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Borrow from £50 to £25,000*

Complete our simple 60 second application form to get the loan you want today.



N Online Decision
Borrow Up To £995
N All Reputable Lenders
N 3-36 Month Repayment
Rates from 278% to 1576%



N Instant Decision
N Borrow Up To £25K
60 Second Application
N 3-36 Monthly Repayments
Rates from just 4.7% to 278%


Rates from 4.5% APRC to 65.2% APRC are available – the highest rate is for customers with severe credit problems. Loans available from 1-25 years
TYPICAL 10.9% APRC variable
Calls may be recorded for training purposes. The third party lender or broker may charge a fee of 0% up to 15% on your loan.

How Will My Application Work?

Secure Payout

Our secure technology platform will present your application to a panel of lenders, to help find the best loan, for your personal situation.

Paid Into Your Account

Once your application has been accepted by one of our lenders, you could receive payment within 24 hours.

Credit Problems*

Whether you have a bad credit history or simply no credit at all we are able to help. Apply today and let us help.

How Do I Apply?

Top Payday Loans in the UK: Finding the Best Loan Solutions

Despite the fact that loans and other loan services have been around for many decades, the demands for these services only continued to rise throughout the recent years. And as the number of borrowers continued to increase through the years, so did the number of those with unpaid debts. In an attempt to address these problems, traditional lending firms and institutions came up with a credit scoring system, designed and devised to work towards their agreed ends. With this credit scoring system in place, lending firms and institutions were easily able to classify borrowers according to their finances. Borrowers whom they perceived to be unlikely capable of paying off their debts were easily segregated form those whom the lending firms believed are likely capable of paying off their loans with little to no problem. Through this credit scoring system, individuals with income levels that do not meet what the lending firms and institutions have agreed upon as the required minimum were automatically given poor credit scores, while borrowers who, for any reason, may have missed out on their payments either frequently or repeatedly, found their records automatically reflect their bad payment histories. As a result, individuals with poor credit scores and bad payment histories were automatically precluded from securing any more loans from any of the standard lending firms. And while this credit scoring system proved to be of great help to the lending firms and institutions, it had effects that were extremely detrimental to the borrowers’ finances in the long term.

why choose top payday loans

Since borrowers with poor credit scores and bad payment histories were no longer allowed to secure any more loans from any of the legitimate lending firms, borrowers who find themselves in urgent and difficult financial circumstances were often left with very few, often unacceptable and impractical alternatives. Because borrowing from friends and members of the family as well as selling off personal properties to raise money were not always plausible nor were they easy, borrowers were often left no other option but to turn to illegal lenders offering underground loans. And while through this option, borrowers are provided the temporary financial relief that they desperately need, the long-term effects of these loan services to their finances often leave them in even worse financial circumstances. Because of the exceedingly high interest rates inherent to underground loan services, borrowers often find themselves in a cycle of difficult financial circumstances.

Getting Top Payday Loans for Bad Credit

As more and more borrowers with poor credit scores and bad payment histories found themselves in similar cycles of financial difficulties, a whole new market composed entirely of borrowers with bad credit was later on inevitably created. And as demands for more acceptable, more affordable, and much safer loan services continued to increase in this newly created market, lending firms and institutions eventually came up with innovative new loan solutions. Through innovative new loan services such as top payday loans for bad credit, borrowers now finally have more acceptable, more affordable, more flexible, and much more secure loan options especially in times of urgent financial situations. Unlike applications for most conventional loans that are being offered in many traditional lending firms and institutions, application procedures for innovative loan services like top payday loans for bad credit do not involve having to wait in long lines for long hours, just to submit loan applications — nor do they entail even longer waiting when it comes to approvals and release of funds for approved loans. With top payday loans for bad credit, borrowers need not have to submit impossibly hard to procure requirements, eliminating the need for borrowers with bad credit to settle with illegal loan alternatives.

How to Get Top Payday Loans and Instant Loans for Bad Credit

With innovative new loan services such as top payday loans for bad credit, borrowers now have faster, more convenient, and more secure loan options especially in times of difficult financial situations. Through these loan services, borrowers now have the convenience of being able to submit their loan applications right straight out the comfort of their own homes. Because applications for top payday loans and instant loans can now be completed online, borrowers now have the convenience of being able to submit their applications from anywhere they are, and at anytime they want. And since everything can now be completed entirely over the internet, borrowers may now expect for their loan applications to be processed the moment that they are submitted. Approvals for these applications, meanwhile, can now be expected in as little as just minutes after they were processed. The release of funds for approved top payday loans, on the other hand, can now finally be completed even on the very same day that the applications have been submitted. Due to this highly useful and extremely convenient features of top payday loans and instant loans for bad credit, these loan services actually make great alternatives in times of urgent financial crises. But because top payday loans and instant loans are typically small loans that borrowers can pay over short payment term conditions, these loan options do not make good resolutions in addressing more complicated financial situations. In situations that require loans in higher amounts and longer payment terms, borrowers are always best off taking secured loan solutions, which are easily payable over long term payment conditions.

Getting Top Payday Loans from Direct Lenders

For many borrowers, a common misbelief is that since taking loans from the lenders directly does not involve having to pay for loan brokers’ fees, it only follows that this option provides more benefits. What many borrowers do not seem to know, however, is that because loan brokers have connections to different lenders in different areas, it only follows that they also have access to all the discounts and promotions being offered by these lenders on their different lending services. Consequently, borrowers who choose to avail of loans through the assistance of loan brokers actually enjoy much more benefits and savings in the long term.

why choose top payday loans

*Subject to lender approval and requirements.

Complaint Procedure 

What Happens If I lie On My Application?

This has happened before and for obvious reasons this isn’t good practise and will never end up in you getting the loan you want. Please be aware by lying you will only be wasting your time and that of the lenders as they have control measures in place to stop such a thing and will always check your application to the best of their ability.

Lying on your declaration and receiving money from the lender, can be and will be, classed as fraud. The relevant legal proceedings will then be taken to recoup the funds.

5 most recent personal loan reviews

Review of Payday Express

Was asked to be a guarantor, filled in application online - was very quick and easy. I had phone call to confirm job done loan transferred immediately into bank and customer service was excellent, would use again if needed.

Review posted by Susan Wilson, Banbury

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

Review of 1st Stop Loans

I still cannot believe how quick the process was & how fast the pay out was! The customer service I received was second to none & couldn't have been treated any better or honestly than I indeed was!

Review posted by Mattew Hayre, Stock-on-Trent

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

Review of Progressive Money

I would recommend this company if your struggling to get a loan, definitely if your unemployed, really pleasant and helpful. Will apply here in the future if I ever need another loan.

Review posted by Angela Jones, Chatteris

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

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