Top 22 Payday Loans Direct Lender UK

Your short-term loan for the money you need will be provided by payday loans direct lenders UK. They supervise every stage of the lending process, from loan funding to borrower approval to loan repayment.

When a borrower takes out a payday loan, the phrase “payday” refers to the situation where they write the lender a postdated check for their payday wage and they then give them some cash in exchange. In everyday speech, however, the idea also holds true whether or not loan repayment is contingent on a borrower’s paycheck.

The loans are also known as “cash advances,” but the term can also refer to funds given in exchange for a pre-established line of credit, such as a credit card.

Top 22 Payday Loans Direct Lender UK
Top 22 Payday Loans Direct Lender UK

How To Get Payday Loans From Direct Lenders In The UK

Payday loans direct lenders UK laws vary significantly compared to other nations, and under federal systems, between various states or provinces.

The fundamental loan procedure entails a lender giving a borrower a brief, unsecured loan that must be paid back on their subsequent payday.

Most payday loans direct lender UK need some proof of work or income (pay stubs and bank records), while one source claims that others do not verify income or perform credit checks. Franchises and individual businesses each have their own underwriting standards.

In the conventional retail model, borrowers go to a business that offers payday loans to obtain a short cash advance, with full repayment due when they receive their next salary.

The borrower sends the lender a postdated check for the total loan amount plus costs. The borrower shall return to the store to personally repay the loan on the maturity date. The lender may redeem the check if the borrower does not return the amount in full in person.

We’ll Guide You Through All You Need To Know And Get You Ready For Your Loan, Here’s A List Based On Great Reviews And Ratings:

  1. IC Loans
  2. Ferratum
  3. Mr Lender
  4. Credit Spring
  5. First Class Loans
  6. Heart Paydays
  7. New Horizon
  8. Vivapayday Loans
  9. Sunny
  10. Lending Stream
  11. Piggy Bank
  12. Loan Pig
  13. Scot Cash
  14. Oyster Loan
  15. Cashasap
  16. Swift Money
  17. Cash Lady
  18. Verry Merry Loans
  19. Flexi pay
  20. Money Lenders Squad
  21. Cash4unow
  22. Peachy

1. IC Loans

Payday loans direct lender UK
Top 22 Payday Loans Direct Lender UK

They were founded in 2003 and known for offering Payday Loans direct lenders UK. All consumers receive quick, welcoming, and personalized service from them.

With every new consumer, they hope to develop a strong, enduring relationship. When you need extra money, their knowledgeable team will assist you in locating a loan that is inexpensive and works with your spending plan. With same-day service and cash loans for any purpose, you might have extra money right now. Up to £3000 in loans.

2. Ferratum

Payday loans direct lender UK
Top 22 Payday Loans Direct Lender UK

Ferratum is a direct lender that offers what they refer to as “microloans,” short-term Payday loans direct lenders UK. They were established in 2005 and have their main office in Helsinki, Finland. Since that time, ferratum has grown to operate in 25 different nations throughout the world.

They market themselves as a trustworthy lender who uses technology to make the short-term loan application process easier. They have a branch in UK are listed among top notch payday loans direct lenders UK

To Apply For Ferratum Loan, click here

3. Mr Lender

Payday loans direct lender UK
Top 22 Payday Loans Direct Lender UK

Loan provider Mr. Lender operates as PDL Finance Limited. They started in 2008 and have their headquarters in London.

Mr. Lender offers bad-credit and Payday Loans direct lender UK ranging from £200 to $1,000 with a maximum 6-month repayment schedule.

You must be a resident of the UK and have your application for the loan accepted. Let’s dissect it…

In the best-case scenario, the loan’s APR might be 1,242.3 percent. The APR could increase to 1,4623 percent depending on your particular situation.

To Apply For Mr Lender Loan, click here

4. Credit Spring

Payday loans direct lender UK
Top 22 Payday Loans Direct Lender UK

Credit spring are known for their services in offering payday loans direct lenders UK To ensure that you get what you’re seeking for, repayments are simple and clearly outlined. On-demand loans give you peace of mind when you don’t need them and an affordable financial boost when you do.

