Compare Payday Loans Online

Compare the best payday loans online at a glance & search the top UK online payday loans lenders to find the cheapest payday loans online in an instant, even if you have bad credit. Our cash loans online comparison takes the hassle out of comparing the best UK online loans so you find the cheapest quick payday loan possible in minutes.
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.
 
Cashub.co.uk 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.(fixed) you will repay a total of £250.
 
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.
 
Purple Payday Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,758.17%£50 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 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.
 
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.
 
Payday TopUp Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,758.17%£50 to £1,00050 days£125 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 2,758.17% so if you borrow £173.60 over 30 days at a rate of 434.9% p.a. (fixed) you will repay £226.68 in total.
 
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.
 
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.
 
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.
 
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. (variable) 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. (variable) you will repay £125 in total.
 
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
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.
 
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.
 
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.
 
KwikPayday Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,670%£80 to £75028 days£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 £200 over 28 days at a rate of 378% p.a. (fixed) you will repay £258 in total.
 
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.
 

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How to Find the Best Payday Loans Online

With high interest rates and charges you need to be extra careful when looking for the best online payday loans. Hereís how to get the cheapest payday loans online that lend you the money you need at short notice.

How to Find the Best Payday Loans Online

If you are looking for fast payday loans online you need to be careful that you don’t end up paying over the odds for your borrowing.

With interest rates well over 1,000% finding cheap payday loans online can be a difficult task, so taking the time to compare payday online deals is essential for keeping your borrowing costs down.

Here’s how to find the best payday loans online direct lenders deals and what you need to check before you apply.

Do you need a payday loan?

Before applying for online payday loans you should investigate all the financial alternatives available to you, simply due to the very high cost of borrowing using a payday loan.

If you need to borrow money at short notice there are several other financial options which could meet your borrowing needs at a much lower cost. Read our guide: The Cheapest Way to Borrow Money Fast for a list of options.

Equally if you are looking for an online payday loans because you have a poor credit history there are still other alternatives that could cost you less overall. Read our guide: How to Borrow Money With Bad Credit.

Decide what you need to borrow

Once you’ve decided that you need an online payday loan the next step is to decide how much you need to borrow and for how long.

As a general rule and due to the high expense of borrowing with a pay day loan you should try and keep your borrowing to a minimum and opt to repay your loan as quickly as you can realistically afford.

This will keep the cost of your online payday loans under control and reduce the cost of your borrowing.

Compare prices

The main factor that will determine which payday loan is the best option is the cost of your borrowing.

Although there isn’t really any such thing as cheap payday loans online, interest rates do vary by well over 1,000% from one payday lender to another.

This makes it really worthwhile comparing the interest rates charged by the different lenders offering fast payday loans online.

You should look for the cheapest payday loans online - this is most likely the one that combines the lowest interest rate with the lowest charges - so you pay as little as possible for borrowing this way.

You can use our payday online comparison table to compare the different interest rates quoted by the various payday loan companied to find the best deal for your circumstances.

Payday Loan Comparison