Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk


Get Up to £5,000!*

Providing fast and affordable short term loans and instant payday loans to the UK…


The application form is completed from start to finish online, it couldn’t be easier than it is today. Start your application now.


The decision of the loan application is made quickly and you could have money in your account in just 15 mins.


Once completed the funds are paid directly and securely into your designated account, you don’t have to go to the bank.

Quick Payday Loans Online

Payday Loans Direct Lender Benefits
You have already out to your family and friends and exhausted all possible means to come up with the money that you need to cover a sudden, unexpected expense but still, you end up short. Then you decide to give online lenders a shot. You do a search on Google for quick payday loans online and you gain access to an endless list of loan direct lenders and brokers, although sometimes it just not easy to determine which is which.
Direct Payday Loans: The Better Option
But which option is better? Taking a payday loan from a direct lender or a Broker? More often than not, applying for a direct payday loan is much better than doing so with a broker because:
1. You are relieved from the additional fees that come with the services of a broker for finding you an ideal loan
2. You have the power to choose the lender that you feel is right for you
3. Your credit record won’t be searched – some brokers do this to their clients.
How to Exactly When You’re Dealing with A Broker
When you are stripped of cash, you want to avoid incurring excess fees as much as possible that is why identifying a broker from a direct lender is important if you don’t want unsolicited fees taken from your account by a broker. Know exactly if you’re dealing with a broker by looking at these key points:
• Asks for Upfront Fees – Direct lenders will never ask for an upfront fee for a simple loan application. Brokers make their money by forwarding your application to a lender or a number of lenders. Other brokers will ask for upfront fees to further increase their profit.

• Promises 100 percent, guaranteed approval – There is no such thing as a 100 percent guarantee when it comes to applying for a loan and rarely do you seen lenders relay such a false promise. Brokers, meanwhile, use this tactic to lure in applicants and make money through commissions. He sends an application to so many lenders that he will eventually end up finding one that will take it.

• Has a panel of lenders – If a website displays a panel of members then it is a broker.
While brokers are legally obliged to provide a print that says it is a broker in its website, many of them will make an effort to hide the badge away by putting it in less visible places, like in the bottom most area of the site.
Direct Lenders Send Money Directly
Direct lenders are also the ones that directly send your money into your account. In your application for a payday loan, they will let you fill up necessary details on their own site, will correspond to you directly, and will also conduct the repayment collections themselves. Brokers use a different process. They will let you fill out essential details on their own website and then send them to a possible lender with a matching fee that will be either be paid by you, or the lender.
And when that certain lender rejects the application he will then send it to the next lender, or much worse, forward it to a group of lenders leaving you with a barrage of phone calls, emails and text messages from different companies pitching their loan services. If you don’t want such inconveniences in your life, then do your best in identifying brokers and avoiding them.
Finding the best direct payday loan deal
To find the most ideal deal without relying on the services of a broker, you need to do some “window shopping” of your own. Make a search on all the direct lenders you can find online and take your time in going through each of them. Study their offers and compare all the total cost of paying back the amount you want to borrow. You can make an effective comparison by checking:
• The Amount You can Avail For – The amount could be as little as £50 or as much as £2,500, depending on the lender.

• The Interest Rate Charged – Most payday loans come with a hefty 1,000% APR and there are others that charge even more depending on the applicant’s personal circumstances.
Now you know why it is better to deal with lenders directly and the benefits you enjoy when you refrain from using a broker when availing for a payday loan online. Identifying brokers from direct lenders is crucial if you want to experience a genuine direct loan deal. This article has just thought you how.

The Lenders List

Loan amount
£100 - £5,000
Loan term
3 - 12 Months
Apply Now

Show More ▼

Loan amount
£100 - £3,600
Loan term
3 - 12 Months
Apply Now

Show More ▼

Get Matched with a Qualified Lender Today!

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)

Please note:
Loanora is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances