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.

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.

sunny.co.uk Short Term Credit Account
Representative APRLoan AmountMaximum TermRepayment for £100
1,971% APR (variable)£100 to £1,0005 months£127.06 over 28 days
No transfer fees. No late payment fees.
Representative example: The Representative APR is 1,971% APR so if you borrow £350 over 12 months at a rate of 348% p.a. (variable) you will repay 12 monthly payments of £105.65 and £1267.80 in total.
QuickQuid Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,999% APR£100 to £1,0003 monthsvaries
Use code MONEYQ10 to save 10% on your initial interest rate. No hidden fees.
Representative Example: The Representative APR is 1,999% APR so if you borrow £200 over 31 days at a rate of 347% p.a. (fixed) you will repay £259.
Wonga Short Term Cash Loan
Representative APRLoan AmountMaximum TermRepayment for £100
5,853% APR£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% APR 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.
Satsuma Loans Short Term Loan
Representative APRLoan AmountMaximum TermRepayment for £100
793.8% APR£100 to £30026 weeks£140.01 over 13 weeks
Satsuma Loans are a Short Term Loan Provider. 97% of our customers would use us again.
Representative Example: The Representative APR is 793.8% APR so if you borrow £260 over 26 weeks at a rate of 136.1% p.a. (fixed) you will repay £16.80 per week and £436.80 in total.
Lending Stream Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,960.5% APR£50 to £8006 months£125 over 30 days
Representative Example: The Representative APR is 1960.5% APR so if you borrow £200 over 6 months at a rate of 314.7% p.a. (fixed) you will repay £400.
Pounds to Pocket Short Term Loan
Representative APRLoan AmountMaximum TermRepayment for £100
278% APR£200 to £2,00012 months-
Representative Example: The Representative APR is 278% APR so if you borrow £500 over 12 months at a rate of 140% p.a. (fixed) you will repay £79.09 per month and £949.01 in total.
Peachy Loans Short Term Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,058% APR£50 to £5005 months£133 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% APR so if you borrow £200 over 60 days at a rate of 365% p.a. (fixed) you will repay £299.08 in total.
QuickQuid FlexCredit
Representative APRLoan AmountMaximum TermRepayment for £100
1,392% APR (variable)£100 to £1,00010 monthsvaries
Use code MONEYQ10 to save 10% off initial loan fees.
Representative Example: The Representative APR is 1,392% APR so if you borrow £1,200 over 10 months at a rate of 300% p.a. (fixed) you will repay £2,831.34.
MrLender.com Short Term Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,216% APR£80 to £1,0006 months£130 over 42 days
Representative Example: The Representative APR is 2216% APR (fixed) so if you borrow £500 over 5months at a rate of 30% (fixed). You will repay in total £950. This includes a registration fee of £7
MyMate Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,362% APR£150 to £1,0006 months-
If you want this loan you'll need to pay an arrangement fee of £5.50. Other fees may be applied.
Representative Example: The Representative APR is 1362% APR so if you borrow £400 over 4 months at a rate of 292% p.a. (variable) you will repay £168.75 per month and £675 in total. Arrangement fee: £5.50, other fees may be applied.
PiggyBank Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,355% APR£50 to £50042 days£131.60 over 28 days
If you want this loan you'll need to pay a total of £8.45 in fees.
Representative Example: The Representative APR is 1355% APR so if you borrow £250 for 30 days at a rate of 300% p.a (fixed)you will repay a total of £320.95. The total charge for credit is £69.45 and includes an administration fee of £8.45
Wizzcash Short Term Loan
Representative APRLoan AmountMaximum TermRepayment for £100
993% APR£200 to £3003 months-
Wizzcash also offers 12 month loans.
Representative Example: The Representative APR is 993% APR so if you borrow £200 over 90 days at a rate of 264% p.a. (fixed) you will repay £97.06 per month and £291.18 in total.
Tide u Over Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,734% APR£100 to £50039 days£135 over 30 days
Representative Example: The Representative APR is 1,734% APR so if you borrow £200 over 28 days at a rate of 326% p.a. (fixed) you will repay £261 in total.
MYJAR Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
3,943% APR£100 to £10018 days£120 over 18 days
Representative Example: The Representative APR is 3,943% APR so if you borrow £100 over 18 days at a rate of 406% p.a. (variable) you will repay £120 in total.
Next Credit Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,556% APR£100 to £40028 days£124 over 28 days
Representative Example : The Representative APR is 1556% APR so if you borrow £100 over 28 days at rate of 313% p.a. (fixed) you will repay £6 per week and £124 in total. The total charge for credit is £24.
Ladder Loans Short Term Loan
Representative APRLoan AmountMaximum TermRepayment for £100
299% APR£500 to £1,50018 months-
Representative Example: The Representative APR is 299% APR so if you borrow £1,000 over 12 months at a rate of 147% p.a. (fixed) you will repay £163.10 per month and £1,957.20 in total.
QuickQuid Payday Loan (3 Pay Period)
Representative APRLoan AmountMaximum TermRepayment for £100
1,999% APR£100 to £1,0003 months£188.50 over 90 days
Use code MONEYQ10 to save 10% on your initial interest rate. No hidden fees.
Representative Example: The Representative APR is 1,999% APR so if you borrow £200 over 31 days at a rate of 347% p.a. (fixed) you will repay £259.
QuickQuid Payday Loan (1 Pay Period)
Representative APRLoan AmountMaximum TermRepayment for £100
1,999% APR£100 to £1,00030 days£129.50 over 31 days
Use code MONEYQ10 to save 10% on your initial interest rate. No hidden fees.
Representative Example: The Representative APR is 1,999% APR so if you borrow £200 over 31 days at a rate of 347% p.a. (fixed) you will repay £259.
QuickQuid Payday Loan (2 Pay Period)
Representative APRLoan AmountMaximum TermRepayment for £100
1,999% APR£100 to £1,0002 months£159 over 60 days
Use code MONEYQ10 to save 10% on your initial interest rate. No hidden fees.
Representative Example: The Representative APR is 1,999% APR so if you borrow £200 over 31 days at a rate of 347% p.a. (fixed) you will repay £259.
The Quick Cash Club Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
304% APR£50 to £75024 months£151.92 over 6 months
This loan requires a guarantor to back up your application.
Representative Example: The Representative APR is 304% APR so if you borrow £600 over 18 months at rate of 140% p.a. (variable) you will repay £81.13 per month and £1460.73 in total. The total charge for credit is £51.92.

