Payday Loans Direct Lenders, Payday Loan Direct Lender UK

Payday Loans Direct Lenders

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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 quick cash and are undecided where to look, payday loans direct lenders can help you. Offering a quick way to access the funds you need in an emergency, there are numerous online payday loans direct lenders ready to assess your application. Here at Payday Loans Net, we specialise in loans up to £1,000 that can be approved in as little as 90 seconds. We can provide you with the cash the same day with a short term loan that can be repaid over 3 – 6 months.

If you are ready to apply today, choose the amount and repayment term you want and click apply now. Our short application takes just minutes to complete, and we’ll provide an instant decision. If successful, you will receive the cash the same day into your bank account. As a payday loan direct lender in the UK, we can also help if you have poor credit if you can afford the repayments. Apply now to see how we can help you today.


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Payday Loans Direct Lenders in the UK


If you are comparing direct lenders to brokers when looking for a payday loan or other form of short term borrowing, there are some key differences to note. Whereas a broker will connect you with other lenders through their service and not lend money directly themselves, all payday loans direct lenders will provide the cash you need without referring you to a third party. At Payday Loans Net, as we are a new payday loan direct lender in the UK, we have been able to assess the short term credit landscape and provide a service customers want. We provide same day loans for approved applicants thanks to our quick application process. This means we can give you a decision within 90 seconds, leaving you with more time to focus on resolving your financial issue. We also won’t decline your application just based on a poor credit rating. We can help those with a low credit score get the loan they need to cover an unexpected expense.

We’re not a guaranteed payday loan direct lender, so we need to perform credit and affordability checks first to ensure the loan is affordable for you. We will still decline applicants who are in financial difficulty, and as a responsible lender that is fully authorised by the Financial Conduct Authority (FCA), we work to FCA guidelines to ensure you are treated fairly. Many payday loans direct lenders only provide cash that has to be repaid by your next salary date. We work differently and provide 3 – 6 months to repay, making repayments smaller and more affordable to pay each month.

Finding a Payday Loans Bad Credit Direct Lender


When you have bad credit, it may be difficult searching for an affordable loan option. Many lenders may use automated lending decisions that can filter out applicants with a poor credit history. This is where a payday loans bad credit direct lender can help and provide an emergency loan when you have exhausted other means. If you are someone in a position where you have no available savings, or friends and family cannot help, new payday loans direct lenders can offer an alternative to the traditional banks. At Payday Loans Net, we focus on your affordability in the present, so if your current finances are in a good place and you can afford the repayments requested, we can look to help. We take a human approach to lending, so rather than relying on automated processes, we will take the time to assess each applicant.

Many people may have had a situation where their finances have been in a difficult position in the past and may have had arrears or defaults on previous agreements. Whilst it’s important for us to see this information, identified when performing credit checks, it is only one part of the approval process. We’ll assess your current finances and if we can determine you can afford a small loan through us, there is every chance we can look to help. We won’t request that you provide a guarantor like many other lenders either, leaving you to apply in confidence if you can demonstrate affordability.

We are 24/7 Payday Loans Direct Lenders


An unexpected bill can arrive at any time, leaving you with having to quickly resolve it. As we know that you need access fast when this occurs, we are 24/7 payday loans direct lenders, so you can apply at any time you need to. We are open Sunday to Friday, 8am to 5pm, so we are one of very few payday loans direct lenders that can help with weekend loans.

We can pay out fast too, so if you are eligible and approved, we can transfer the funds the same day in most instances. If applying outside of our business hours, we’ll aim to have the funds transferred within 24 hours. It’s all part of our commitment to being the best payday loans direct lender possible, helping our customers with the financial support they need quickly whilst working to FCA lending guidelines.


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Payday Loans Direct Lenders FAQs


Do Payday Loans Direct Lenders Only Help Those with Good Credit?

Whilst there are some lenders who will only help those with a good credit history, many can help those with a low credit score. Here at Payday Loans Net, we cannot guarantee approval for any applicant, no matter their credit history. Instead, we take the time to fully assess all applications made and provide a decision based on affordability and your current finances.

Do All Payday Loans Direct Lenders Provide Instalments?

Not all payday lenders will provide monthly instalments, as traditionally, many will require full repayment within 30 days or on the next salary date. We work differently and provide short term repayments between 3 – 6 months to make repaying much easier and more affordable each month. You can use our loan calculator to see how much this will cost and adjust the repayments to suit your circumstances. You should always apply for repayments you can comfortably afford and not just the longest term available.

As New Payday Loans Direct Lenders, Do You Charge a Fee?

We do not charge any fee to apply here at Payday Loans Net. You may find brokers who provide a choice of third party lenders, but will charge a referral fee or admin fee for the privilege. Similarly, other online payday loans direct lenders may charge a setup fee too, or even hidden fees within the credit agreement. At Payday Loans Net, we are transparent with our terms, meaning there are no hidden fees, no fee just to apply, and any admin related fees are capped at £15. We are FCA approved payday loans direct lenders, working to FCA guidelines. This means we won’t charge more than 100% of the value of the loan in interest and fees, and any daily interest is capped at 0.8% if a payment is missed and not repaid within 24 hours.

Is there a Credit Check with a Payday Loans Bad Credit Direct Lender?

As responsible lenders, we require applicants to undergo credit and affordability checks before any approval for a loan is made. All payday loans direct lenders are required to do so, meaning we do not provide no credit check loans. You should check with lenders that claim to provide this are FCA authorised, with their details appearing on the FCA register. Whilst we do perform the necessary credit checks, this doesn’t mean we can’t help those with bad credit. You can still apply for a loan through us if you are not in financial difficulties and you can afford the loan repayments.

Apply Now through a Trusted Payday Loan Direct Lender in the UK


Want to apply today and choose a payday loan direct lender in the UK you can trust? Click apply now and we’ll help you in an instant. If you have any questions about our loan options, please contact us today. As we are a direct lender, we cannot offer any financial advice. However, if you are experiencing financial difficulties, please visit Money Helper for impartial advice and more information to help.

Payday Loan Direct Lender in the UK


We are one of the leading payday loans direct lenders in the UK, helping those needing a short term instalment loan get approved quickly. We can help those with a poor credit history too if they can afford the required repayments. To apply today, you will need to meet the following eligibility:

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

If you are also at least 18 years old, you can submit an application and get a decision in 90 seconds. We will perform credit and affordability checks and, if approved, pay the loan funds into your bank account the same day. Please note, we do not provide 100% acceptance loans and if we cannot determine you can afford the loan you apply for, we will have to decline. Below is a representative example of a loan with us, and you can use our loan calculator to see how much a loan of up to £1,000 between 3 – 6 months will cost before proceeding.

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