmountMaximum TermRepayment for £100
2,962%£100 to £50035 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 APRLoan AmountMaximum TermRepayment for £100
2,108.81%£100 to £3009 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 APRLoan AmountMaximum TermRepayment for £100
4,248.9%£75 to £40037 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 APRLoan AmountMaximum TermRepayment for £100
7,069.3%£80 to £30040 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.
 

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Payday Loan Comparison

Alternative Payday Loans

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

Payday Bank Loan

  • 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.

Payday Express Express Loan

  • 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.

PaydayUK Loan

  • 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.

QuickQuid Payday Loan

  • 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.

Purple Payday Payday Loan

  • 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.

QuickQuid FlexCredit

  • 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.

QuickQuid Payday Loan (2 Pay Period)

  • 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.

UK Payday Today Payday Loan

  • £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.