Direct Lender Payday Loans
Get short term payday loans from a direct lender in the UK. Apply now and get an immediate decision and fast payout if approved. No brokers, no delays.
Representative example: Borrow £700 for 5 months. 4 monthly repayments of £235.82, last monthly repayment of £235.92. Total repayment of £1,179.10. Interest rate p.a. (fixed) 222.79%. Representative APR 821.04%. Daily interest is capped at 0.798%. Representative APR includes all applicable fees.
Warning: Late repayment can cause you serious money problems. For help, please go to moneyhelper.org.uk. Compare our loans at choosewisely.co.uk.
Looking for Payday Loans Online?
Payday Loans Online offer loans up to £1,500, repayable in 3 to 6 months. We directly fund your loan and transfer it straight to your bank account.
All credit considered
All online loan applications are considered, regardless of your credit score or history.
No hidden costs
There are no hidden costs. All fees, repayment amounts, and schedules are clearly shown upfront.
Fast payouts
Payouts are fast, often within minutes. We guarantee to fund your account the same day.
How much can I borrow?
You can borrow between £300 and £1,500 with a daily interest rate starting at 0.507% (185.39% per year).
Choose a loan term of 3 to 6 months to spread out repayments, or pay it off early to save on interest.
If approved, we send the funds to your bank account within minutes. Same-day funding is guaranteed.
Our payday loan rates and terms
Loan amounts:
£300 – £1,500
Daily interest rate:
From 0.507%
Interest per annum:
185.39%
Repayment terms:
3 – 6 months
Funding time:
Same-day
Representative APR:
611.74%
Short term online loans.
We have your best interest at heart.
Our goal is to help you handle unexpected financial challenges without causing you stress. That’s why we offer payday loans with flexible terms of 3 to 6 months. This makes repayments smaller and more manageable, so you don’t need to pay the full amount by your next payday. As a responsible lender, we complete an affordability check during your application to ensure the loan is in your best interest.
How to get a direct loan from us
Applying for a direct loan with us is quick and simple. As a direct lender, we handle the entire loan process from start to finish. Here’s how it works:
1. Fill out our online loan application form
Fill out our secure online application form with your some base income and expense information. This only takes a few minutes.
2. Get an instant decision
Once you submit your application, our system checks your information instantly. You’ll know within seconds if you’re approved.
3. Receive your funds
If your loan is approved, we’ll deposit the funds directly into your bank account. In most cases, the money will be available within minutes. Same-day funding is guaranteed.
Who can apply?
To qualify for our short term loans, you need to meet these requirements:
1. You must live in the UK
2. Be at least 18 years old
3. Have a regular salary
4. Own a UK Bank account
Payday loans are suitable for people with a full-time salary. If your income comes from part-time work or Universal Credit, it might be harder to pass the affordability check. This check ensures the loan won’t cause financial stress.
Helping hundreds of new customers across the UK daily
Every day, we approve hundreds of loans for new and repeat customers across the UK. We provide the emergency funds they need to cover unexpected expenses and fix temporary cash-flow problems.
Paying for tuition fees
Sarah from London paid for college tuition fees with a £1300 loan.
Paying for medical bills
Kristy from Liverpool paid for physiotherapy session costs with a £1000 loan.
Paying for home repairs
Stuart from London paid for emergency plumbing repair with a £900 loan.
Paying for vehicle repairs
Patricia from Manchester paid for Vehicle Repairs with a £550 loan.
Paying off multiple debts
Peter from Manchester consolidated his debts with a £,1200 loan.
Paying for an emergency
Emma from Newcastle paid for high electricity bill with a £750 loan.
How much will I repay?
This table shows an example of the cost to borrow £700 for six months. It outlines your total repayment, repayment schedule, and interest rate.
Interest and fees won’t exceed 0.8% per day, and you will never pay more than 100% of the loan amount, in line with FCA rules.
You can repay the loan early, either partially or fully, without penalties or fees, reducing the total interest you need to repay.
For more details on loan costs, use our loan payment calculator.
| Details | Example |
|---|---|
| Loan amount | £700 |
| Loan period | 6 Months |
| Interest rate P.A. (fixed) | 185.39% |
| 6 monthly repayments | £199.85 |
| Total repayment | £1199.00 |
| Representative APR | 611.74% |
Ready to apply online?
Who is Payday Loans Online?
Payday Loans Online is a trading style of Western Circle LTD, a trusted direct payday lender that has served UK customers since 2016. Our company registration number is 7581337, and our offices are at Office 9, 2A Highfield Avenue, London, NW11 9ET, United Kingdom.
We have funded over £19 million in fast, secure loans. We have directly helped more than 115,000 borrowers across the UK – from Cornwall in the south to Caithness in the north.
Our lending decisions are fair, transparent, and responsible. We carefully assess and individually review each loan application. This process ensures that every loan decision fits the potential borrower’s current financial circumstance.
Since the Financial Conduct Authority (FCA) implemented an interest cap in 2015, we have consistently adhered to all regulatory requirements. We remain committed to acting as a responsible lender, safeguarding the interests of our customers by implementing strict, compliant lending practices.
FCA-Authorised direct lender
We have been authorised and regulated by the Financial Conduct Authority (FCA) since 13/05/2016 under license 714479, giving you peace of mind that you are dealing with a reputable direct lender.
ICO Registration
We have been registered with the Information Commissioner’s Office (ICO) since 17/08/2012 under registration number Z3305234, so you know we follow strict data protection and privacy practices.
Ready to apply online?
Personalised Loan Options for Different Emergencies
We offer a range of personalised consumer loans to help people in the UK handle life’s unexpected financial emergencies.
Car repairs
If your car breaks down or needs urgent repairs, our car repair loans can get you the cash you need fast, so you can get back on the road without hassle.