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How to Find Direct Payday Loan Lenders

by DanB from money.co.uk

Payday loans can be tempting if you have bad credit and need cash urgently. Some are offered via brokers, who will apply on your behalf; we've looked at why you might prefer to apply to lenders directly as well as some alternatives to payday loans.

Blue Keyboard

What are direct payday loans?

Many of the payday loan companies you'll find on the internet aren't actually direct lenders themselves; many are brokers that take your details, search their panel of payday lenders and apply on your behalf, pocketing a share of the commission.

Using a direct lender instead of a broker means you know what company you're dealing with, making it easier to look into their reputation, how they conduct themselves and if they're regulated.

You can also make an informed decision about cost - some brokers will pass your application to the company that pays them most commission, rather than the one that gives you the cheapest deal.

It will also avoid multiple searches on your credit file, which can sometimes happen when you apply through some brokers.

We work with the payday loan brokers within our comparison to ensure that they only pass applications made via money.co.uk to regulated payday lenders who don't charge an upfront fee so that you get some reassurance about the service you're going to get.

Should you get a payday loan even from a direct lender?

Payday loans can come with high interest rates and fees, meaning that your debt can increase if you don't repay it quickly.

Missing repayments can impact your credit rating too, making you look unreliable to lenders you want to use in the future. Just seeing that you've previously taken out a payday loan can put off some lenders, even if you've managed to meet the repayments.

There are some less risky ways to borrow money, even with bad credit. Our guide looks at some alternatives: What is the Best Way to Borrow Money Until Payday?

If you decide that a payday loan is your only option, you'll need to decide how much you want to borrow and when you can pay it back, as the amount and term each lender can offer you will differ, as will the cost.

When you've chosen a lender and your application is complete, they will transfer the cash to your account.

How to find the right direct payday loan

In general, the longer you borrow the money for, the more it will cost you to pay it back.

Check each lender's terms so you know how long you have to repay the loan. You'll want to pay it back as quickly as you can, but make sure you have enough time to get the money together to repay so you avoid rolling the loan over, as this will be very costly.

You'll need to compare the interest rate, total cost and fees charged for each loan too, as you'll pay back less if these are lower.