Being a member of Creditspring will help you avoid impulsive and costly borrowing. Creditspring can help you maintain control of your finances.

It’s crucial to have financial objectives, especially if you want to increase your stability. Creditspring provides a variety of solutions to help you achieve those objectives because of this. This features The Stability Score, a resource available only to Creditspring subscribers.

To Apply For Credit Spring Loan, click here

5. First Class Loans

Payday loans direct lender UK
Top 22 Payday Loans Direct Lender UK

First Class Credit Union provide their members with competitively priced Payday loans direct lender UK that are affordable. They take pride in receiving the 5* Fairbanking Mark.

You can borrow money from them for any purpose, like traveling on vacation, purchasing a new automobile, celebrating Christmas, or consolidating your debt.

Members may apply for loans ranging from £100 to £20,000. The Loans Team will evaluate each application after it has been received at the office.

To Apply For 1st class Loan, click here

6. Heart Paydays

Payday loans direct lender UK
Top 22 Payday Loans Direct Lender UK

If you are currently in a strong financial position, borrowers with low FICO ratings or no credit history can still apply from the best online payday loans direct lender UK for through the Heart Paydays platform and have a possibility of receiving the money they require in a few minutes.

With the use of this loan matching tool, borrowers are made connections with only the no denial payday loans direct lenders who are most likely to regard their financial situation favorably.

Loan sizes range from $100 to $5,000, with APRs ranging from 5.99 to 35.99 percent. almost immediately ask for input within two minutes with Flexible terms for repayment.

To Apply For Heart Payday Loan, click here

7. New Horizon

Payday loans direct lender UK
Payday loans direct lender UK

New Horizon loans are simply a type of instant loan that gives you the money you need very quickly. These short-term payday loans direct lender UK are small in size and have quick repayment terms, are intended to assist borrowers in unforeseen circumstances like the urgent need for auto repairs.

Since they are comparable to other short-term loan kinds, like payday and instant cash loans, they are frequently simple to customize to your own needs. because they were developed for those who unexpectedly find themselves in need of money. They offer loans from £50 to £5,000

To Apply For New Horizon Loan, click here

8. Vivapayday Loans

Payday loans direct lender UK
Payday loans direct lender UK

With Viva Payday Loans, you can have access to payday loans direct lender UK who offer the best payday loans online in the shortest amount of time. This company is renowned for its quick turnaround times.

You must meet the aforementioned loan requirements and be approved for the loan after passing the affordability tests. Within an hour of the loan being granted, the borrower receives the funds.

Depending on the lender, interest rates range from 5.99 to 35.99 percent. The Maximum loan amounts: $5,000 within 60 minutes of loan approval, prompt payments.

To Apply For Vivapayday Loan, click here

9. Sunny

Payday loans direct lender UK
Payday loans direct lender UK
Sunny position themselves as a supplier of quick and flexible payday loans direct lender UK, offering short-term loans to clients while placing a strong emphasis on offering a fair service.
Upward Finance Limited, an introducer appointed representative of Flux Funding Limited, a credit broker rather than a lender, is the company behind Sunny Loans. Sunny Loans is their registered trading name. Loan lengths range from three to six years.
Sunny is one of the most recognizable short-term loan companies in the UK, having been in business there since 2004. Sunny allows borrowers to apply for loans with amounts ranging from £100 to £2,000.

10. Lending Stream

Payday loans direct lender UK
Payday loans direct lender UK

Since 2008, Lending Stream, a financial company of short-term payday loans direct lender UK has offered online borrowing options to UK customers. They operate under the GAIN Credit LLC brand and offer credit solutions under the Drafty trademark.

Loan requests from new consumers can range from £50 to £800, while those from returning customers can reach a maximum of £1,500. The degree to which prior loans were responsibly handled will be a major factor in approval.

