Payday Loans from £100 to £1,500

Get quotes in 2-minutes for the payday lenders who’ve pre-approved you

  • one simple form
  • over 32 lenders
  • instant quotes
  • all online
  • no obligation
  • free service
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Why get a payday loan here rather than going direct to a lender?

TIME ⏱

Within 3-minutes we’ll get you:

  • The lenders looking for customers
  • Loan quotes to compare
  • Loans you can get today*

MONEY 💷

  • The best payday loan deals
  • Cost you the same as going direct to the lender
  • Free service

* Our lender payday loans normally payout the same day of approval, though this time does vary from lender to lender.

> See Featured Payday Loan Deals <


  1.   No credit checks for quotes
  2.   One form to multiple lenders
  3.   No broker or application fees
  4.   Secure online application

Representative
99.8% APR

Representative example
  • If you borrow £500 over 52 months
  • At a Representative rate of 99.8% APR and an annual interest rate of 99.8% (fixed)
  • You would pay 52 monthly installments of £13.41
  • The total charge for credit will be £197.32
  • The total amount payable will be £679.32

Frequently Asked Questions


A short-term cash advance paid back at your next payday 💷

  • It is a small loan (typically less than £1,000) which is intended to tide you over for a few weeks up to you next payday.
  • There is one re-payment (which includes the capital and interest) where you pay the loan back in full, on the agreed date (typically on the day you get paid).
  • Interest rates are typically much higher than other types of loans as you only have the loan for a few weeks (c. 1,500% APR versus 49.9% for say a guarantor loan).
  • Due to the cost, this type of loan is designed for short-term emergencies only, so is not intended to be taken out regularly or be a solution to longer terms financial situations.

Payday loans from £100 to £1,500 – we have all the UK’s top payday lenders on our panel, so have loans from £100 to £1,500, some of which payout within one hour!

We also do

There is nothing wrong with going to a payday lender direct, but these are benefits of using allcreditloans.net:

  1. Speed – get multiple loan quotes online within 3-minutes which you can compare.
  2. Lowest rates – compare all quotes to get the best value loan at the lowest rates.
  3. Free – there is zero cost to using this website.

The cost of the loan to you will be exactly the same as if you went to the lender directly, we get paid by the lender if you take out a loan.

It can be within 1-hour

  • Some of our payday lenders payout within one-hour* of receiving a fully completed application.
  • Their business model is based on providing fast service, but you do need to make sure your application is fully, and accurately completed, or this could hold things up.

* Timescales do depend on the lenders, some work weekend and Bank Holidays, but not all, so you’ll need to check with your chose lender.

Our lenders specialise in helping people with a poor credit rating 👍

  • Bad credit history okay
  • Missed payments and CCJs okay

Unfortunately, our lenders do not accept people who are insolvent:

  • Undischarged bankrupt
  • In an IVA (Trust Deed in Scotland)
  • In a debt management plan (DMP)

If you have a poor credit rating, then fill out our 2-minute application form to get multiple loan quotes and options.

This does vary a little from lender to lender, though typically:

  • The loan re-payment must be affordable for you.
  • You will need some form of income.
  • A UK bank account and debit card.
  • Must be a UK resident.
  • Over the age of 18 and typically younger than 75.
  • A permanent UK address.
  • Must speak English, so the lender is happy that you understand your obligations (as all our lenders have responsible lending policies).
  • Most also require a UK mobile number and email address.

It is very important to honestly fill out the application form with accurate details such as your income and expenses, if you do not this could either hold up your application or be a reason for it being rejected at a later stage.

More Questions

A simple online 4-step process 👍

  1. Fill out our 2-minute online application form.
  2. Wait for 30-seconds while we contact all lenders to get loan quotes.
  3. Compare the loan quotes you’ve been shown.
  4. Apply for the loan that best suits your needs.

