Payday Loans

No Fees, High Approval Rate, Search Now

We Can Provide a Loan From £100 – £5,000*

Quickly Search Multiple Lenders

No Impact on Your Credit Score

Open 24 Hours, 7 Days a Week

Safe & Secure Online Technology

Representative APR: 49.9% | Representative Example: Loan Amount: £1,000 over 12 months at £107.53 per month. Total Repayment: £1,290.36 | Interest: £290.36. Interest rate: 49.9% p.a. Fixed*.

LoanBird are a licenced credit broker, not a lender. does not provide loans or consumer credit products directly.

How It Works

Step 1 - Application

Firstly, select the loan amount you want and how long you need to borrow it for.

Step 2 - Decision

Once you’ve submitted all your information, you will receive a fast decision.
We’ll show you your options from our panel of direct lenders. Just choose the deal that suits you!

Step 3 - Cash

Finally, once you have accepted the loan, the lender will send the cash straight to your bank account. Most customers receive the cash on the same day, within 10 minutes.

We Offer a Number of Different Types of Loans Including:

Payday Loans

Short Term Loans

Bad Credit Loans

LoanBird – the Loan Brokers for Bad Credit at your service!

Get an Immediate Decision and Find the Best Payday Loan UK for You

Save time and get the loan you need.

You’re Safe with LoanBird

  • Fully FCA authorised loan broker in the UK
  • Reputable UK lenders
  • Service is free
  • You’re in control throughout the process
  • No pressure sales tactics
  • Your information is secure
  • Secure website
  • No cold calling
  • Best APR & Interest rates
  • No obligation offers
  • Terms are displayed before you accept

Application > Decision > Cash

If you’re not sure where to turn when it comes to finding the right payday loan online for you, then look to LoanBird. We can help to match you to the most appropriate direct lender for your requirements based on the information you provide us with the application form. We can help to match you in minutes!

Service satisfaction is a huge part of LoanBird’s day to day work ethic. We ensure our website delivers an express service for each customer whether they’re looking for payday loans, loans for bad credit, or short term loans. One of our main aims is to always try to provide you with an immediate decision, even if you are unsuccessful. Our loan providers welcome all credit histories so we will help to get you the right match for you today.

What Are Payday Loans?

Payday loans are unsecured loan types which are suitable for use in a financial emergency. They are designed to be used for unexpected and unavoidable payment such as emergency bills, car repairs that are higher than usual and other similar scenarios. A traditional payday loan company will require the loan to be repaid in full, along with interest, fees and charges by the next payday.

However, many payday loan lenders in the UK are far more flexible and incorporate longer loan terms and higher loan amounts. At LoanBird we have access to an extensive panel of FCA-approved lenders to save you from doing the hard work.

Through our application form, if you’re successful, you can borrow funds from lenders between 1 month to 36 months, giving you the opportunity to choose a payment plan that works best for you, giving you true flexibility.

a woman smiling as she searches payday loans on her mobile

Why Search For A Payday Loan With LoanBird?

There are a number of benefits to borrowing quick cash loans from a payday loans lender online. You can get access to the funds you need, when you need it, and with LoanBird you can feel safe and secure with our application process. We offer a fair service to all customers:

  • Loans from £100-£5000* available.
  • No impact on your credit score
  • Extensive panel of FCA-regulated lenders
  • Available to customers 18 and over
  • No hidden fees or charges
  • No guarantor or collateral required
  • Decisions made quickly
  • Available 24/7, 7 days a week

Some of the benefits of applying for payday loans with LoanBird include:

Soft Search

Many payday loan lenders may be adverse to a less than perfect credit score – but you won’t know until the hard search credit check has been completed which will ultimately leave a footprint on your credit file, for a minimum of two years. Applying with multiple lenders across the web could harm your credit rating even further if there are multiple hard searches left with rejected applications.

Here at LoanBird, we pride ourselves on only conducting a soft search. As we work with a greater number of lenders than many payday loans companies, you have a greater chance of finding the right payday loan lender for you with just one simple application. Once we’ve matched to the right choice, the direct payday loan lender will then need to run a hard search credit check to provide final approval.