Medical bills
Unexpected medical expenses can happen to anyone. Our medical bill loans help cover the cost of treatments, giving you one less thing to worry about.
Emergency cash
When life throws unexpected situations your way, our emergency cash loans offer quick access to the funds you need to handle it.
Tuition fees
Education matters. If you’re short on tuition fees, our tuition fee loans can help you stay on track without missing important deadlines.
Home repairs
Home repairs sometimes can’t wait. Our home repair loans provide the funds to fix urgent issues, keeping your home safe and comfortable.
Unexpected bills
High bills like electricity or heating can be unexpected. Our bill loans give you the funds to settle those bills quickly until your next pay day.
Why choose us?
We’ve been providing short term loans to new and repeat customers across the UK since 2016. Here’s why they trust us – and why you can too with your loan application:
- No Broker Fees – We fund your loan with our own money. You won’t pay broker fees.
- FCA Regulated – We are fully authorised by the Financial Conduct Authority (FCA) under license 714479 since 2016.
- No Hidden fees – We clearly show interest rates, repayment term and total repayment amount upfront
- Your Data is Safe – We follow strict data protection laws. Your personal information is secure and kept private.
- Data Compliant – We are officially registered with the Information Commissioner’s Office (ICO) since 2012.
- Proven Track Record – We have provided payday loans since 2016 proving a strong track record.
- 115k Customers Served – We have directly funded over 115,000 customers all across the UK.
- Responsible Lending Practices – Every loan application goes through a thorough affordability check
- Flexible Repayment Plans – You can repay your loan over 3 to 9 months instead of by your next payday.
- Poor Credit Considered – We welcome applications from customers with less-than-perfect credit.
- Superior Lending Technology – Our team develops our loan systems, resulting in fairer loan decisions.
- Website Security – Our site is encrypted and managed by experts who take data protection seriously.
- UK-Based Support – Our support team is local and responsive. Real people are ready to help you.
- Easily Accessible – Call us or email us between 9 AM – 5:30 PM (Mon-Fri).
- Early Repayment is Possible – Repay your loan early anytime. No penalties, and you save on interest.
- Same-Day Funding – Guaranteed same-day funding for approved loans.
Is a payday loan right for you?
Payday loans are easy to get and provide quick funds during emergencies. However, they come with very high interest rates and APRs
These loans can help address short term financial needs, but they are not a suitable solution for tackling long-term financial difficulties.
Before committing to this type of loan, ensure it makes sense for your financial situation.
To see if this type of loan is right for you, compare it to other personal loan products. Read alternatives to payday loans if you want to learn more about possible alternatives.
Get help with budgeting and managing debt
If you’re facing difficulty repaying your payday loan, contact our team immediately for assistance. We’ve years of experience helping people in financial distress and are committed to doing everything within our power to help.
Also, consider seeking guidance from UK debt management specialists like MoneyHelper. Money Helper is a government resource that offers debt advice and tools.
For further support, consider contacting charities like Citizens Advice or StepChange. The National Debt Line also provides free consultations to help anyone facing debt or money issues.
Frequently Asked Questions
Direct lender loans are funded directly by the lender without involving brokers or middlemen. When you apply through Payday Loans Online, we manage the entire process and fund the loan with our own capital. This protects you from online brokers and the fees they charge.
Yes, our loan application and funding process is fully online. You can apply in minutes, and if approved, your bank account can be funded quickly. There is no need to visit a physical store to complete the loan.
You can apply for a loan on weekends, but we only fund loans from Monday to Friday. If your loan is approved over the weekend, it will be processed and funded on Monday during business hours.
Yes, loans can be funded at any time. However, some applications may require manual review by our team. If this happens, a team member will handle your application between 9 AM and 5 PM, and funds will be released during those hours.
All of our loans have a fixed daily interest rate starting at 0.507%.
Yes, you can repay part or all of your loan at any time without penalties. Early repayment reduces the total interest you pay.
Yes, we consider applications from borrowers with both good and bad credit. If you have poor credit, you will need to pass an affordability check to ensure you can manage the repayments without financial strain. We also offer specialized loan options for borrowers with bad credit.
Yes. We start with a soft credit check during the application process, which does not affect your credit score. A hard credit check will only be performed if we believe your loan is likely to be approved.
Our technology usually verifies your income automatically, so pay slips are not always required. If we are unable to verify your income, we may ask you to upload pay slips during the application.
If you’re struggling to repay, contact us as soon as possible. Avoiding the issue can lead to more daily interest and affect your credit score. We are a responsible lender and will work with you to find a solution that fits your situation. You can call us at 020 3757 1933 or email support@paydayloansonline.co.uk.
To verify if a UK lender is approved by the Financial Conduct Authority (FCA), check the Financial Services Register at https://register.fca.org.uk/s/.
UK payday lenders cannot charge more than 0.8% per day in interest. The maximum repayment cannot exceed double the original loan amount. For example, if you borrow £100, the most you could owe, including interest, is £200.
Financial literacy resources
We’ve put together helpful guides to help you manage your money, avoid unnecessary debt, and understand how loans work in the UK.
Popular guides:
Our customer service team is ready to help you
Our team is here to help from 9 am to 5:30 pm, Monday to Friday. Contact us with any questions about payday loans or loan support.
You can reach out to us in the following ways during our office hours:
Call us at 020 3757 1933 Between 9 am and 5.30 pm, Monday to Friday.
Email us at
support@paydayloansonline.co.uk between 9 am and 5.30 pm,
Monday to Friday.
Our office is located at
Office 9, 2a Highfield Avenue, London NW11 9ET.
Ready to apply online?
No hidden costs or fees
No paperwork
Flexible repayments
Bad credit considered
No obligation to accept
FCA authorized direct lender