Payday Advance, Apply for Payday Advance Loans Online UK

Payday Advance

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Representative example: Borrow £700 for 5 months. 1st monthly repayment of £235.80, 3 monthly repayments of £235.80, last monthly repayment of £235.90. Total repayment £1,179.10. Interest rate p.a. (fixed) 222.79%. Representative APR 832.04%. Our APR includes all applicable fees. Daily interest is capped at 0.793%.


If you need some extra cash before your next salary date due to an unexpected expense that just can’t wait, a payday advance can help. Providing quick cash when you need it most, at Payday Loans Net, we can provide payday advance loans that can be deposited into your account the same day, up to £1,000.

To apply for a payday advance, choose how much you want to borrow and a repayment term between 3 – 6 months, and click apply now. We’ll give you an instant decision within 90 seconds and even consider those with poor credit.


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What is a Payday Advance Loan?


A payday advance in the UK describes a short term loan that provides extra cash in an emergency between paydays. This is commonly needed by those that are short on funds in the middle of the month after their essential bills have been paid, and an unexpected or emergency expense occurs. As some issues cannot wait until the next day someone is paid, for example, a boiler repair or emergency car repair, it leaves many with either using their savings or asking friends and family for help.

A payday advance direct lender will provide a convenient way to borrow money quickly so that an emergency can be settled fast. Many will provide same day advance payday loans, where once approved, the cash can be transferred directly into your bank account within 24 hours. Traditionally, a payday advance would need to be repaid on the next salary date, meaning borrowers would have less than 30 days to repay the loan. Here at Payday Loans Net, whilst we offer similar payday advance loans, we do not request successful applicants to repay this quickly. Instead, we provide flexible repayment options so that you can choose between 3 – 6 months to repay at an affordable amount. So, if you have got to resolve a financial emergency and do not have the savings to cover it, apply through us today for a quick decision.

Same Day Payday Advance Loans


A payday advance can be paid out very quickly, which is ideal when time is against you and your financial issue cannot wait. A 24 hour payday advance allows you to apply at any time of day and receive the cash within this timeframe. With us, you can apply at any time through our website even though we operate between Sunday to Friday, 8am to 5pm. If you apply during an evening, for example, we’ll be able to process your application the next day and provide same day cash. If you need the cash the same day that you submit an application online, you’ll need to do so during these business hours.

We have helped many happy applicants get a loan within 24 hours to resolve their unexpected expenses, and this includes those with a poor credit history. We are responsible lenders and will fully assess your application and financial history. However, we will not decline you just for having poor credit, instead, if you can afford the loan you want and you are not in current financial difficulty, we can look to help.

We Are Online Payday Advance Lenders


As trusted by the Financial Conduct Authority (FCA), we are authorised online payday advance lenders, following responsible lending guidelines. Through us, we’ll ensure that you can afford the loan you apply for before approval and provide transparent terms that are easy to understand. Our quick loans can make a difference when cash is low and you have no other options to help. Our loan APR is one of the lowest amongst payday advance lenders, representative 997%, which you can easily compare online. We’ve made it simple to calculate how much the loan you want will cost, so you can compare and stay informed of the best payday advance loans for your circumstances.

You should always seek to use trusted sources when needing credit fast, as there are still lenders online that do not have your best interests in mind. We do not charge a fee to apply, and we also do not add any hidden fees to your agreement. As per FCA guidelines, any default fees charged will not exceed £15, and you will not pay back 100% more than the value of the loan in fees and interest. Interest charged daily will not exceed 0.8% either, so you can apply with confidence we are a trusted source of same day advance payday loans.


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Payday Advance FAQs


Can I Apply for a 24 Hour Payday Advance?

Whenever you need to apply for an instant loan, you can do so through our website 24/7. We know that you can receive an unexpected bill at any time, and because of busy lives, finding the time to deal with an essential bill is not always during business hours. That’s why you can use our website to submit an application and we’ll process it as soon as possible. In most cases, approved applicants will receive the funds on the same day they apply, but where that is not possible, it will be on the following working day, within 24 hours.

Are Payday Loans the Same as a Payday Advance?

Both a payday loan and payday advance are similar types of short term borrowing, providing cash before your next salary date. Where they can differ is in how long you have before paying the loan back, with many requiring settlement within 30 days, or your next pay date. This is where some payday lenders will differ, and through us, we provide between 3 – 6 months to repay. So, if you require a loan of £300 – £1,000 to help resolve an emergency, apply through us today and we’ll help as quickly as we can.

Does a Payday Advance Direct Lender Need a Guarantor?

We do not require applicants to provide a guarantor to apply for our payday advance loans. We can help you with our no guarantor loans that many other lenders cannot, as some will still view lending to those with bad credit as a risk. However, we won’t just approve a loan without checking your financial history. We are responsible lenders and will only approve a loan application if it passes the required credit and affordability checks first. If we feel you may fall into financial difficulty from one of our loans due to low affordability, we will decline on this occasion.

How Quick is a Payday Advance in the UK?

An application through us can provide a fast outcome, as once you submit an application, we won’t leave you waiting. Most will receive a decision within 90 seconds, then once you have signed your credit agreement and reviewed the terms, we can process payment to your bank account. This means having the cash to use the same day if processed before 16:30, Sunday to Friday. Please note, your bank will need to facilitate faster payments for this to be possible, and any information that needs to be clarified on your application may delay a decision.

Apply Now for the Best Payday Advance Loans


We want to help those who have exhausted other means to settle an unexpected expense. If you are ready to apply today, click apply now to begin a short application. If you require assistance or have any queries about a payday advance in general, please get in touch with the team.

For impartial advice when experiencing financial difficulties, please visit Money Helper for more information.

Payday Advance Loans


Payday advance loans can be a solution for those short on money and in between paydays. They can be used in an emergency to resolve a situation quickly and provide a convenient way to repay, either in one lump sum or over short instalments. We provide flexible options at Payday Loans Net that will help you when you need it most. To be eligible to apply today, you’ll need to meet the following requirements, as well as being 18 years old or above:

  • Reside in the UK
  • Have a UK bank account
  • Have a steady income

As we assess your finances as well as your credit history, you will need to ensure before applying that the loan is affordable for you. We do not provide guaranteed loans, so we will have to decline if you are in current financial difficulty. If we can approve your application, we can do so in 90 seconds of applying and pay out the same day where possible.

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
Warning: Late repayments can cause you serious money problems. For help, go moneyhelper.org.uk