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 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.

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 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%£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 £259.
 
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.
 
Lending Stream Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,006.5%£50 to £8006 months£125 over 30 days
Representative Example: The Representative APR is 2006.5% so if you borrow £200 over 6 months at a rate of 320.2% p.a. (fixed) you will repay £400.
 
PaydayUK Loan
Representative APRLoan AmountMaximum TermRepayment for £100
5,290%£100 to £1,00037 days£129.95 over 30 days
Representative Example: The Representative APR is 5,290% so if you borrow £275 over 28 days at a rate of 359.40% (fixed) you will repay £357.36.
 
Pounds to Pocket Short Term Loan
Representative APRLoan AmountMaximum TermRepayment for £100
278%£200 to £2,00012 months-
Representative Example: The Representative APR is 278% 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.
 
Cashub.co.uk Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,734%£50 to £50030 days£125 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1,734% (variable) so if you borrow £200 over 28 days at a rate of 326% p.a.(fixed) you will repay a total of £250.
 
Cash Lady Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,670%£80 to £3006 months£129 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The representative APR is 2,670% so if you borrow £80 for 28 days at a rate of 378% p.a. (fixed) you will repay £103.20 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.
 
Paydaylady.co.uk Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,734%£50 to £50030 days£125 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
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 a total of £250.
 
Purple Payday Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
3,257.5%£100 to £1,00045 days£125 over 31 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 3,257.5% so if you borrow £320 over 28 days at a rate of 446.3% (fixed) you will repay £419. Includes £3 transmission fee.
 
MyMate Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,451%£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 1451% so if you borrow £200 over 5 months at a rate of 292% p.a. (variable) you will repay £67.37 per month and £336.85 in total.
 
CashCowNow Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,737%£100 to £1,00031 days£125 over 31 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1,737% so if you borrow £100 over 31 days at a rate of 296% p.a. (fixed) you will repay £125.
 
Payday Pig Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,737%£100 to £1,00031 days£125 over 31 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1737% so if you borrow £100 over 31 days at a rate of 296% p.a. (fixed) you will repay £125 in total.
 
UK Payday Today Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,327.87%£100 to £1,00028 days£129.95 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
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.
 
Wizzcash Short Term Loan
Representative APRLoan AmountMaximum TermRepayment for £100
993%£200 to £3003 months-
Representative Example: The Representative APR is 993% 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%£100 to £40039 days£135 over 30 days
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.
 
100DayLoans UK Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,327.87%£50 to £1,000100 days£129.50 over 30 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 2,327.87% so if you borrow £275 over 28 days at a rate of 359.40% p.a (fixed) you will repay £357.36 in total.
 
TideMeOver Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,734%£80 to £50030 days£125 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1,734% (variable) so if you borrow £200 over 28 days at a rate of 326% p.a. (variable) you will repay a total of £250.
 
Satsuma Loans Short Term Loan
Representative APRLoan AmountMaximum TermRepayment for £100
793.8%£100 to £3006 months£140.01 over 13 weeks
Representative Example: The Representative APR is 793.8% so if you borrow £260 over 6 months at a rate of 136.1% p.a. (fixed) you will repay £16.80 per week and £436.80 in total.
 

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How to Compare Instant Payday Loans

If you need to borrow money quickly applying for an instant cash loan could mean you get the money you need within the hour. However, many instant cash loans are very expensive so you need to look for the best deals to keep your costs down.

How to Compare Instant Payday Loans

Needing to borrow money quickly can limit your options, especially if you need money within a few hours, but there are several lenders that offer loans for bad credit instant decision options in the UK.

Here’s how to compare quick loans online so that your get the deal for your finances and keep the cost of your borrowing under control.

Consider your alternatives

Before you apply for an instant payday loan it makes sense to consider the other financial options available to you.

Quick loans online, although seemingly a convenient way to borrow money at short notice, are also very expensive so should only be used as a financial last resort.

Take a look at our guide: The Cheapest Way to Borrow Money Fast for a list of other options when you need to borrow at short notice.

Decide how much you need to borrow

Knowing exactly how much you need to borrow and over what term before you start comparing instant pay day loans will enable to look for a loan best suited to your borrowing needs.

Calculate the minimum you need to borrow to meet your financial needs until pay day and avoid increasing the amount you apply for simply because it is on offer.

Compare the costs involved

Although you need to borrow money at short notice, you should still take the time to compare instant payday loan prices so your short term loan doesn’t become a long term headache.

Look at the interest rates and fees applied by each payday loan lender and go for the option that costs you the least overall.

All of the payday loan providers listed in our instant payday loans UK comparison table offer an instant decision and transfer the money into your account quickly, to speed up the process many are no credit check payday loans meaning you get a decision within minutes.

You can compare quick loans online side by side, find the cheapest option, apply direct and get access to the money you need fast.

Payday Loan Comparison