1-month loans: financial help until payday

If you just need an advance on your next wages, a 1-month loan could provide the temporary financial support you need for up to 30 days.

One-month loans can be used to help with living expenses, ensure you avoid missing regular payments or even make a timely down-payment on something new – it’s entirely up to you.

Simply choose just the amount of money you need, starting from only £100, and with the help of Instant Lolly, you could have the funds in your account today.

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(It won't affect your credit score)
Representative 669.35% APR (variable)
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One-month loans: key facts

What exactly are 1-month loans, and should you get one? Here are the key facts that will help you decide whether this type of loan is right for you.

1-month loan
Loan duration1: up to 30 days
Number of repayments: one lump sum
Loans available2: £100 - £1000
Loan type: payday loan
Suitable for credit types1: good credit, bad credit, no credit
Features1: fast approval, same day payout, no guarantor
Also known as: instant payday loans, 30-day loans

1 May vary by lender. 2 Higher amounts may be available, however, the majority of lenders have a maximum borrowing limit of £1000 or less on one month loans; applying for a larger amount of money may reduce the likelihood of being accepted.

How much do 1-month loans cost?

Does a one-month loan fit within your budget? Check out typical costs for the most popular loan amounts borrowed over 1 month.

Repayment costs for 1-month loans*
Amount Borrowed 1 Payment Total Repayable
£100 £124 £124
£200 £248 £248
£300 £372 £372
£400 £496 £496
£500 £620 £620
£600 £744 £744
£700 £868 £868
£800 £992 £992
£900 £1,116 £1,116
£1,000 £1,240 £1,240

* Examples are for illustrative purposes only. Calculations are based on a daily interest rate of 0.8% over 30 days. If you apply with Instant Lolly and are accepted, your personalised offer may vary.

Alternative repayment plans

If a one-month loan isn't quite what you're looking for, why not check out these popular alternatives:

How do I apply for a 1-month loan?

If you think a 30-day loan is the right choice for you, use the slider to select how much you would like to borrow then simply click 'Apply Now' to start your application.

We also offer other repayment options all the way up to 2 years, so you'll always be able to find a repayment plan that fits your budget perfectly if you decide that a 1-month loan doesn't quite fit the bill.

First time using Instant Lolly?

Instant Lolly is a quick, safe and convenient way to apply for 1-month payday loans online. We can save you time and hassle, and help you sort the money you need faster by instantly matching you with a suitable direct lender.

Our service is FREE to use and is available to UK residents age 18 and over. You must have a regular monthly income of at least £400 — from a job, pension or benefits. You'll also need a bank account with a debit card (where the loan can be deposited and repaid from), a mobile phone and an email address.

Instant Lolly is authorised and regulated by the Financial Conduct Authority under reference: 742221.

Ready to apply? Get up to £3,000 within 15 minutes of approval

(It won't affect your credit score)
Representative 669.35% APR (variable)
Representative Example: £250 borrowed for 30 days. Interest charged is £60.00. Total amount repayable is £310.00. Annual interest rate of 292% (fixed).

Important Information

If you do not make your minimum repayment by the agreed upon due date, you may incur additional charges and penalties. If you are having problems paying, please call your credit provider. For other sources of assistance, visit www.mymoneysteps.org; call the Step Change Debt Charity on 0800 138 1111; or National Debtline on 0808 808 4000; or visit moneyadviceservice.org.uk; or visit your local Citizens Advice Bureau.

Loan approval: All loan offers are subject to lender final approval. Approval/transfer times vary by lender. Not all lenders may be able to transfer funds in 15 minutes. Approvals/transfers may take longer for applications processed outside normal working hours. If your bank does not support faster payments, it may take longer for funds to reach your account.

Credit checks: When assessing your eligibility for a loan, lenders will carry out a soft search; only you can see them on your credit report and they have no impact on your credit rating. If you accept a lender's loan offer, they will perform a hard credit search which will be visible to any company searching your credit report for 12 months.

Instant Lolly does not charge customers a fee for using its services, but it receives a commission from lenders or other brokers following an introduction through this website.