Normally no, it’s usually possible to do it all online 📱

This website, and most of our payday lenders, have a fully online process which is typically as below

  1. Complete our easy online form.
  2. Review the loan quotes we show you online.
  3. Click on your preferred loan and go to the lender’s website.
  4. With your chosen lender complete their online application form.
  5. They’ll then carry out their online credit checks.
  6. Normally correspondence will be then sent to you by email/text, so you’ll need a working email address and UK mobile number.
  7. Many lenders use e-signatures for the loan agreement, so you can sign the agreement electronically.
  8. The money will then be transferred directly to your bank account (so you’ll need a UK bank account).

So, with many lenders now you can do everything online without having to speak to anyone!

No 👍

This website (alcreditloans.net) and all our lenders do not charge upfront fees.

Yes 😀, we’re fully regulated in the UK by the Financial Conduct Authority (FCA)

  • Permission Reference number: 715726
  • All our lenders are fully FCA regulated too.

If you ever want to give yourself peace of mind, you can check the FCA Register here.

As these are just short-term loans, they should only really be used for emergencies, such as:

  • Unexpected delays in work payment
  • Unexpected bills
  • Unexpected breakdown (car, boiler etc.)
  • Unexpected expense

Payday loans should not be used regularly as they are an expensive type of loan, our lenders operate responsible lending policies, and typically will only allow 1 or 2 extensions/rollovers.

This type of loan should not be considered a regular credit option, or solution to longer-term financial problems.

If you are worried about money, go to the Money Advice Service, a free and impartial money advice service, set up by the UK Government

Sometimes this can be done once or twice

  • They may be able to extend/rollover the loan once or twice, though this will depend on you being able to afford to pay back the loan and any additional fees.
  • All our partners are ‘responsible lenders’, and will make sure you are not put into financial difficulties by extending the loan.

If you’re not sure whether or not you will be able to pay back the loan in full on your next payday, consider

  1. An installment loan, where the repayments are spread over typically 1-6 months.
  2. A doorstep loan where repayments can be made in cash weekly (spread over 13 to 52 weeks), and an agent collects the money from your home.
  3. A guarantor loan, where the rates are much lower (around 49.9%).

Even More Questions

Contact your lender immediately to discuss your situation 📞

All our lenders operate responsible lending policies, so will try to work with borrowers who are experiencing difficulties:

  • They may ask you to provide further information to them to assess your situation.
  • This is to make sure a sustainable repayment solution is created that is affordable for you.
  • Your lender may be able to extend your scheduled repayment date or freeze your balance depending on your personal circumstances.
  • The sooner you contact your lender, often the more that they can do to help you.

Note that missed payments will affect your credit file.

Yes 👍

If you’re not sure if a payday loan is the best option, we’ve plenty of alternatives for people with a bad credit score:

Installment loans – similar to a payday loan except repayments are over 2-6 months:

  • Fast to get (within an hour or so of submitting a completed application*).
  • Similar interest rates (typically around 1,200% Representative APR).
  • Similar loan amounts (£100 to £2,000).
  • Except the repayments are typically spread over 2-6 months.

Doorstep loans – cash brought tot your door and weekly repayments:

  • Cash brought to your door by the lender’s local representative.
  • A bank account often not required.
  • Affordable weekly cash repayments picked up by the lenders local representative.
  • Re-payments are typically spread over 13 to 52 weeks.
  • Cheaper interest rates (around 550% Representative APR).
  • Similar loan amounts (£100 to £1,000).

Guarantor loan – typically the lowest interest rates but require a guarantor:

  • Much lower interest rates (typically around 49.9%).
  • Larger loan amounts can be available** (from £500 up to £15,000).
  • Repayments can be affordable as they are spread over longer periods (12 months to 5 years).
  • A guarantor is required (someone with a regular income and clean credit history) to back your application, and make your re-payments is you every defaulted.
  • Guarantor loans can be a way of consolidating various short term loans into one simple lower monthly payment.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

* depending on the lender

** depending on your, and your guarantor’s status

Most of our lenders allow early repayment of your loan 👍

  • At zero additional cost.
  • Without early redemption fees.

Make sure you check this with your chosen lenders before taking out your loan.

