Compare all the Direct Payday Lenders in the UK (direct lenders, not brokers). Our listings, lender reviews and promo codes are meant to help you choose the loan that best matches your needs.

You can also search by loan amount:

Direct Payday Lenders Loan Amount Loan Term Rep. APR Repay per £100 1 hour
funding
Promo Code Review Apply Now

Direct Payday Lenders

SAFETYNET CREDIT
Safetynetcredit
£50-£500 1-40 days 68.7% £124
(£100, 30 days)
NO Read Review
Representative Example: Amount of credit: £500. Interest rate: 0.8% per day for up to 40 days (292% per annum (variable)). Representative 68.7% APR (variable).
247MONEYBOX
247moneybox-logo
£50-£500 30 days 1,291.8% £122.4
(£100, 28 days)
NO Read Review
Representative example: Total amount of credit £80, duration of the agreement 29 days, rate of interest 292.8% per annum (fixed), total amount payable (in one repayment) £98.56. Representative
SATSUMA
satsuma-loans
£100-£1,000 3 to 12 months 1,575% £140.01
(£100, 13 weeks)
NO Read Review
Representative example: £400 loan repayable over 26 weeks. 26 weekly payments of £29.46. Rate of interest 183% p.a. fixed. Representative 1575% APR. Total amount payable is £765.96.
QUIDDI
£100-£2,000 1-36 months 784% £900.25
(£500-180 days)
NO Read Review
This is a Broker. Representative Example: Amount of credit £500 borrowed for 180 days. Interest: £400.25. Interest rate: 239% per annum (fixed). Representative APR: 784%. Total amount payable: £900.25
TRUE BLUE LOANS
TrueBlueLoans
£100-£300 3-5-6
months
1286.98% £151.79
(3 months)
20% Read Review
Representative Example: Representative 1286.98% APR on a loan of £300.00 with 5 monthly repayments of £101.03 Total amount repayable £505.13 Annual interest rate (fixed) 290%.
CARE FINANCE
 
£100-£150 3 months 1,288.79% £157
(£100-3 months)
NO Read Review
Representative Example: Example: £100 loan over 3 Months (85 days). Annual rate of interest 292% fixed. Cost of credit £57. Total payable over 3 payments: £157. Representative Rate 1288.79 %APR.
PIGGY BANK
£100-£1,000 7 days -
5 months
1,270% £124
(30 days)
NO Read Review
Representative Example: Amount of credit £250.00 for 30 days. Total amount payable £310.00. Interest rate 292% (fixed). Interest £60.00. Representative 1270%APR
RESPONSE FUNDING   £150-£200 3 months 1,304.41% £318
(£200-3 months)
NO Read Review
Representative Example: Representative Rate 1304.41% APR. Representative Example: £200 loan taken out over 3 Months (82 days). Annual rate of interest 292% fixed. Cost of credit £111.36. Total payable over 3 payments: £311.36.
WAGEME
wageme
£50-£1,000 1-31 days 1,212.3% £124
(30 days)
NO Read Review
Representative Example: Loan Amount: £100 for 35 days, Interest: £28, Interest rate: 292%pa (fixed), One total repayment of: £128 Representative 1,212.3% APR.
QUICKLOANSHOP
£100-£2,000 30 days
12 months
1,269.7% £124
(31 days)
NO Read Review
Representative Example: Borrow £100 for 30 days. Amount payable: £124. Interest £24. Interest rate: 292% p.a. APR: 1269.7%.
THL DIRECT
 
£150-£200 3 months 1,306.21% £318
(£200-3 months)
NO Read Review
Representative Example: £200 loan taken out over 3 Months (83 days). Annual rate of interest 292% fixed. Cost of credit £113.08. Total payable over 3 payments: £313.08.
WAGEDAYADVANCE
£80-£1,000 1 to 6 months 1,294.1% £122.40
1 month)
NO Read Review
Representative Example: Borrow £200 for 28 days. Total Repayable £244.80. Total charge for credit £44.80 comprising interest only. Interest rate 292% per annum(fixed). Representative APR 1294.1%
MR LENDER
£200-£1,000 3-6 months 1,248.5% £284.80
(£200, 3 months)
NO Read Review
Representative Example: Borrow £500 for 6 months, repay with 6 payments - payment 1: £203.33, payment 2: £183.33, payment 3: £163.33, payment 4: £143.33, payment 5: £123.34, payment 6: £103.34 . Rate of interest 0.80% per day on outstanding capital. Total repayable £920.00 (based on 30 day periods). Interest rate 292% per annum (fixed). Representative 1,248.5% APR
Direct Payday Lenders Max. Loan Amount Apply Now
247MONEYBOX
247moneybox-logo Read Review
£500
SAFETYNET CREDIT
Safetynetcredit
Read Review
£500
SATSUMA
satsuma-loans
Read Review
£1,000
PIGGY BANK

Read Review
£1,000
TRUE BLUE LOANS
TrueBlueLoans
Read Review
£300
CARE FINANCE
 
Read Review
£150
RESPONSE FUNDING  
Read Review
£200
WAGEME
wageme
Read Review
£1,000
QUICKLOANSHOP

Read Review
£2,000
THL DIRECT
 
Read Review
£200
WAGEDAYADVANCE

Read Review
£400
MR LENDER

Read Review
£1,000

Warning: late repayment can cause you serious financial issues. Get help on moneyadviceservice.org.uk.

You must be 18 years old, UK resident, have a UK bank account and employed (or have a regular income at least) to apply for a loan with most of those lenders.

