Browse payday/short-term loan lenders: A to Z list

A list of popular lenders providing payday and short term loans to UK borrowers.

Last updated:

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

Please note: High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing.

Promoted
Moneyboat Short Term Loan

Moneyboat short term loans

  • Borrow £200 to £1,500 over 2 months to 6 months
  • Instant decisions in most cases
  • Fast online application with no fee
Representative example: Borrow £400 for 4 months at a rate of 255.5% p.a. (fixed). Representative APR 939.5% and total payable: £597.48 in 4 payments of £149.37.

We compare payday/short-term loans from

Lending Stream Instalment Loan
Satsuma Short Term Loan
Savvy.co.uk Personal Loan
Sunny Loan

Click on a lender to learn more about the services it provides.

How do I find the best payday lender?

Getting the best payday loan is basically a matter of finding the lender that will offer you the loan amount you need with the lowest rate. When choosing a loan, It’s also important to check if a lender has any hidden fees, as these can have a big effect on the overall cost of your loan.

Which payday loan lenders are good for bad credit?

Most short-term lenders will consider offering loans to those with bad credit, but there’s likely to be other eligibility criteria you’ll need to meet in order to get a loan.

However, a payday loan should only be considered a last resort, even if you have bad credit and can’t get approved for a regular personal loan. Having a bad credit score generally suggests you’ve struggled to repay previous debts, and failing to repay a short-term loan can have serious financial consequences.

Do all payday lenders perform a credit check?

Yes, all short-term lenders will perform some type of credit check when you apply for a loan. Some payday loan providers will claim to offer “no credit check” loans, but this is misleading. When you apply for a loan, the lender will do a credit check to make sure you meet the eligibility requirements.

However, you can still be eligible for a payday loan even if you have bad credit, but may receive a less favourable rate than someone with a better credit score.

Table: promoted deals, sorted by total payable
How much do you need to borrow?


How long do you need to borrow for?


Name Product Available amounts Monthly repayment Total payable
Lending Stream Instalment Loan
£50 to £1,500
Representative example: Borrow £200 for 6 months at a rate of 292% p.a. (fixed). Representative 1,333% APR and total payable £386.61 in 6 monthly payments of £64.44.
Satsuma Short Term Loan
£100 to £1,000
Representative example: Borrow £480 for 9 months at a rate of 133.1% p.a. (fixed). Representative 535% APR and total payable £959.04 in 9 monthly payments of £106.56.
Savvy.co.uk Personal Loan
£300 to £3,000
Representative example: Borrow £1,000 for 12 months at a rate of 152.33% p.a. (fixed). Representative 352.7% APR and total payable £1,999.92 in 12 monthly payments of £166.66.
Sunny Loan
£100 to £2,500
Representative example: Borrow £100 for 8 months at a rate of 204% p.a. (fixed). Representative APR 568% and total payable £199.33 in 8 monthly payments of £19.93. You can repay this loan early.

Compare up to 4 providers

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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