No fee payday loans

We don't charge fees!

Instant Lolly is free for customers to use — it always has been and always will be.

We won't charge you an upfront fee or add commissions onto your loan. Nor will we insist that you sign up to a paid membership plan or subscribe to our mailing list to use our service.

How we make money

However, we do need to make money to keep the business running. This website is our bread and butter, so we want to be clear on how we get paid.

Lenders pay us a small fee for introducing you to them. The fee varies depending on many different factors, but put simply, it depends on how much the lender would like your business at that time you apply.

What's more, we ONLY get paid when you get the loan you need — a great incentive for us to work our socks off for you — and I think you'll agree, a win-win situation for both parties.

How do I apply for a (no fee) payday loan?

Instant Lolly is a fast and convenient way to apply for an instant payday loan online. You can apply to borrow from £100 to £3,000 and choose a repayment term from 1 to 24 months.

In order to apply, you need to be a UK resident and at least 18 years old. You'll also need to have a regular monthly of income that you can use to repay the loan — it can be from work, a pension or benefits.

The application process takes just a few minutes and you'll receive an instant online decision from us. If approved, the money will be sent to your bank in under an hour.

Instant Lolly is an established UK credit broker, authorised and regulated by the Financial Conduct Authority. Our website incorporates the latest security technology, including a secure browser connection to ensure you personal details are kept safe at all times.

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.