All the lenders
are listed according to several criteria such as their Representative APR, loan amount for a new client, loan term... The site also lists lenders to allow you to compare short term loans by type, depending on whether you are looking for a loan fast, an installment loan or a loan by text for example. We also included a shortlist of brokers (not charging upfront fees) if you do not want to apply to all lenders one by one. Provided they do not charge you a fee, they can be a good solution to find out quickly which direct lender might approve you. However if you are looking for direct lenders only, check the column 'Direct Lender'.

Important Information: please note this is an independent and subjective ranking of the payday lenders. This is purely informational and it is not professional advice. Before applying to a payday lender, make sure you understand all the costs and risks associated. Indeed, if you do not repay your loan in full and on time, it might be automatically extended and it would trigger additional fees and interest. This could also impact your credit score negatively and failure to pay your loan could also mean facing collection action. Never forget that payday loans are expensive and do not constitute a long-term solution to financial issues. They should only be used for emergencies and you should not take out another payday loan if you already have one. If you find yourself in financial difficulty, contact as soon as possible a Debt Charity.

Compliance
www.allpaydaylenders.com is a trading name of Techkredit Ltd and is a fully licensed credit brokerage business authorised and regulated by the FCA (Financial Conduct Authority). We hold an Interim Permissions (reference number 0650109) for the purpose of carrying out credit brokerage business. We are registered with the Information Commissioners Office in compliance with the Data Protection Act of 1998, with registration number Z3404270. Techkredit Ltd only operate with brokers and lenders who abide by the regulations of the Consumer Credit Act, the Financial Conduct Authority and the Information Commissioners Office.

Implications of late or non-payment
As a payday loan comparison site, hence as a broker, we work with several payday lenders. All of them have their own loan terms and conditions and distinct lending practices. In most cases, late or non-payment may result in additional charges (default charges), fees or interest charges. If you feel you will not be able to repay your loan on time, you should immediately contact the lender directly to discuss your options.

Credit checks and impact on your credit score
The website allpaydaylenders.com does not perform any checks of any kind (credit checks for example), but lenders listed in our comparison tables will all perform traditional credit checks from one of the main credit reporting bureaus. Consequently, a late and/or a missed payment may have a negative impact on your credit score.

Lenders’ Collection practices
AllPaydayLenders is not involved at all with collection practices. As a broker, we work with several lenders all of which have their own collection practices. If you miss or have difficulties making a payment, you must contact the lender you got your loan from to discuss an arrangement. Failure to do so and solve the payment issue directly with your payday lender may result in your account to be forwarded to one or several collection agencies.

Loan Renewal policy
Since we are not a direct lender, we do not participate in the decision of renewing your loan. Each lender have their own renewal policies and conditions. We highly suggest you to read your loan agreement and the lenders’ terms and conditions very carfeully to know more about their renewal policies. If you have any questions regarding this matter or wish to renew your loan, you should get in touch with the lender we matched your application directly.

Responsible lending policy and Code of practice
AllPaydayLenders, as a trading style of Techkredit Ltd, work with a carefully selected panel of lenders. All of them abide to an ethical code of practice and are contractually committed to responsible lending and have their code of practice and policy on responsible lending available on their website or from the customers’ information. Our preference goes to lenders with a membership with a trade body association.

Can I receive free independent advice?
If you feel you are in financial trouble and feel your situation warrants further advice before you make the decision to apply for a loan, you can obtain free and independent advice from the Citizens Advice Bureau or from debt charities such as StepChange. These organisations have experienced advisors that will be able to help you whilst also keeping your information confidential.

Satsuma Loans Review

Satsuma Loans Review








Company Name: Satsuma Loans
Trading name of: Provident Personal Credit Limited
Registration Number: 146091
FCA permission: 002529
Representative APR: 1,575%
Maximum Loan Amount: £100 - £1,000
Loan Term: 13 - 52 weeks
Cost to Borrow £200 for 13 weeks: £86.26
Representative Example: £400 loan repayable over 26 weeks. 26 weekly payments of £29.46. Rate of interest 183% p.a. fixed. Representative 1,575% APR. Total amount payable is £765.96.
Hidden Fees: No
Promo Code: No
Contact: 0800 694 0004 / onlinecustomercare@satsuma-loans.co.uk

Care Finance Review









Company Name: Care Finance and Loans
Trading name of: Care Retirement Options Limited
Registration Number: 6610155
FCA permission: 671064
Representative APR: 1,288.79%
Maximum Loan Amount: £150
Loan Term: 3 months (Instalment lender)
Cost to Borrow £100 for 3 Months: £57
Representative Example: Example: £100 loan over 3 Months (85 days). Annual rate of interest 292% fixed. Cost of credit £57. Total payable over 3 payments: £157. Representative Rate: 1288.79 % APR.
Hidden Fees: NO
Promo Code: NO
Contactinfo@carefl.co.uk / 01202 798 981

Mr Lender Review














Company Name: MrLender
Trading name of: PDL Finance Limited
Registration Number: 06738633
FCA permission: 673310
Representative APR: 1,248.5%
Maximum Loan Amount: £1,000 (£500 to new clients)
Loan Term: 3 to 6 months
Cost to Borrow £200 for 90 Days: £84.80
Representative Example: Borrow £500 for 6 months, repay with 6 payments - payment 1: £203.33, payment 2: £183.33, payment 3: £163.33, payment 4: £143.33, payment 5: £123.34, payment 6: £103.34 . Rate of interest 0.80% per day on outstanding capital. Total repayable £920.00 (based on 30 day periods). Interest rate 292% per annum (fixed). Representative 1,248.5% APR
Hidden Fees: NO
Promo Code: NO
Contactcustomer.services@mrlender.co.uk / 0208-502-1288