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

£50 to £25,000

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Payday Loans

£50 - £995

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Tick - OrangeRates 278% to 1576%

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Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances.
Not all loan types and amounts are eligible for 20 minute payouts. Your chosen bank may increase the time you receive the funds.

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1,000 - 7,500
Loan term
12 - 60 months
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6 of the Top Payday Loans in the UK

If you want to take out a payday loan in the UK today, there are plenty of lenders, both online and offline, that are ready to cater your need for a short-term, unsecured form of credit. There are also numerous options that you can look into and the ideal one will depend entirely on your needs and present circumstances. With that being said, below are 6 of the top payday loans in the United Kingdom and a brief discussion of each.

1.) Payday Loans for bad credit

The financial products are the top payday loans in the country for people with bad credit. Even if you have an adverse credit rating, lenders providing the type of payday loans will still approve your application as long as you meet these three general requirements:

You have a stable source of income that can afford the loans and its repayments

You are at least 18 years old and are a legal resident of the UK

You have a bank account

Simply put, you don’t need to possess a stellar credit rating to become qualified for the type of payday loan. As a matter of fact, lenders won’t even bother checking your credit score or pulling your credit file from Equifax or any other credit reference agency. All you need to do is complete an application form and you’re on your way to becoming approved with one of the top payday loans in the UK.

2.) Payday Loans Online

If you are looking for one of the top payday loans in the UK that are accessible 24/7, then online payday loans are options that you can consider. The payday loans are also unrivalled when it comes to convenience as borrowers can apply anytime of the day through their computers or smart phones without going to a brick-and-mortar store.  Every single process is complete via the internet, from filling out an online form and having the approved funds deposited into your bank account electronically.

To obtain an online payday loan, simply visit a lender’s website and a user friendly, step-by-step online application platform should lead you the rest of the way. This kind of ease and convenience is the reason why online payday loans have become one of the top payday loans in the country.

Bear in mind however, that you should exercise caution when dealing with a possible online lender. The internet is littered with scams and dubious lenders and it would never hurt to be extra careful so you can ensure that you are working with a legit lending company. As a good rule of thumb, only work with online payday loan lenders that have FCA or Financial Conduct Authority licenses.

why choose top payday loans

3.) Faxless Payday loans

One of the top payday loans in the country will relieve you from all the stress and hassle involved in faxing or mailing any kind of document to your lender so you can complete your loan application. Majority of payday loans online follow a faxless transaction. This means that you can accomplish an entire payday loan transaction online without doing any kind of hectic step whatsoever.

4.) Payday loans with same day funding

These are one of the top payday loans in the UK used by people who are looking to have their loan ready for use in a single day. If there is a bill that will be due tomorrow or if you want to get your car fixed ASAP, payday loans with same day funding could be the solution you need. Same day payday loan applications can be completed and approved in less than an hour. Afterwards, the money that you requested for will be sent to you within the day.

5.) Payday Loans with instant funding

If you want an even faster loan transaction, then payday loans with instant funding are top payday loans that you can look into. The loans are offered both online in a lender’s website or offline through one of its physical stores. The loans are ideal if you want to secure funding immediately.

With that being said, if you are in an emergency situation where time is of extreme essence, then instant payday loans will work best for your circumstances. What makes this type of option unique from all the other top payday loans mentioned in this discussion is the turnaround time. They are truly unmatched when it comes to speed of processing and money disbursement!

6.) 1-hour payday loans

These top payday loans also provide quick funding but not as quick as instant payday loans. This means that if you have some time to wait around, then this could be an alternative option that you can consider to instant payday loans. And because they are not as fast, you can enjoy better interest rates in exchange for the time you are willing to spare.

How to apply for the top payday loans in the UK

When you apply for any of the top payday loans in the UK mentioned above, the first thing that you will need to do is to choose a loan amount and term that works best for you and your needs. Next, you will then have to provide some relevant information pertaining to your profile as a borrower including your age, address, and most importantly, your monthly earnings and outgoings. All these information will be vital not only in verifying your identity but also in confirming your level of affordability to ensure that you payday loan is ideal to your needs and financial circumstances.

If you apply for the top payday loans using a broker, all the information that you provided in your application will be forwarded to a panel of lenders. These lenders will go through your application and determine if they can cater your need for a payday loan or not. If they can, any or all of the lenders will submit a loan offer to you. If you like what you see, simply sign the contract and the money will be deposited to your account immediately. All this can be completed in less than 5 minutes or so, depending on the broker and its representative lenders.

If you apply for the top payday loans through a direct lender, your application will be handled directly by the lender without the need for any broker. The same evaluation process will be followed and if you agree with the terms and conditions presented to you, simply sign the contract and the lender will be the one to deposit the money directly to your account.

why choose top payday loans



Loanize 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 Example: Borrow £200.00 for 60 days. Repay in 2 payments, first payment in 30 days
Each Payment: £147.04. Total Repayment: £294.08, Interest: £94.08.
Interest p.a: 365%(fixed). Representative APR 1058%

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

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.

Finding the Right Loan for You

There are many kinds of loans that you can get while using a guarantor. We have divided our site to focus on specific kinds to make it far easier for you to make sure you are getting the finance plan you are looking for.

If you are looking for something specific then check to see if our sub-sites cover what your after. If they don’t just get in contact with us and we will definitely be able to help.

5 most recent personal loan reviews

Review of Ikano Bank

Honest, realistic and genuine, I can't say anymore than that. I had problems with credit in my past that were cleared but unfortunately my credit score was very poor but thankfully Ikano loans gave me a chance to rebuild that. High rates, but that's expected when getting a loan with such bad credit. Thanks again for your support.

Review posted by Peter Harrow, Thornbury

  • Customer Service
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  • Ease Of Use
  • Value For Money

Review of Money Guru

Excellent communication and a very quick and easy process. Authorisation telephone call was conducted by a friendly and polite lady who explained everything clearly. Would highly recommend this company.

Review posted by Melanie Steele

  • Customer Service
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  • Value For Money

Review of Satsuma

The service was simply amazing. I have never taken loans service seriously, my view point has now changed. I needed the money for flight tickets to attend a funeral and I could have not been dealt with in such an amazing manner. The interest rate was also better than I expected. Certainly will be paying the money back early as this was really an emergency and a life saver.

Review posted by Wayne Crouch, Plymouth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews acquired from trustpilot.com for authenticity.