Payday loan direct lenders

Need cash fast? Payday loan direct lenders are where you turn to borrow a relatively small sum for a short period.

What are payday loans from direct lenders?

Direct lenders are the companies from whom you borrow. The small loans in which they specialise are sometimes called payday loans because the borrowing is short-term — typically repaid when you receive your next monthly pay cheque.

There are any number of payday loan direct lenders in the UK. You may arrange your payday loan directly from the lender of your choice. Or — to save yourself both the hassle of searching and approaching each one in turn — choose a specialist broker to find the one that most suits your particular needs and circumstances.

Payday loans are typically for small amounts, limited to just one or two hundred pounds. Even so, some UK payday lenders offer loans from just £100 right up to £3,000.

Although they may still be called payday loans, you might choose to repay these small loans within just one month or extend your borrowing over as many as 24 months (depending on the terms of the payday loan provider).

Get £100 to £3,000 paid out by 6:35 am

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(It won't affect your credit score)
Representative 669.35% APR (variable)
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Why might I need a payday loan?

However carefully you manage your domestic budget, there are always times when unexpected or unplanned expenditure catches you unawares.

If the car you rely on to get to work, for example, breaks down, you have little option but to get it repaired — and that might mean borrowing a few hundred pounds to get your essential transport back on the road again.

Alternatively, you might have spotted a never to be repeated offer that could save you many pounds — if only you had the extra cash to hand.

That is where payday loans may offer you a solution.

Is there an easy way to compare UK payday loan lenders?

When time is at such a premium on these occasions, the last thing you want is to trawl around from one lender to another.

At the same time, though, you want to compare as many offers as possible to ensure you get the most attractive deal.

On those occasions, a specialist lender with established working relationships with a network of payday loan direct lenders in the UK is able to make the comparisons you need — and quickly. Such a specialist is in a position to recommend the lender with the most suitable deal to meet your needs.

What are the benefits of brokers offering direct payday lender loans?

By consulting a specialist broker in this way, you enjoy the benefits of:

  • comparing the deals on offer from a wide network of different direct payday lenders;
  • tap into the flexibility that comes from choosing from such a wide range of lenders;
  • the ability to make your application at any time of the day or night, via your mobile phone, tablet or desktop computer; and
  • ensure that the loan you need is delivered directly to your bank account in the fastest possible time.

Not only that, but if you repeatedly apply for payday loans from different UK direct payday loan lenders, this potentially could affect your credit score - negatively.

This is because, depending whether the lender does a ‘hard’ or ‘soft’ credit search, lots of applications to different providers could show up on your file. To the organisations you are looking to borrow from, this could smack of financial desperation — making your chances of being accepted for a payday loan even less.

By using a high acceptance payday loans specialist, you simply make one application — and you’ll be matched with the direct payday lender who is most likely to approve your application. This saves you time, effort and protects your credit file.

Get your personalised quote

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

Why you'll love Instant Lolly

Are you looking for payday loans from direct lenders 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!

Let's find your perfect payday lender

Here at Instant Lolly we have cultivated precisely that network of specialist payday loan direct lenders in the UK.

That way, your application for a loan may be considered by up to 50 lenders at the same time.

Because we have used our experience and expertise to submit your application only to those lenders most likely to accept, you also avoid the adverse effects on your credit rating that any rejection is likely to entail.

Instant Lolly offers the convenience of online applications — anytime 24/7 — flexibility in borrowing the amount you need over repayment terms you may afford, a fast decision and, money transferred within 15 minutes of your formal approval.

Of course, as a reputable provider of payday loans, we reserve the right to decline your application if we believe it is not in your financial interests.

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.