Instant payday loans: Get the loan you need, when you need it

Instant Lolly have helped thousands of people quickly get the instant payday loans they needed, while saving time and hassle. Apply online with many of the best lenders in one go and get the loan you need faster, with an instant decision in just a few minutes.

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What are instant payday loans?

Not so long ago, instant payday loans did exactly what it said on the tin — you took out a loan for a few days and repaid it in full on your next payday.

However, these instant online loans have recently had an update — so what's new?

Instant online loans

The good stuff hasn't changed — apply for a payday loan online, receive an immediate decision and get cash sent to your bank within an hour or so.

The product has evolved and now allows you to borrow money over longer periods. While payday loans still exist, there is a new product, known as a short-term loan.

All of this means that instant loans have not only become a lot more flexible, they're more affordable too, with rates as low as 35.9%

Flexible and affordable

Once of a time, the little slider widget used to adjust the chosen term on most payday loan websites would only move between one and thirty-one days. Now it's common to see 3 month loans to 24 month loans available.

Even Wonga, the archetypal payday lender, has introduced new longer term loan products alongside their traditional 1 month loan, which still provides emergency cash for as little as 1 day.

Payday loans are perfect for emegency financial situations where you need to bridge the gap until pay day, but short-term loans are much more flexible and can help you plan and manage your short-term cashflow better.

Advantages of instant loans

Looking for an instant payday loan? You're not alone! There are thousands of searches each month for instant payday loans online. We can all be caught out by surprise costs or unplanned events. If, like one in three people, you don't have a ‘rainy day’ fund to fall back on, an instant loan could give you temporary financial support until you restored some order.

Applying for payday loans online

While it's possible to arrange payday loans on most UK high streets, many people choose the speed and convenience of applying for payday loans online. Thanks to many providers operating mobile-friendly websites and round-the-clock services, you can apply for instant loans online anytime and anywhere using just your phone.

Supercharge your loan search. Get the money you need faster.

How do I apply for a payday loan?

Instant Lolly is a quick, safe and convenient way to apply for instant decision payday loans. Our innovative technology provides access to many of the UK's most popular payday lenders with one application. There's no credit check, just a soft search which has no credit impact.

You can borrow between £100 and £3000 and choose a repayment period over 1 to 24 months. All we ask is that you are a UK resident, 18 or over, and have a regular source income.

It's easy to apply — just fill in our simple online application and search the best of the payday market in one go. Our application form is super-slick and mobile-friendly — perfect if you need to apply while out and about. It takes us just a couple of minutes to process your completed application, then we'll give you an instant decision.

You'll always stay in control. If your application is accepted by one of our lenders, we'll immediately direct you to the lenders website where you can see the full costs and terms, and decide whether you wan't to go ahead or not. After full approval, the funds are sent to your bank, usually within a matter of minutes.†

What's more, there are no charges, fees or commissions for using our service, so try us out without risk, and find your perfect loan today.

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An alternative to direct payday lenders

Finding the right payday loan isn't easy and can take some time and effort. Different lenders have different products and lending criteria. If you don't meet the lender's criteria you may not be accepted for credit, and too many credit checks in a short period of time can be a bad thing.

Alternatively, you can apply for a loan with us, just as you would with any direct payday lender. We specialise in same day loans. We will handle the whole process for you, using our expertise to find you the most appropriate product. We work with many of the leading providers of online loans in the UK, so rest assured no stone will go unturned, and we'll do our best to help you find the loan you need.

Flexible borrowing

Choose the amount and repayment term that fit your needs. Borrow from £100 to £3000 over 1 to 24 months.

Free expert help

You only need to apply once. We'll ensure your application reaches all the right lenders for the best chance of approval.

Fast funding

It only takes a few minutes to apply and receive a decision. If approved, you'll get the money within an hour.

Online convenience

Apply online 24 hours a day, seven days a week via desktop, mobile or tablet. Get the quick loan you need in minutes.

People you can trust — a firm you can rely on.

About us

We are an established UK credit broker, authorised and regulated by the Financial Conduct Authority.

We’ve got your back

When you apply with us, you can be sure that we'll always act responsibly and in your best interests.

We treat people right

As an Instant Lolly customer, we guarantee you'll be treated with respect and honesty at all times.

Get up to £3000 within an hour of approval

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Representative 1192% APR (variable)

Warning: 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. is operated by Amaze Media, a trading name of John O'Hara, 24 Buttercross Close, Burnley, BB11 5HB. Authorised and regulated by the Financial Conduct Authority, reference number 742221. Data Protection number Z3495700. Instant Lolly is a credit broker not a lender.

Subject to lenders approval. Time taken to transfer funds may vary depending on the lender and your bank. We do not work with all available lenders.