Payday Loans Net are direct lenders for loans in the UK. Offering the very best short term loans, we offer direct money loans that can help you in your time of need. Whatever the reason may be that you require a loans, we can help you out with your financial predicament, so you can alleviate any monetary pressure in an instant.

Individuals 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 entering 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


As an inclusive direct loans provider, we do not discriminate against any of our applicants even if they have a bad credit score. Whatever type of loan you are looking for, we can offer direct payday loans in the UK to help you with whatever financial issue you are facing.

To put it simply, a credit score is a number between 300 and 850 that indicates how reliable a potential borrower is to a lender. If you have made any financial mistakes in the past, this could have resulted in a negative impact on your credit score. This is quite difficult to redeem, and we know that your financial history does not define you. As a direct lender of loans, we can assess your current affordability, before making a decision on your eligibility to apply, regardless of your credit score.

Getting an agreement in principle from us is a simple process. Simply follow the steps below, and you can have money in your account within an hour.

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

How Direct Lender Loans From Payday Loans Net Work


As an FCA authorised direct loans lender in the UK, we consistently abide by the rules, regulations and guidance put forward by the Financial Conduct Authority. As a trusted direct loans lender, the Financial Conduct Authority reviews our practices, acknowledges that we are operating in a legal and responsible manner and decides that we are a trusted lender.

To apply for direct money loans from Payday Loans Net, you do not have to pay a fee for our services. Furthermore, being a direct loans lender means that our customers do not have to worry about time-consuming middlemen. Often, when you choose a broker, rather than a direct loans lender, you are also putting your private, personal information at risk. At Payday Loans Net, we can assure you that we will never pass on any of your critical information. We treat all of our customers with the respect and courtesy they deserve, so you can rest assured that when you choose direct loans in the UK with us, you will be dealing with us and only us. From the minute you apply to the day you pay your loans back; Payday Loans Net will be your primary and only point of contact.

We utilise numerous tools and resources to help work out how much you need, using the most advanced direct money loan application process to assess this. Simply put your figures into a loans direct money calculator to see how much you need to borrow. If you meet out criteria, we will happily approve your direct money loan, sending you up to £1000 within an hour of approval

The application process itself only takes 3 minutes, and we will give you an answer within 90 seconds of completion. It really is that easy!


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How Can a Direct Lender Loan Help?


This will depend on what you require your direct payday loan for. A direct lender loans in the UK should be your first choice when looking for financial help.. If you have an emergency and need money now, the best way to get a direct loan is to go through a direct lender. It is quicker, cheaper and much simpler to deal with. A direct lender loan in the UK 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.

Direct Lender loans FAQs


What Are Direct Loans?

With so many different loans available, it is important to understand what the differences between them are. Some 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. As lenders of direct payday loans in the UK, we cut out the middleman. This means your point of contact will always be us. Additionally, we reduce the risk of your confidential information becoming compromised, and never pass your details to any third parties. We provide a fast and efficient approval service that is only a click away.

How Quickly Will I Receive Direct Loans in The UK?

You will receive your direct loan very quickly. Once you have applied, we ensure that our loans go to you direct, almost immediately. The application process takes 3 minutes, and we can approve your direct loans within 90 seconds. It’s that simple. Additionally, once you have received your decision in principle, you can get your direct money loan the very same day, reaching your bank account within 1 hour if you apply within business hours.

Who are Direct Lender Loans Good For?

No matter the reason you apply for a direct loan, we at Payday Loans Net that any unexpected bills or maintenance costs can cause our applicants high levels of stress. We don’t want to put you under any more pressure than you are already experiencing, which is why we provide loans direct to the people who need them, regardless of the reason why. Direct loans in the UK are an excellent way to bridge the gap between one payday and the next. Our applicants come from a wide variety of backgrounds and approach us for different reasons. We have an exceptionally high rate of acceptance, so if you are searching for direct loans without a guarantor, we can certainly 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 direct money loans for a wide range of different people. IF you are a student and can prove you have the ability to make the specified repayments, then you can apply for loans direct today. We take a human approach when assessing our candidates and 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, so you can get yourself into a comfortable financial position once more. Students often choose Payday Loans Net as their direct payday loans lender 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?

As we accept people from a wide variety of different financial backgrounds, we appreciate that your financial situation may well have changed since the last time you applied for direct money loans. 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 informed consent, we can even act as your broker. Our team will contact other loan lenders who are more suited to your situation. We will only contact reputable direct loan lenders like us, and only with your permission. 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.

Am I Eligible for a Loan?


As a moral, FCA authorised lender, there are certain criteria that our borrowers have to meet before they apply for a direct money loan. Borrowers need to:

  • Be at least 18 years of age
  • Reside in the UK
  • Have a UK bank account
  • Be in full-time employment

When applying, you should search for loans from direct lenders only. If we cannot provide you with a direct payday loan, we have other ways of finding for you a lender who could provide you with direct payday loans in the UK. If you would like us to pursue this option, tick the box stating so before you submit your application. We will never pass on your personal details without your permission.

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