PDNET loans

When you’re experiencing a tight financial period, and need a small amount of money to get you to the end of the month, Payday Loans Net comes in. We make it possible to get short term payday loans from a fast and transparent lender online, which can give you the confidence to get to payday easily.

People prefer PDNET when they want loans from a reliable new direct lender who will give them the money they need, in a short amount of time, with no hassle, and no hidden fees. We help thousands of UK citizens, who rely on our personal same day loans to help them get by.

Should I get a loan from PDNET?

Payday Loans Net is a step above many other lenders. Our flexible terms enable easy credit when you need some quick cash from a responsible direct lender. We offer loans from £200 – £2000, which you can repay over 1-6 months – you choose! Flexible repayment terms allow borrowers to repay the loan in a time frame they are comfortable with, and that will allow for a responsible weekly and monthly budget

At PDNET, we want to make life easy for you. If you realise you can repay your loan earlier than expected, e.g. after two weeks of taking out the loan, you can do so – free of charge! This way, you can save on interest too!

When you’re short on time, and need to get together some funds to cover emergency expenses quickly, we are here to step in. The application process is easy, and it’s free to apply. When approved with PDNET, you can expect a same day payout to your bank account, and often within only a matter of a short few hours. But you won’t be waiting so long to find out if you are approved. Once you apply, you will receive an instant decision on your loan status.

Before taking out a loan, you want to be sure that you are getting the best one for you. Always compare prices and loan terms of different lenders to be sure you’re not being ripped off.


Flexible terms from a responsible payday loans lender

Anyone can apply for our short term payday loans, as long as you have a reliable source of income. This includes loans for students, citizens who are self-employed, unemployed and on benefits. We aim to offer flexible loans for people who have one-time credit needs, and we think it’s only fair to give everyone a chance.

It is important to note as with all lenders, we carry out credit checks so that we can understand your situation better, and help you to obtain affordable credit.

Difference between short term and payday loans

Here are the main characteristics of short term and payday loans online. Always be sure to know your product before borrowing and choose one that will offer the most flexibility for you.


Short-Term Loans UK

  • Increased flexibility – you choose monthly repayments
  • Lower repayments, more affordable
  • Higher acceptance rates, lower risk for lender

Payday loans

  • Instant cash for a short emergency – until pay day
  • In debt for shorter time


In the past, payday loans were limited to one month only. However, many reliable lenders now offer short term and payday loans with no guarantor over a time period that you choose.

Can I get loans with bad credit or no credit check?

Nowadays, it’s easy to get fast loans, even if you have poor credit. PDNET specialises in providing flexible loans for bad credit with a high acceptance rate.

Like all FCA regulated companies, we have to carry out credit checks on all applications. Checking your credit rating helps us to get a better idea of the borrowers’ financial situation and offer them flexible repayment terms that are suitable for their circumstances.

If you are approved for a bad credit loan, you can receive the funds on the same day, and often within a short few hours.

There are advantages and disadvantages in using small loans. Ideally, you should try to use other means of obtaining fast cash. However, if push comes to shove and you have no other solution, be sure to use the loan responsibly.


Here are factors to consider when choosing a cash advance right for you.

  • Check that your lender is trustworthy and FCA authorised
  • Stay in control of your loan with a direct lender
  • Choose a loan amount that you really need
  • Decide on a monthly repayment plan that will help you to repay easily
  • Ensure the lender has no hidden fees

Can I get instant / same day cash with PDNET?

Yes you can! We recognise that fast is the key word here, and we want to help you accommodate that need! With Payday Loans Net you aren’t left waiting in limbo. Once you submit your online application, you get an instant decision on your loan status. If you are approved, we fund the money on the same day, during office hours.

We require no guarantor to borrow from us, so you can be sure the process will be as quick and easy as possible. Simply apply for any amount between £200 – £2000 (more than most UK lenders offer) and get your response within two minutes.

Who can apply for a quick loan?

To be eligible for a last-minute loan from PDNET, applicants should meet these criteria:

  • You are 18+ years of age
  • You have a UK bank account
  • You’re a UK citizen
  • You have a steady source of income

How can short term loans help?

When faced with a temporary money shortfall, even a small loan can help you to get back on your feet. Borrowers usually use a short term loan when an emergency or unexpected expense crops up, such as a broken appliance or a large bill. While short term loans can be most helpful and are easy to quick to obtain, use them cautiously. Borrowing more than you can repay, can lead to debt.

Is PDNET trustworthy?

We are a fully FCA authorised lender in the UK. Also, you can be sure that your information is safe with us. We have a secure website and use advanced technology to ensure that any data which you input stays with us. PDNET will never pass on your information to other lenders without prior permission from the applicant.

The difference between long and short loan

Short term loans and payday loans UK are repayable over a short amount of weeks or months. Conversely, long term loans are available for many years. These include personal loans, mortgages etc. A long term loan often has lower interest rates, but in total, the amount that you repay is higher.

How short term loans work – behind the scenes

With PDNET, the borrowing experience is fast and straightforward. No hassle, no small print, no financial jargon. Applicants need to fill out an application form which takes approximately two minutes. Once the application is submitted, our leading technology uses various factors to determine whether at first glance, we will be able to offer a loan.

If the loan status remains ‘in review’, the application is then sent to our team who manually check the individual’s credit file. As long as we see that the individual is likely to repay the loan, we will approve the request quickly. If we have any queries, a member of our team may contact you on the number provided. Once approved, you can receive your money into your bank account on the same day!

You can learn more about how our loans work here.

Why do short term lenders charge such high interest?

You can think of it like any other business. To be able to offer quick and easy cash to our consumers, we have to keep our office, workers and website in good shape. All these expenses need to be paid for, and we have to project these costs onto our consumers. This way we can aim to continue offering loans in the UK.

Thankfully, the FCA has placed caps on the interest rate that lenders can charge. Therefore, you will never pay more than 100% of the loan cost in interest fees.


What if I cannot make repayments on time?

If you are struggling to repay your monthly loan instalments, it is best to advise us of your situation. If we are informed, we will be happy to come to an agreement which will allow you more flexibility such as weekly or monthly repayments. Late repayments have a fee of £15 and can eventually leave footprints on your credit score.

Written by: Felicity Jones
The article "Short Term Loans" was last modified on