Get Up to £5,000!*

Select an Amount:


Online Appliccation

  • Our quick application form will only take you a couple minutes.
  • The application can be completed entirely online making it so easy.

High Acceptance

  • We have one of the highest acceptance rates on the market.
  • We accept those with bad credit, no credit or CCJ’s.

Fast Completion

  • We have a dedicated team of experts on hand 24/7.
  • Your application will receive a decision almost instantly.

Good Reviews

  • We have fantastic levels of customer satisfaction.
  • We do our best to please everyone to the same level.

Essential Facts about Online Payday Loan Lenders

With online payday loan lenders, you can borrow money fast in the convenience of your personal computer or mobile phone, anytime, anywhere, as long as there is internet access. You don’t want to go to a bank and apply for a loan when all you need is a few thousand dollars for car repairs. And when the need for money is urgent, you can’t rely on making salary advances because it just takes too long for them to get approved. In such circumstances, where all you need is a small amount of money to make a temporary expense, online payday loans are one of the options worth considering.

Online Payday Loan Lenders

Online Payday loan lenders offer short-term loans that they normally want to be paid back in full in your next salary. For this reason, they are not typically offered to those who are unemployed. If you currently don’t have a job and an emergency situation demands additional funds, other alternatives like credit card advances and guarantor loans are worth exploring.

Online payday lenders will assess a loan application based primarily on the borrower’s ability to repay the full amount and the interest rates in the agreed period of time. The applicant’s income, address, age, credit history and a few other factors, will be scrutinized and carefully weighed in making a decision on whether or not he is worthy to be granted credit. And because the loan is unsecured (there is no collateral involved) there is no insurance whatsoever in the part of the lender. To compensate for this level of risk, the lender will charge these loans with a very high-interest rate.

Applying for online payday loans

The good thing about these loans is that they are relatively easy to avail and all you need is to fill up an application form that takes a few minutes to accomplish online. After submitting your form, you don’t have to wait long for a response from your lender because normally, it will only take a minute or two for an online lender to find out whether or not you are eligible for a loan based on the information that you have presented. If you are approved for a loan, the money will be deposited to your bank account instantly, sometimes on the same day that you made your application, making it an ideal option in addressing an urgent financial need.

The borrowers

Statistically speaking, the majority of the borrowers are single mothers who are in their 20’s and 30’s, undergraduate, and have an average or below average income level. Many of them also have poor credit scores. This is because payday loan lenders do not usually rely on credit history in their evaluation process and will prioritize an applicant’s salary and income level instead. The borrower’s paycheck is the lender’s ultimate insurance – the perfect form of collateral for a short term loan because it guarantees repayment once the borrower receives his salary. Lenders are also smart enough to know that the best due date for a short-term loan is on a borrower’s payday because this is obviously the time where he has the most money.


Depending on the lender, the Annual Percentage Rate (APR) of these loans can be a moderate 261% or a hefty 1304%. They are indeed costly and can become even more expensive if you miss out on your payments and get charged with additional interest rates for violating agreed terms and conditions of repayment as a result. However, if you utilize the credit accordingly and make a full commitment on your payments, the costs are quite reasonable considering the level of risk that the lender has to bear and the resources that he needs to spend in making due diligence.

Important Reminders

Finally, keep in mind that there have been numerous cases in the past involving payday loans being utilized by people with malicious content to take advantage of people desperately in need of instant cash. And while there have been relevant changes made and tougher regulations imposed to better protect borrowers since then, the risk is still there and will always be there as long as credit exists in this world. To avoid falling prey to such a scheme, know the ways of protecting yourself. Always ask for a license so you will know if you are dealing with a legit lender or a scam. Also be wary of hidden fees and carefully go through the terms and conditions before signing a deal. Search the web for authentic reviews and testimonials made by customers and customer groups so you will know the lender’s track record.

A View of Our Competitors

Loan amount
£200 - £1,500
Loan term
2 - 6 months
Simple, no fuss, and personal experience.
Apply Now

Show More ▼

Loan amount
£50 - £1,000
Loan term
1 Months
Apply Now

Show More ▼

Complete Our Online Application Now

No Credit? Bad Credit History? No Problem you can still get loans between £100 to £10,000.

5 most recent personal loan reviews

Review of Click Finance

Easy form to fill in and understand. Well explained rolls of the guarantor and the person getting the loan. Easy to follow terms and conditions . When you talk to the staff very polite well mannered. Quick pay out of the funds into my account.

Review posted by Dawns Evans, Leicester

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Fairmont Finance

As the guarantor it took about 15 mins to finalise all my details. Very simple questions and the operator was very friendly and helpful advice that was given was extremely helpful. All in all I would recommend Fairmont Finance to anyone . Although the interest is very high it seems a standard rate across other companies.

Review posted by Paul Hutchens, Blackpool

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Payday Loans Now

I would definitely recommend PDLN loans to anyone who's looking to take out a loan. They provide excellent service, the staff are very friendly they kept me updated threw the whole process. I received a text saying Loan will be in my bank in 48 hours but was in 2 hours later so very fast payout.

Review posted by Jamie Roberts, Yeovil

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We source all of our reviews from Trust Pilot to ensure the authenticity of quotes.

Loanvy is a licensed credit broker and not a lender.

We will never charge you for our service and the lender will not increase the rate to cover our fee to them.

We work with over 40 different lenders to bring you the very best rates from across the UK market.

Representative 305.9% APR. Representative example: £400 borrowed for 90 days.

Total amount repayable is £561.92 in 3 monthly instalments of £187.31.

Interest charged is £161.92, interest rate 161.9% (variable)

Warning: Late repayment can cause you serious money problems. For help, go to

Do not borrow more than you can pay back as defaulting on payments can lead to serious monetary problems.

Any collateral you have against the amount may be at risk of repossession.