To Apply For Lending Stream Loan, click here

11. Piggy Bank

Payday loans direct lender UK
Payday loans direct lender UK

PiggyBank offers quick, adaptable payday and installment loans for borrowers with bad credit, with terms as short as 7 days and as long as 5 months. If you choose to spread out the payments over a period of two months or longer, you would then make monthly payments, with each payment covering a portion of the capital (the initial amount borrowed) and the interest that has already accrued.

The PiggyBank was told to stop offering loans in the middle of 2019 by the Financial Conduct Authority (FCA), which had concerns about how thoroughly the lender had examined borrowers’ ability to repay. Following an investigation, PiggyBank was given permission to resume lending.

To Apply For Piggy Bank Loan, click here

12. Loan Pig

Payday loans direct lender UK
Payday loans direct lender UK

When it comes to short-term payday loans direct lender UK. LoanPig serves as both a credit broker and a direct lender for borrowers who require assistance managing an unanticipated financial emergency.

Application procedures are short and simple. Enter your personal information, income information, and costs, and we’ll try our best to connect you with a lender for a short-term or payday loan.

Customers can borrow between £50 and £1,500 for a term of 1 to 12 months with an advertised APR of 1261 percent (a daily interest rate of 0.80 percent).

To Apply For Loan Pig, click here

13. Scot Cash

Payday loans direct lender UK
Payday loans direct lender UK

A brand-new Community Interest Company by the name of Scotcash was established in October 2006 to provide a way out for those experiencing financial troubles and offers payday loans direct lender UK

Glasgow Housing Association, Glasgow City Council, the Royal Bank of Scotland, the Scottish Government, and Communities Scotland (a now-defunct government organization) all contributed financing and support to the formation of the CIC.

Scotcash has offered 1,500 borrowers loans with average interest rates of 20% to 25% in just 18 months.

To Apply For Scot Cash Loan, click here

14. Oyster Loan

Payday loans direct lender UK
Payday loans direct lender UK

A UK-based loan broker named Oyster Loan assists customers in finding offers on unsecured personal loans with short terms from licensed lenders. They offer payday loans direct lender UK and they are here to lend you a helping hand while you look for the best lender to give you the money you need to handle your financial problems.

Lets take for instance a 36-month, $2,600.00 approved loan amount. Interest rate is 41 percent a year (fixed). an APR of 49.7%. Total amount due is £4,557.89, of which interest is £1,957.89. 35 installments totaling £126.61 each will be due, with the last one being £126.54.

To Apply For Oyster Loan, click here

15. Cashasap

Payday loans direct lender UK
Payday loans direct lender UK

With their online service, you can apply for a loan across a variety of timeframes, allowing you freedom over the amount of your repayments and letting you choose the option that best suits your needs. They provide two different credit products: payday loans and long term loans

First-time users seeking payday loans for direct lender UK are only eligible for a £400 loan. Depending on successful repayments and continuous eligibility for a cashasap.co.uk loan, this ceiling may increase to £750. You can apply for a payday loan with a maximum term of 35 days or a loan with a maximum term of 6 months.

To Apply For Cashasap Loan, click here

16. Swift Money

Payday loans direct lender UK
Payday loans direct lender UK

Fast short-term loans are available from Swift Money, a growing payday lending broker, however due to the service’s high interest rate, it should only be used as a last choice. Warning: Making late payments could put you in significant financial trouble.

With one of the fastest and most effective loan processing methods available, Swift Money is able to offer exceptionally high approval rates to individuals seeking payday loans direct  lender UK of up to £3000. You can have the loan amount placed into your bank account in as little as 10 minutes after receiving approval from one of our lenders.

To Apply For Swift Money Loan, click here

17. Cash Lady

Payday loans direct lender UK
Payday loans direct lender UK

If you submit your loan application through cashlady.com, you should hear back in within two minutes. The time it takes for your money to be transferred to your account can vary and is dependent on the policies and procedures of your bank.

If approved, the money can frequently arrive in your account in minutes. Cash lady offers financial assistance to individuals seeking payday loans direct lender UK ranging from €1200

The first step in applying for a loan with CashLady is to accurately fill out the online application form. The remaining difficult job will subsequently be done for you by them. Even people with bad credit can get loans from Cash Lady in the UK.