Typically, by ‘Faster Payments’ directly into your bank account 💸

  • Our lenders typically use the Faster Payments system, as this can enable immediate money transfers.
  • Funds will be paid into your bank account*.

* You will have to have a UK bank account

Yes, but don’t worry 😉

You are credit checked to verify

  • Your identity.
  • You have a UK bank account.
  • You are not insolvent (bankrupt, IVA, or debt management plan).

If you have missed payments, defaults, or CCJ’s this is not a problem*

* Our lenders review each application individually, and whilst they may typically accept people with a damaged credit score, they also assess other things also, such as loan affordability, regular income, etc.

Yes, some of the impacts are as follows:

  • 👍 By getting a loan and paying it back, you are starting to build a history of paying your debts, which is positive.
  • 👎 Short-term loans however can be a ‘red flag’ for some lenders of larger loans (mortgages etc.) as they may consider a short-term loan as a reflection of poor money management (even if that is not the case).

When you apply for a loan, this will show on your credit file. This only becomes a problem when you apply for lots of loans at the same time, as this can be an indication that you are desperate, which some lenders do not like.

* Pay-out times from loan approval

Selected deals at varying loan terms and rates:

Cash ASAP Logo

Cash ASAP | Paid out: 15-mins* | Type: Payday + Instalment

  • £100 - £750 Borrow
  • 1 to 3 months Term
  • 1,297% Representative APR
  • 4.4 from ‎‎1,769 reviews
Cash Float Logo

Cash Float Loans | Paid out: 1-hour* | Type: Instalment

  • £500 - £1,000 Borrow
  • 3 to 6 months Term
  • 529.09% Representative APR
  • 4.8 from ‎‎621 reviews
Mr Lender Logo

Mr Lender | Paid out: 1-hour* | Type: Instalment

  • £200 - £1,000 Borrow
  • 3 to 6 months Term
  • 1,248.3% Representative APR
  • 4.7 from ‎‎7,298 reviews
Quid Market Logo

Quid Market | Paid out: 2-hours* | Type: Instalment

  • £300 to £1,500 Borrow
  • 3 to 6 months Term
  • 1,301% Representative APR
  • 4.2 from ‎‎576 reviews
Lending Stream Logo

Lending Stream | Paid out: 90-secs* | Type: Instalment

  • £200 - £1,500 Borrow
  • 2 to 6 months Term
  • 894.9% Representative APR
  • 4.5 from ‎‎16,227 reviews
Dot Dot Loans Logo

Dot Dot Loans | Paid out: 9am next day* | Type: Instalment

  • £200 - £1,000 Borrow
  • 3 to 9 months Term
  • 757.7% Representative APR
  • 4.6 from ‎‎673 reviews
Money Boat Logo

Money Boat Loans | Paid out: 90-secs*

  • £200 - £1,500 Borrow
  • 1 to 6 months | Type: Instalment
  • 939.5% Representative APR
  • 4.2 from ‎‎4,527 reviews
Cash4Unow Logo

CASH4UNOW Loans | Paid out: same day* | Type: Instalment

  • £150 - £1,000 Borrow
  • 4 to 6 months Term
  • 1,314% Representative APR
  • 4.2 from ‎‎811 reviews
Credit Spring Core Logo

Credit Spring | Paid out: up to 24-hours* | Type: Instalment

  • £500 Borrow
  • 12 months Term
  • 87.4% Representative APR
  • 4.9 from ‎‎509 reviews
Credit Spring Plus Logo

Credit Spring Plus | Paid out: same day* | Type: Instalment

  • £1,000 Borrow
  • 12 months Term
  • 38.6% Representative APR
  • 4.9 from ‎‎509 reviews


4 Simple Steps to a Loan

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1. Online Application

Only 3-minutes to fill out form and get multiple quotes

2. 27 x lenders

Our amazing system will check up to 27 lenders for you.

3. Loan Quotes

Immediately see online the loans you've been pre-approved for

4. Choose Loan

Simply choose the best loan for you and finish off the quick online application


  • one simple form
  • up to 27 lenders
  • instant quotes
  • all online
  • no obligation
  • free service
  • secure
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