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Quick Payday Loans UK direct lenders: Understanding the Basics

Payday loans are ideal solutions to problems that require urgent financing like unforeseen bills that are due in the coming days and car damages that need immediate fixing. If you want to make quick payday loans direct lenders in the UK and enjoy exclusive benefits that come along with it, you need to understand the basics first. You need to have a better grasp on what quick payday loans direct lenders are, why they are popular options in the UK, and how you can apply for them, and this article will help you with it.
Broker vs Direct Lender
While it may be difficult to distinguish a direct lender from a broker at first glance, what separates each one from the other lies in the manner in which they operate. Brokers simply gather your information and send them over to their network of lenders. The lenders will go over your application and find out if they can provide your needs. Without a broker, however, you can still apply directly to a legit lender who will cater your application starting from setting up your account up until depositing the money in your bank account.
Payday Loan Direct Lender
So what is a payday loan direct lender? A payday loan direct lender is basically a company who has the legal and financial means to provide loans to its customers without relying on a mediator (i.e. the direct lender gives the loan to the borrower and the borrower makes all the necessary payments directly to that lender). Some lenders rely on lead providers and brokers to transact their services but when it comes to direct lenders, however, the transaction is purely a two-way process between their customers, which most often, fosters a greater degree of trust and cooperation between lenders and borrowers.
Finding the Right Direct Payday Lenders in the UK
So how can you guarantee that you are dealing with the right direct payday lender? By doing a little research, it will be easier for you to filter out the bad ones from the good. Try to discover the lender’s track record when it comes to dealing with its customers. Are they receiving a ton of positive feedbacks or is a mob of angry and discontented customer group writing numerous bad reviews on them? By simply looking at the history of a lender through customer review sites and testimonials, you will have a clear picture of whether or not it is the right lender for you.
The lender that you choose must possess a solid track record and must constantly discover new ways to ensure that customer service and satisfaction is at the optimum. It should also provide easy and convenient application procedures to applicants and provide money as fast as possible so customers can address their urgent financing needs.
What are payday loans
Payday loans are small, short-term, unsecured loans designed to help common people deal with emergency finances. You can borrow from £100 up to a few thousand pounds that typically needs to be paid back in your next salary. And because they are unsecured, no collateral is needed making them an appealing option for many borrowers especially those who are simply looking for a quick loan. While they are very easy to avail, it is important to remember that these loans generally come with higher costs and a careful consideration of your finances should be made first before availing for them.
Getting a direct lender payday loan
The most important thing to keep in mind when getting a payday loan from a direct lender is to always undergo a careful evaluation of your present circumstances first to guide you in every decision that you make. Ask yourself, do I need a loan ASAP or is it alright to wait? How much do I need to address my problem? Once you have answered these questions it will be easy for you to find the ideal lender since you already know what you are looking for in your loan. Once you have found a lender that offers the kind of service that suits your needs and present circumstances, try to discover its customer service next. Dealing with a lender that puts great importance in its costumer’s needs and interests, is crucial in building trust and maintaining a healthy business relationship.
Always remember that it is always better to deal with a direct lender than relying on a broker when it comes to availing for a quick payday loan. It is also important to find the right direct lender that would provide you with the kind of service that suits your present circumstances and keeps your interest at heart.

The Lenders List

Loan amount
£100 - £5,000
Loan term
3 - 12 Months
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Loan amount
£100 - £3,600
Loan term
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You will need to be over 18 and a UK resident with a valid UK address.

You must also have a monthly income (from benefits or a job) and a UK bank account.

5 most recent personal loan reviews

Review of Wage Day Advance

After being turned down everywhere for a loan even know I had more than enough coming in my bank to repay I was being turned down. Then my last hope was Wage Day Advance. They don't judge by previous mistakes in life they were simply looking for a promise of payment which I said I can do. I used a close and helpful friend to cover my back and we had the money In my bank account within 2 hours! Guys if your like me and seriously need that debt consolidation then these guys will help you out! Highly recommend! Best company by far.

Review posted by Benn Stokes, Peterborough

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Compare The Market

Fantastic service from compare the market! Application was quick and easy. The website is very straight forward and the staff are very friendly, polite and helpful.

Review posted by Jade Woodward, York

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of UK Fast Loan

The process was very quick and customer service I received was 10/10, rate and interest are not ridiculously high and I was able to pay off all the debts and clear them, I would definitely recommend them to anyone!

Review posted by Hannah Wright, Swindon

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews have been sourced from Trust Pilot to ensure an entirely nonbiased basis of accounts.

Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

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