To Apply For Cash Lady Loan, click here

18. Verry Merry Loans

Payday loans direct lender UK
Payday loans direct lender UK

The best online payday loans direct lender UK are offered by Very Merry Loans network if you don’t require a sizable loan. Small loan amounts and typical APR ranges from 7.99 percent to 40.99 percent, you can go for verry merry loans

Furthermore, Very Merry Loans platform are renowned for making payouts the same day as loan approvals, providing borrowers with access to what appears to be fast cash.

You may easily apply for some of the best payday loans online from Very Merry Loans platform if you meet the general loan requirements outlined on the website.

It provides same-day payments, flexible lending periods, a quick online application that takes five minutes, and a cap on loan amounts of $2,000

To Apply For Verry Merry Loan, click here

19. FlexiPay

Payday loans direct lender UK
Payday loans direct lender UK

You simply need to submit one application for FlexiPay to receive a line of credit ranging from £2,000 to £50,000 for no payday loans direct lender UK, which you may use for a variety of things, including paying suppliers, paying bills, spreading out quarterly expenses, purchasing equipment, and more.

Simply enter the information from the online portal when you have a bill or an invoice to pay, and they will make a safe payment in your name. Your provider won’t know the difference, and you can repay over the predetermined period for a flat 3 percent cost.

To Apply For Flexi pay Loan, click here

20. Money Lenders Squad

Payday loans direct lender UK
Payday loans direct lender UK

Borrowers can contact Money lenders directly without the normal hassle of conventional financial institutions. Through a single application, their loan discovery tool helps clients apply from the best payday loan direct lender UK.

The application process is straightforward; after applicants enter their information and select the loan amount and repayment term, the best payday loans online appear in a matter of minutes.

It offers $255 payday loans and online same-day deposit Loan amounts up to $5,000 through lenders on the Money Lender Squad portal. Online payday loans range from $100 to 5000 with APRs of 5.99 percent to 35.99 percent and 2-24 months to pay them back.

To Apply For Money Lenders Squad Loan, click here

21. Cash4unow

Payday loans direct lender UK
Payday loans direct lender UK

Cash4unow is an independent Installment Payday Loan direct lender UK business with headquarters in Leeds, Cash4unow was established in 2011.

They aspire to advance the short-term lending industry with their adaptable and responsible lending practices since they feel that individuals should have more options to help them manage their budget. Cash4unow is a trusted finance organization with customers all over England giving positive reviews and ratings

In the high-cost short-term lending sector, Cash4unow offers an APR that is fairly pricey. You can get a loan of up to £500 for a start, a good repayments record will keep you moving fine.

To Apply For Cash4unow Loan, click here

22. Peachy

Payday loans direct lender UK
Payday loans direct lender UK

Peachy is a short-term and installment provider for who require a sudden need for cash, either between paychecks or to handle an emergency.

New users may apply for loans with amounts ranging from £100 to £1,000. If your application is accepted, you can choose to repay over a period of one to twelve months.

ALSO READ: Top 10 Best Same Day Payday Loans Online No Credit Check 2022

Repayment must be made on schedule. Non-payment may result in a default fee or increased interest, which could after you later on. We advise getting in touch with the loan agency right away and informing them if you are unable to make your payments on time.

To Apply For Peachy Loan, click here

Frequently Asked Questions About Payday Loans Direct Lender UK You Might Find Helpful

Is payday UK a direct lender?

You can choose a repayment term starting from 3 months and going up to 36 months with Payday UK’s access to loans from payday loan direct lenders for amounts ranging from £50 to £5,000. Customers that borrow a little sum of money frequently opt for the shorter repayment terms.

Do payday loans still exist UK?

The government is presently considering new legislation to cap the costs of such loans, but there are currently no restrictions on the interest rates payday lending companies can charge or on rolling over loans.

Who are the best payday direct lenders UK?

From recent top notch reviews, ratings from customers satisfaction, we’ve Viva Loan found to be the best in offering payday loans are the moment.

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