Same day loans

Same day loans do exactly what they say the tin — apply online, receive an instant decision and get cash in your account the same day.

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Representative 669.35% APR (variable)
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At Instant Lolly, you can borrow same day payday loans from £100 to £3000, with repayment plans ranging from 1 to 24 months.

What are same day loans?

We can all be caught out by surprise bills or unplanned events. Ironically, unexpected costs are one of life's certainties, so if you're one of the one-in-three people that haven't got a “rainy day” fund to fall back on, a same day loan could be another option.

Same day loans can be used to cover living costs until your next payday or help pay for unexpected costs when you don't have savings or other ready credit available. Quick loans, such as these, are typically small in value (compared to traditional bank loans) and borrowed for a relatively short period. Payments are usually collected directly from your bank account on a monthly basis. What's more, your credit doesn't need to be perfect to apply for one.

One of the features of a same day loan is that it is completed entirely online, so there's no paperwork or phone calls required. And unlike when you apply for bank loans or credit cards, you won't have to wait days or weeks for your application to be reviewed — you'll receive an immediate lending decision, and if approved, funds will be sent to your bank within a matter of minutes. The Faster Payments service used by most major banks means that the money can be available for use within a couple of hours of the transfer being made.

When a same day loan could help

Same day loans can provide a temporary solution to short-term cashflow troubles if you just need a little emergency cash to bridge the gap until payday. For instance, if you need to make the rent, buy your weekly groceries or cover an unexpected bill.

Same day cash loans can also be used pay for larger one-off expenses such as a replacement washing machine or a set of new tyres for the car. By spreading the cost over a number of manageable instalments you won't leave yourself financially stricken, and same day cash in your bank means you can quickly get back to life as usual.

Can I get a same day loan with bad credit?

At Instant Lolly, we know that bad credit can hold you back from the loan you want. We can support you to get a loan whatever your credit rating.

We offer a wide range of same day bad credit loans from £100 to £3,000 with a variety of repayment lengths to suit you. Get a decision right away without the worry of waiting around, and if you're approved, you will usually get the funds sent within 15 minutes.

With over 50 direct lenders on hand, finding a loan might be easier than you thought.

What to consider before applying for a same day loan

Always make sure that a loan is right for you and you can comfortably afford to pay it back on time.

Check out example costs of 3 month loans, 6 month loans, 12 month loans and 24 month loans.

How do I apply for a same day loan today?

Instant Lolly is a quick and convenient way to get your hands on a same day loan. You can apply for loans today from £100 to £3000 over 1 to 24 months.

You need to be a UK resident 18+ to apply, with some form income of regular income you can use to repay the loan. Our service is completely free for customers with no hidden costs whatsoever.

Instant Lolly is an established UK credit broker, authorised by the Financial Conduct Authority and registered with the Information Commissioners Office. We also incorporate the latest security technology into our website, including a secure browser connection to help keep your information secure through the application process.

Need a loan today?Get up to £3,000 within 15 minutes of approval


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.