Fast payday loans

Fast payday loans exist to help you to get access to money in emergency situations.

Why you might need a payday loan

Payday is still perhaps a week or so away. That’s normally fine but this month you’ve been suddenly hit by an unexpected bill or other expense — and it won’t wait.

Alternatively, perhaps you’ve just spotted the deal of a lifetime and need to move quickly to snap it up. Unfortunately, you just don’t have the cash in the bank to do so.

Fast payday loans could be the answer. They can give you rapid access to emergency cash without red tape and delay.

In some cases, payday loans can be approved and the funds on the way to your bank within as little as 15 minutes. That bill or deal can be dealt with more or less immediately.

Get £100 to £3,000 paid out by 6:38 am

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(It won't affect your credit score)
Representative 669.35% APR (variable)
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What are fast payday loans?

The basics of applying for an ordinary loan are well understood.

They typically involve making lengthy applications then getting them checked, reviewed and discussed. Hopefully, eventually, the loan request will be approved.

That process might be fine but it doesn’t always fit the speed the modern world operates at.

Fast payday loans are different. Typically:

  • you apply online;
  • a poor credit history might not be a problem;
  • you can select how much you need up to a specified maximum (the range is typically £100-£3,000);
  • then you select how long you’d like to repay the loan over (this period is called the “term”);
  • the application will get a very fast response and you might receive it within a few minutes;
  • if approved, the money will be transferred directly to your bank account.


In order to gain access to fast payday loans, you will typically need to meet some of the following criteria, such as being:

  • in regular income-generating employment. You may need to provide evidence of this;
  • resident at a verifiable UK address;
  • seeking a sum that makes sense when viewed against your typical monthly income and your ability to meet the monthly repayments.

Poor credit history

Unlike some conventional loans, fast payday loans may be available to people with poor credit histories.

Of course, final approval cannot be guaranteed in advance. Any potential lender will reserve the right to refuse a loan if they perceive the risks of advancing it are too high, both in terms of their and the potential borrower’s best interests.

Repayment periods

At one time, payday loans were typically repaid in total on the next payday. That is the origin of the name, which has stuck, even though these products are now much more flexible than they once were.

Today, you may be able to secure fast payday loans over a repayment term of up to 24 months (or even 36 months with some providers).

Remember though, the longer you take to repay a payday loan, the more you will end up paying in total over time.

Get your personalised quote

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(It won't affect your credit score)
Representative 669.35% APR (variable)
View example

Fast payday loans from Instant Lolly

Are you looking for payday loans online because you want something that is quick and easy to apply for? Then we think you’ll love Instant Lolly.

Flexible borrowing — choose from a large range of short-term and payday loans.

Flexible borrowing

Choose the most suitable loan amount and term for your needs. We provide loans from £100 to £3,000 over 1 to 24 months.

High acceptance — great approval rates for people with good and bad credit.

High acceptance

Fill out one short application form, and we will ensure your details reach all the right lenders for the best chance of approval.

Fast funding — instant decisions and speedy money transfers guaranteed.

Fast funding

Receive a decision in seconds, and get money sent to your bank account as soon as 15 minutes after approval.

Online convenience — access the best UK direct lenders from the comfort of your sofa.

Online convenience

Apply securely online 24 hours a day, seven days a week, from the comfort of your own sofa. Oh, and it's FREE too!

How we can help

At Instant Lolly, we have extensive experience of fast payday loans and access to an industry-leading panel of lenders who offer them.

As you might imagine, some lenders tend to specialise in certain types of requirement. Other lenders see things differently and are more receptive to loan applications for a different set of reasons.

We can quickly and efficiently match your unique circumstances to those lenders who will be more likely to respond both positively and rapidly.

Rather than potentially waste a lot of time trying to do things yourself, why not contact us without further delay to see how we can help you gain access to a fast payday loan today?

Can I apply?

To apply you must:

  • be at least 18 and a permanent UK resident;
  • receive a regular income, such as a wage, a pension or benefits.

You will also need:

  • a mobile phone and email address;
  • a UK bank account with a debit card.
We respect your privacy and will never use, sell or share your information for marketing purposes.

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; call the Step Change Debt Charity on 0800 138 1111; or National Debtline on 0808 808 4000; or visit; 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.