Same day loans

If you need to get access to cash in an emergency, same day loans may prove to be an ideal solution.

Why might you need a same day loan?

Life can occasionally throw sideswipes at us

A good example is the unexpected bill. Something you couldn’t possibly have predicted arrives in front of you and you’ve got to find the money to deal with it — now!

It’s also not always bad news. Perhaps you’ve been looking out for ages for something and you’ve finally found it at a bargain price but unfortunately, it’s just not going to wait until you next get paid. You have to act immediately or you’ll lose it.

In all these situations and many others like them, you might benefit from using same day loans or other types of quick loans. The good news is that with a few basic steps online, the money you need could be in your bank account within a few hours or even minutes of this 24/7 operation!

Get £100 to £3,000 paid out by 7:38 pm

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(It won't affect your credit score)
Representative 669.35% APR (variable)
View example
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Why do same day loans exist?

The answer is simple — to deal with exactly the situations mentioned above!

In the past, applying for a loan usually involved filling in lots of forms, then being quizzed in-depth during a meeting. If you were lucky, several days or even weeks later, you might have got an answer.

Those approaches simply do not work for the 21st century and our e-society. That’s why same day loans exist — to put money into your bank account very quickly when you need it.

What's more, you will be able to use the cash for any purpose you require.

How they work

If you find you need cash fast, all you have to do is enter some very basic information about yourself to get the online application process started.

This is very straightforward, normally outlining where you live, what your income position is, how much you need to borrow and over what period of time you would like to repay it (plus associated interest charges). You’re not asked for your entire life history or to go into great depth about your overall position.

Typically, when applying for same day loans online, you will get a very fast and possibly even near-instant response. If that results in approval, the money might be in your account within as little as 15 or 20 minutes. Note though, that assumes your own bank is able to process the credit that quickly.

If you have seen mention of same day payday loans, today they are generally the same thing. At one time a payday loan meant that the entire sum needed to be repaid on your next payday but that has now been largely superseded by more modern approaches for repayment.

Borrowing limits

The amounts available are usually somewhere in the range of £100 to £3,000. Exactly how much you may be able to borrow will depend upon your overall income position.

You can repay that amount over a period of anywhere between just a few weeks and up to two years.

Worried about bad credit?

Rest assured that the potential same day loan lenders will have seen every possible variation on bad credit histories. They won’t be shocked by anything on your files.

More importantly, there are providers out there specialising in same day loans for bad credit, so you may well find that you’ll be eligible for same day loans whether you are unemployed, on benefits or have credit history glitches.

'More haste, less speed'

Same day loan direct lenders want to help and to say “yes” to your application rather than “no”.

However, it’s worth keeping in mind that UK same day loan providers often use automated systems to help speed up the decision process. It is crucial, therefore, that you are honest and as accurate as possible when filling out your application, because giving the wrong information could result in an automatic decline.

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 our same day loans

Are you looking for same day loans today 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 ideal loan amount and repayment term for your needs. We offer 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

Simply fill out our short form and we'll ensure your application reaches all the right lenders for the best chance of approval.

Fast funding — loans with quick decisions and speedy money transfers.

Fast funding

We'll give you a decision in seconds, and you could get money sent to your bank as soon as 15 minutes after approval.

Online convenience — access the best UK direct lenders in one place.

Online convenience

Apply securely online 24 hours a day, seven days a week — via mobile, desktop or tablet. Oh, and it's totally FREE too!

How can Instant Lolly help?

We are specialists in same day cash loans. Our role is very simple, although it requires considerable experience.

We aim to look at your application and circumstances, then make sure it reaches the same day loan providers who are likely to be sympathetic. Different lenders may see things differently in terms of a given application and we want to make sure you don’t waste your time in applying to organisations who are unlikely to respond positively.

Why not let us help you with that emergency cash injection by connecting you with the appropriate lender?

We’re looking forward to helping you!

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 for a quick loan? 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).

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.