Be aware of any lenders which offer no credit check loans as it is likely that they are not a legitimate company and are not abiding by FCA regulations. Credit checks are carried out to protect borrowers from taking on more debt than they can manage.

All Credit Considered

Our advanced networking tool provides access to lenders who assess based on affordability, offering payday loans from direct lenders to suit all circumstances. We are frequently able to help those with poor credit get approved; simply apply today to find out if we can help you too. Each company on our lending panel is a fully authorised and regulated lender, and they will make their own judgements which it comes to providing funds based on your affordability.

No Hidden Fees

At LoanBird, we are a fully licensed, FCA-compliant payday loan broker, with a completely free service meaning there are no brokerage fees or hidden charges at any point of the quote or application process. We understand that many individuals who apply for payday loans online or who are looking for a payday loan direct lender are facing a financial emergency. We don’t want to add to that and therefore offer a service that is completely free at every stage of the process – we simply want to help!

Completely Secure

We take your privacy and security very seriously. We never pass your details on to a third party except where you give us express permission to do so, and this is only ever with your chosen lender in order to move forward with your loan application.

The only contact you will receive will be from your chosen borrower after you have submitted your application, and they will only do so in relation to your loan. For more information on this, please see our terms and conditions.

a loan expert looking at UK payday lenders for a client

Apply for Payday Loans Online With LoanBird Today

We strongly believe in treating our customers fairly whilst offering easy access to all of our payday loans UK lenders. At LoanBird we’re confident that we can help people find the best financial assistance to suit their needs and circumstances. Use our online application form for quick and easy decision and apply for a payday loan online today.

Payday Loan FAQs

We have a strict criteria to be able to use our application form, however this criteria may also vary lender to lender. Our criteria are as follows:

  • Applicants must be aged 18 or older
  • Applicants must have a permanent residence in the UK
  • Applicants must have an active UK bank account
  • Applicants must be able to afford the monthly repayments
  • Applicants must have be employed or have regular income

At LoanBird, we don’t make you wait around. In the unlikely event that we’re not able to match you with a lender, we’ll let you know immediately and there will be no lasting record of the application in your file. Most payday loans will be approved on the same day of application and the payday loan direct lenders that we match you with will provide you with an estimation of when you will receive your funds.

You will be able to choose flexible repayment dates that work around your pay day dates. Most lenders request a regular payment such as a direct debit or a recurring visa payment known as a Continuous Payment Authority. This allows them to debit the repayments directly from your account, ensuring you never default because you’ve forgotten to make a repayment. However, you may also be able to make the repayments yourself.

While payday loans have had a bad reputation in the past, the leading lenders in the market alongside the FCA have revolutionised the product. Payday loans are now one of the most regulated loan options in the financial market. They are subject to price caps, meaning interest and fees cannot surpass 0.8% of the amount borrowed per day, and you’ll never pay more than 100% of the loan amount in interest. Late repayment fees have also been capped at £15. As a result of these changes, payday loan direct lenders now offer more transparency and easier borrowing terms.

LoanBird is an FCA authorised broker. You can find us on the FCA register under our company name RJ Assist LTD, and our reference number 788094.

No, many of the payday loan companies that we partner with allow you to take up to 36 months to repay your loan. Your repayment terms will be based on the information you provided at the application. You’ll be able to choose a maximum repayment term, such as 12 months. However, you should keep in mind that the longer you take to pay your payday loan off, the more you’ll end up paying over-time due to interest.

The cancellation process of a payday loan will vary lender to lender. It’s helpful to note that you’re locked into a 14 day ‘cooling off’ period with many lenders, meaning you can cancel your agreement at any time within the first 14 days. You will still need to pay back all of the money that you have borrowed, along with any interest incurred up until the cancellation.

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Warning: Late repayment can cause serious money problems. For help, visit moneyhelper. Our site uses cookies to provide a better experience, see our cookies for more info.