Choose the product you are looking for below and compare the list of direct UK lenders:

Where can I find the most complete list of direct lenders in UK?

Allpaydaylenders provides by far the most exhaustive listing of short term UK lenders on the Internet. While the main purpose of PCW is to help loan seekers get objective information, it still needs to be commercially viable. Some lenders simply cheat and are taken out of the website, others do not want to be listed or they simply approve too few people for PCW to earn money.

What is a short term loan price comparison website?

A price comparison website, sometimes called PCW, is a webpage compiling a list of short term lenders and compared or sorted based on different criteria such as: type of lender (payday, installment, guarantor..), their audience (student loans..) or some other feature related to their product (responsible, same day funding, fast approval..). Consequently those websites are not lenders, they are just an intermediary between you (the client) and the lender that you will eventually apply for loan and, if approved, send you the funds requested. However, PCW are licensed and regulated which means it is a reliable source of information for you to choose the lender that best matches your needs.

How works?

As the header says, all lenders are just one click away. Compare the listed lenders on the homepage or select the amount or term you want to borrow and consult the given lenders. When your choice is made, click on the 'Apply now' button and the selected lender's website will open in a new window. You can then apply for a loan on the chosen lender's website. Any question you might have about this lender, please get in touch with their support team (usually in the Contact section). You can click on several lenders to check out their website before making a final decision. You can also apply on several websites as your application might be rejected.

Why should I use a price comparison website to get a loan?

The main purpose and advantage of the PCW is that it allows you to compare several lenders on the same criteria, hence make much more informed and objective choice. You may also discover new lenders you haven’t heard of or considered previously. Also, compared to the website of a direct lender that is by default biaised since lenders try to sell their products to you, the PCW is unbiaised and objective as it does not sell the loans of one particular lender. It is forbidden for comparison sites to highlight a specific lender based on commercial preference and lenders must be ranked from cheapest to most expensive.

How do PCW get paid?

Most of the time, PCW are paid by the lenders on a performance basis, i.e. for every funded client. In some cases, they pay per click to their website or a fixed monthly fee. Alternatively, this is our case, sites earn money from ads.

What are short terms loans?

Short term loans, also called payday loans, are a type of credit that need to be repaid in a ’short’ period of time, usually under 12 months even though some lenders might let you borrow for a longer period of time. It is a form of credit that is supposed to be temporary. Interest rates are higher than the loans offered by traditional banks and the use is usually different, for example to cover a cash issue until the next pay day.

Am I eligible for a short term loan?

The conditions to be eligible are very similar among all lenders. You must be at least 18 years old, be a UK resident and have a UK bank account. In most cases, you will need to be employed or at least have a regular income.

What is the cost of a short term loan?

The cost differs from lender to lender but since January 2015, there is a cost cap and your loan interest cannot be higher than 0.8% per day, that is 80p of interest per day per £100 borrowed. The total amount to repay is also capped at 100% of your loan amount. So if you borrowed £100, you will never have to repay more than £100+£100=£200. This number includes interest and any other fees (late fees...). Finally, fees are also capped at £15.If you default, your daily interest rate of 0.8% per day will be applied and there can be a one-time default fee of £15. The sum should not be higher than 100% of your loan. Example: if you borrow £100 for 30 days and replay on time, the maximum you will pay is £24 in interests. If you repay late, you might be charged a £15 default fee once only and a daily interest of 0.8%. If you are very late and cannot pay, the maximum owed will be £100 in interests.

The full list of direct UK lenders we have listed on


Wizzcash is a trading name of Emergency Cash Limited. You can borrow up to £1,000 for 3 months and repay in three equal instalments.


Evergreen Finance London Limited is a FCA licensed direct lender that offers loans of £400 for a variable duration.


Trading name of GAIN Credit LLC, they offer a personal credit limit and will consider bad credit applications.

Anico Finance

Trading name of Anico Financial Services Limited, it is a direct lender targeting the Filipino community in the UK.

Response Funding

Response Funding, formerly known as Fancy a Payday offers loans of up to £200 for new customers.

Lending Stream


Wageme is a trading name of Ltd and will give out loans of up to £1,000.


Satsuma Loans is a trading name of Provident Personal Credit Limited. Loan term: 3-12 months, amount: £100 to £1,000.

Mr Lender

MrLender is a trading name of PDL Finance Limited and offers loans for new clients of up to £500.


THL Direct


H&T Finance

Care Finance

Fair Finance






Dot Dot Loans






















4 Years After... what happened to Price Comparison Websites

4 years ago, the FCA introduced a series of new rules applicable to Price Comparison Websites (PCW) displaying High-Cost Short-Term Credit (HCSTC) products. I predicted those rules would be a failure and I was right !

What happened to customers, lenders, PCW and ... brokers?

Here were my predictions:
- since PCWs will not be able to survive by displaying all the lenders according to the new rules, they will only display a few lenders they earn money with and get rid of the others 

5 tips to avoid pitfalls when choosing a payday loan

Payday lender or broker?
The search for a short term loan can be a complex task. And in some cases in can even become a nightmare.

One of the reasons that keep coming back is consumers being misled by brokers that look exactly like direct lenders and are not clearly showing they are brokers. By applying there, you personal information is shared with dozens or even hundreds of 3rd parties.

Is that really what you want?
So here are 5 tips to help you navigate your way through this jungle:

1- Direct lender or broker? How to easily detect brokers?

FCA rules for Price Comparison Websites and Why it will be a failure

The FCA (Financial Conduct Authority) introduced on the 1st of December 2016 a series of new rules applicable to Price Comparison Websites (PCW) displaying High-Cost Short-Term Credit (HCSTC) products.

Here is the full document including d the new rules this article refers to :

 While rules and more control can be good as there is a lot of spam in this industry, I would like to openly discuss this new set of rules as I feel it does not solve yet again the real issue and does not target the worst actors of the market.

So I will go through some of the major new rules introduced in December below

1-  PCW should not display lenders in a way that is based on commercial interest between the lender and the PCW

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Legal Disclaimer: is an introducer (or broker) that gives independent ranking and reviews on loan lenders and loan companies. They are only intended for informational use and do not constitute professional advice. We strive to keep the information presented up to date but do not guarantee that it is free of errors. Please always refer to the Terms and Conditions on the lender's site. We do not accept liability for any errors nor omissions on this website. This website is privately owned and contains links to direct payday loan lender websites that chose to advertise with us and pay us in return for doing so. We take no responsibility of the content on websites that we link to.
We are not a lender and do not provide credit to consumers. If you make an application through this website it will be shown to a selection of our lending partners for their consideration.

While we do not highlight all lenders on our homepage, we have also built the only independent and most exhaustive list of lenders available in the UK. Nowhere else you will find such a complete list (if you do, please tell us about it!).