Payday Loans Net is a fully FCA authorised direct lender you can trust. Our goal is to ensure our borrowers enjoy a smooth and transparent borrowing experience when facing a money shortfall. Our loans are available for bad credit, and there is no fee to apply. With Payday Loans Net you will receive an instant decision on your loan application, and once approved, we fund the loan on the same day. Below, you can find out exactly how it works.


Our Loan Process


There are many advantages of choosing loans from Payday Loans Net. The thing our borrowers like us most for, is that we’re there when they’re stuck for cash. Our application form is simple to navigate, and we have a loan calculator to help you to work out the amount you need. If you have any queries about our loans, check our FAQ page or feel free to contact us. Our friendly customer service team are always happy to help.

Step 1: Choose your loan
amount and duration
Step 2: Fill out the online
application form
Step 3: Verify that you would like to
go ahead with the loan
Step 4: Receive the money
direct to your bank account

How Much Can I Borrow?



You can get payday loans of £200 to £2000 with Payday Loans Net. We offer the flexibility of repaying your loan in instalments of up to 6 months, just pick a loan length that suits you best. Furthermore, if at any point you find that you can repay your loan early, we are all for it! Just contact our customer service team and we will arrange it for you.


Loan Amount Loan Duration
£200-£2501-2 months
£3001-3 months
£350-£450 2-3 months
£500-£600 2-4 months
£650-£850 3-4 months
£900-£11004 months
£1200-£20006 months


How Do I Apply?


The loan application is quick, easy and 100% online. Just fill out our application form with your personal details. At this point it is worth spending an extra minute or two to ensure your details are accurate as this will save time having to clarify your details later. Once you submit your application, you will receive a decision within 90 seconds stating whether or not your loan has been approved. Afterwards, you will be asked to verify a few quick details online. We fund the loans on the same day as approval.



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 our 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

If we are unable to provide you a loan, we have an option of finding for you other lenders who may provide you a loan. 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.

Payday Loans for Bad Credit


Payday Loans Net specialises in loans for bad credit. You can apply anywhere, at any time. Our primary concern is to get you a loan without any hassle and with no unexpected surprises. Got questions about the loan process? You can contact us at any time with your queries and we will get back to you as soon as possible. Apply now for a loan of up to £2000 and you will get an instant decision.



Written by: Felicity Jones
The article "How it Works" was last modified on