Payday Loans Direct Lenders

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How much would you like to borrow:

How long would you like it for?
3 months
6 months

Your monthly repayments are:

Total amount to be repaid:
Annual percentage rate:
  % APR

Representative Example: £200 loan for 6 months at a fixed interest rate of 290% pa. Total amount payable is £359.71 in monthly instalments of £74.65, £71.73, £64.05, £58.76, £49.75 and £40.77. This is based on the amount of credit plus interest, no other fees apply. Representative 1266.9% APR

We are a payday loans direct lender

We provide same day direct lender loans when you need them most.

We make all our lending decisions ourselves without outside interference. What does that mean for you? A transparent loan application, quick transfer of funds and flexible loan terms.

  • Bad credit considered
  • Flexible repayments
  • Same day transfer
  • Quick application

What is a direct lender?

Getting an online direct lender loan from means you are applying for a loan directly with the company that can approve your application and transfer the cash advance you need into your bank account.

An alternative approach would be to submit your personal details and loan request via a broker or another intermediary company. Brokers collect your information and pass your details to the lenders that they work with. They do not make the decision to approve you for a loan or issue any funds themselves.

You will always need direct lenders to review and hopefully approve your payday loan application. There are many benefits to missing out on using a broker altogether and going straight to the lender, if you want a fast loan decision and an instant cash transfer.

What is a payday loan?

Payday loans are most often used to cover urgent and unexpected expenses.

A payday loan could tide you over if you overspent during the month and are struggling in the run up to your next payday or if you have an unexpected bill that you need to pay, but haven’t budgeted for.

We are a payday loans direct lender and we make our lending decisions quickly. If your loan application is approved, we will send money directly to your bank account in just a few minutes. We understand that financial emergencies happen, and sometimes you need a helping hand to get to your next payday.

How it works

  1. Fill out our application form
  2. Wait a few minutes to see our decision
  3. If approved, watch out for the instant cash transfer!

We make all of our lending decisions ourselves

We are a responsible lender. That means that we will never share your details with other lenders or third-party companies without your consent, and it gives you control over how your data is used. We respect your privacy and carefully use the data that you share with us.

We take our responsibility to protect your personal information very seriously as a responsible direct lender working to deliver good outcomes for our customers.

Please see our Privacy Policy for further information on how your data is used when you choose to apply for a loan. We want our customers to be fully satisfied with their customer journey and try to be as transparent with you as possible at all times. There are no hidden costs with our loans or any catches when borrowing from us.

We also won’t bombard you with any marketing or spam if you apply one of our direct lender loans from us!

Are you looking for a UK direct lender?

It is not always clear, when visiting some websites offering short term loans online, if you are dealing directly with a lender or if the site belongs to credit brokers.

It is easy to end up feeling misled, if you think you are dealing with direct payday lenders, but then after submitting all your information you find out it is actually a broker site.

When applying with, you never need to feel confused and worried about who has access to sensitive information about you online. We keep the borrowing process simple and transparent.

Applying for payday loans from a direct lender means that you always know exactly who you are dealing with and how we conduct the lending process. You can read our lending policies on our website, check reviews about us online and contact our customer services team to speak to us directly.

Am I eligible for direct lender loans?

At, we have six main criteria that you must meet to apply for a loan.

  • Be at least 18 years old
  • Be in full-time or part-time employment
  • Be a UK resident with a UK bank account and a linked debit card
  • Have a working mobile phone and an email address
  • Fully and honestly fill out our application form
  • Be able to afford the repayments over the term of the loan

Get in touch with

Whether you are just starting your application or have already applied for one of our short term same day loans, you know that you can always get in touch with us directly, and we will be happy to answer any questions that you have.

If you need help or have questions about your loan, you can always call us on 0800 488 0905 during normal working hours and our quickest response rate for weekends and bank holidays is by emailing or via the Contact Us form on our website.


What is the difference between payday and short term loans?

Payday loans and short term instalment loans both offer quick access to cash, but they are different in a few key ways.

One of the biggest differences is loan term - payday loans are normally repaid on your next payday, which may put a lot of pressure on you to repay the entire amount within a month. Whereas with short term loans, you can spread the cost over a number of monthly repayments.

Being responsible direct lenders we will only lend our larger loans over a longer period to make sure each individual monthly payment is affordable for our clients. If you need to borrow money fast, you don't have to face it alone - we can help find the best option for your needs.

Will I be accepted with a poor credit score?

Here at, we don't base our decision entirely on your credit rating. We like to look at the bigger picture to see whether you can afford a loan with your current financial circumstances.

So, don't let your poor credit history deter you from applying for a loan with us. If you are not sure what your credit score is, you can easily check online at credit reference agencies like TransUnion or ClearScore.

When will I receive my loan?

Because we are a direct lender and don't need to wait for anyone else to make our lending decision, we will initiate the transfer of the loan amount to your nominated bank account as soon as possible after your application has been approved. In most cases, this means that money will be available almost immediately.

However, please note that some banks can’t process payments as quickly as we can send them. Most banks in the UK will be able to do this, but if you bank with one of the smaller ones, they might not be able to process our instructions straightaway.

In those cases, you might have to wait until the next business day for your bank to process the transfer.

Are there any hidden fees?

If you comply with the terms of your loan agreement, the only charge will be the interest on your loan repayment at the agreed rate.

However, if you miss a repayment or breach the terms of your contract, you may receive a default fee. This is a £10 missed payment fee to be charged on the first calendar day following your repayment date, if you do not repay the total amount payable in full on the agreed repayment date.

How much can I borrow?

If it is your first loan with us, you can apply for any amount of money between £200 and £400 to the nearest £1 – this means you don’t have to borrow more than you need!

However, our decision to approve a loan application is always based on the results of our credit and affordability checks.

As a returning customer, this loan limit can increase to £750 if you apply for our Multi Month loan. Your application will still remain subject to our creditworthiness checks as a returning customer. Unfortunately, we can never guarantee that you will be approved again, just because you borrowed from us in the past.

What information do I need to provide to be approved for a loan?

Our creditworthiness and affordability checks are proportionate to the amount you would like to borrow and we may ask you to provide us with further information before we can make a decision on your application.

This is because we need to make sure you will be able to repay the loan in a sustainable manner and a larger loan principal means a bigger monthly repayment.

Do payday loans affect your credit score?

Considering taking out a payday loan in the UK? It is important to understand how it impacts your credit score. Simply taking out a payday loan will not harm your credit score. However, any repayments or missed payments will be recorded by credit reference agencies and could affect your rating.

As long as you pay the loan back on time (or even early!), then you will demonstrate a positive repayment behaviour that will support your credit history. However, please note that direct lenders base their decisions on many factors and some may view a presence of payday loans on your credit file as a negative, even if you made all your payments in full and on time.

Therefore understanding how payday loans can impact your personal finances is important for any UK-based potential borrower.