Payday Loans Net are direct lenders that can help you in a pinch. People from all over the UK contact us for direct lender loans that cut out the middleman. Getting some cash in your account is as easy as clicking APPLY and putting in your details. We will tell you how much you can borrow within seconds. You could have up to £1,000 in your account today!


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Direct Lender Loans For Bad Credit


We are an inclusive loan provider. Whether you are searching for short term loans or loans for bad credit, we have got you covered. We even offer direct loans without a guarantor.

One of the biggest things that stop people from receiving the money they need is a bad credit score. A credit score is a number between 300 and 850 that shows borrowers how reliable a person is. One mistake, and your credit score plummets. We know how hard it is to repair your credit score once it has been damaged. That is why we help people with bad credit. And because we are direct loan lenders, we will make a decision as soon as you submit your application.

Getting an agreement in principle from us is as easy as 1, 2, 3. Follow the steps below, and you can have money in your account TODAY.

  1. Click APPLY
  2. Complete the application form
  3. Receive an instant decision

Direct Loans From Payday Loans Net – How It Works

We are an FCA authorised direct loan lender. This means that the Financial Conduct Authority has reviewed our practices and decided that we are a trusted lender. You do not have to pay a fee for our services. Even better, being a direct loans lender means that our customers do not have to worry about time-consuming middlemen.

We have lots of tools and resources to help you work out how much you need. You can put your figures into our loan calculator to see how much you need to borrow. If you meet our criteria, we will approve your loan and send you up to £1,000 within an hour after approval.

It really is that simple.


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Direct loans FAQs


What Are direct loans?

There are lots of different types of loans. Most loans involve three parties: the borrower, the broker, and the lender. The broker is the middleman. They go between the borrower and the lender and exchange important information. In this situation, the person who wants to borrow money has to pay high broker fees. They also have to wait a long time to see if their loan will be approved.
At Payday Loans Net, we are direct lenders. This means that we cut out the middleman. You will not have to speak to a broker when you ask for a loan from us. We provide a fast and efficient approval service that is only a click away.

How fast are direct loans?

We are one of the only loan lenders who will approve your loan request in principle immediately. You can get your loan within an hour after approval! That’s quick!

Who are direct loans good for?

Our team know that unexpected bills can cause stress and anxiety. We give loans to people who need them. Loans are an excellent way to bridge the gap between one payday and the next.
All sorts of people use our service. We have a high rate of acceptance. If you are searching for direct loans without a guarantor, we are here to help. We can offer you a short term loan of up to £1,000 over 3-6 months.

Can students get direct loans?

At Payday Loans Net, we approve loans for lots of different people. People who need money in their pocket in the next 24 hours can depend on us. We know how difficult it can be to make ends meet as a student. A loan from us can bridge the gap between your maintenance loans.
Students choose use because we provide direct loans without a guarantor. If you need to pay bills within the next 24 hours, we can help. Click the apply button below and enter your details. You will receive an instant decision.

What happens if my request is declined?

We accept people from lots of different financial backgrounds. We have helped thousands of people with low credit scores. In the unlikely event that we cannot accept your loan application, our team can still help you navigate through the complicated loans process.
With your permission, we can act as your broker. Our team will contact other loan lenders who are more suited to your situation. We will only contact reputable loan lenders like us. This means that you will only ever speak to FCA authorised loan lenders.
It is important to note that you do not have to apply again to receive this extra help. Simply tick the box next to the third bullet point at the start of your application.

How Can a Direct Lender Loan Help?


Depending on what you require your loan for, a direct lender loan should be a first choice when looking for financial help. If you have an emergency and need money now, the best way to get a loan is to go through a direct lender. It is quicker, cheaper and much simpler to deal with. A direct lender loan can help cover unexpected expenses that you have not saved up for. For example, a car breaks down, a last-minute flight or some dental treatment.

Representative example

Total amount of credit: £500
Duration of the agreement: 4 months
Repayment total: £863.24
Interest is fixed at rate of 270.10% per year – 0.8% interest per day | Representative 997% APR
£215.81
Instalment 1
£215.81
Instalment 2 & 3
£215.81
Instalment 4