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Payday Loans

No Fees
High Approval Rate
Search Now

Borrow a Loan From £100 – £5,000*


Quickly Search Multiple Lenders To Find The Best Deal


Most Loans Are Paid on the Same Day

Always Open

Apply Anytime, 24 Hours, 7 Days a Week


Safe & Secure Online Technology

Rates from 12.9% APR to 1625.5% APR. The Minimum Loan Term is 1 month. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97%. Representative APR: 79.5% (variable).

WARNING: Late repayment can cause serious money problems. For help, visit moneyhelper. LoanBird are a licenced credit broker, not a lender. LoanBird does not make credit decisions.

How It Works

Step 1
Firstly, select the loan amount you want and how long you would like to borrow it for.
Step 2
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 – review and choose the offer that suits your needs!
Step 3
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 60 minutes.

LoanBird – Expert payday loan brokers at your service!

Minimum Loan Term is 1 month. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97%. Representative APR: 79.5% (variable).

(It won’t affect your credit score)

Get an Immediate Decision On the Best Payday Loans in the UK

LoanBird helps you save time and get the cash you need from payday loans and direct lenders who are ready to help.

You’re Safe with LoanBird – Find the Best Payday Loans Securely

  • Fully FCA authorised loan broker in the UK
  • Trusted & reputable UK online direct lenders
  • Free to use online service
  • You’re in control throughout the process
  • Increased chances of a positive decision
  • Your information is secure
  • Find the best rate for UK online loans
  • No cold calling
  • Best APR & Interest rates available
  • No obligation offers
  • Terms are displayed before you accept

Application > Decision > Cash – Simple Payday Loans

Looking for the perfect payday loan online can be overwhelming, but LoanBird is here to make the process easy and stress-free. Our panel of direct lenders are on standby to find the most suitable payday loan for your specific needs, based on the information you provide. With LoanBird, you can be matched with the most suitable loan lenders in the UK in just minutes, so you can get the cash you need when you need it most.

At LoanBird, customer satisfaction is our top priority, with our website designed to provide an express service to all our customers, whether you’re looking for payday loans, loans for bad credit, or short term loans. We understand that time is of the essence, so we’re committed to delivering the fast decision you need from a direct lender that will say yes to your loan request, at the best rate possible. Plus, with our payday loans lenders welcoming varying credit histories, we’ll make sure you get the right match for you without delay.

Trust LoanBird to help you navigate direct payday lenders in the UK with ease and confidence. Let us take the stress out of the process and find the loan that’s right for you, quickly and hassle-free.

Minimum Loan Term is 1 month. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97%. Representative APR: 79.5% (variable).

(It won’t affect your credit score)

What Are Payday Loans?

Payday loans can be a lifeline in times of financial emergency. As a form of unsecured loan designed to assist with unexpected and unavoidable expenses, such as high car repair bills or emergency bills, they offer a quick and easy solution to alleviate immediate financial stress.

While traditional payday loan companies in the UK typically require the loan to be repaid in full, along with interest, fees, and charges on your next payday, many payday loan lenders have become increasingly flexible, offering longer loan terms and higher loan amounts. At LoanBird, we take pride in providing access to an extensive panel of FCA-approved lenders to save you from the hassle of finding the right loan for your needs – we’re payday loan brokers working in your interests.

Our application form enables successful applicants to borrow funds from lenders with loan terms ranging from 1 month to 36 months, providing you with the flexibility to select a payment plan that suits your specific requirements. Let LoanBird help you get the financial support you need, when you need it most, so you can resolve your situation and repay with affordable repayments that fit your budget.

a woman smiling as she searches payday loans on her mobile phone

Why Search For A Payday Loan With LoanBird?

Borrowing quick cash loans from a payday loan lender online can offer you a multitude of benefits that are worth considering. Not only can you gain access to the funds you require in a timely manner, but with LoanBird, you can rest assured that our application process is safe and secure. Our commitment to providing a fair service to all our customers sets us apart from other loan brokers.

By choosing LoanBird, you can have the peace of mind that you are working with a reputable company that has your best interests at heart, finding the best payday loans in the UK available for you.

  • An extensive panel of FCA-regulated lenders

  • Compare rates from multiple lenders

  • Available to customers 18 and over

  • Loans from £100-£5000* available

  • No impact on your credit score

  • No hidden fees or charges

  • Available 24/7, 7 days a week

  • Increased chances of a positive decision

  • Decisions made quickly

  • No guarantor or collateral required

Minimum Loan Term is 1 month. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97%. Representative APR: 79.5% (variable).

(It won’t affect your credit score)

Benefits of Applying for Payday Loans with LoanBird:

Soft Search

If you’ve been turned away by payday loan lenders just because of a less-than-perfect credit score, don’t risk further damage to your credit rating by applying with multiple lenders and facing multiple hard searches. At LoanBird, we understand the importance of maintaining your credit rating, which is why we conduct only a soft search.

With our panel of payday loan lenders in the UK, we can help you find the perfect lender with just one simple application and a soft search of your credit file. Rest assured that once we’ve matched you with the right lender, they will conduct a hard search credit check to ensure final approval if you choose to continue. Be wary of lenders offering no credit check loans – these companies may not be legitimate and may not be following FCA regulations.

Remember, credit checks are in place to protect borrowers and prevent them from taking on unmanageable debt. Trust LoanBird to find the right payday loans direct lender in the UK for you, without impacting your credit rating.

All Credit Considered

Looking for a payday loan but worried about your poor credit rating? Our advanced networking tool can help. We provide access to a range of direct lenders who assess loan applications based on affordability, not just credit score. So even if you’ve been turned down by other lenders recently, you may still be able to find high approval payday loans through us.

We work with a panel of fully authorised and regulated UK online lenders, all of whom are committed to responsible lending practices. When you apply for a loan through us, each lender will make their own judgement based on your individual circumstances and affordability. So why wait? Apply today to find out if we can help you get the funds you need.

Better Loan Rates

By partnering with a vast network of more than 30 lenders, we can utilise the data you share with us to conduct a comprehensive comparison of loan options on your behalf. This allows us to identify the most attractive deal and competitive interest rates tailored to your individual circumstances from our panel. Why spend your valuable time searching through endless loan options when we can do it for you? With our assistance, you can sit back and relax while we do the hard work for you.

No Hidden Fees

At LoanBird, we pride ourselves on being a fully licensed and FCA-compliant payday loan broker that provides a free and transparent service. Unlike other payday loan brokers, we don’t believe in hidden charges or additional fees during any stage of the quote or application process. We acknowledge that many people who turn to payday loans are experiencing short term financial difficulties and we want to make the process as stress-free as possible. That’s why we offer a completely free service with no strings attached – our goal is to assist when you need it most. Trust us to help you navigate the payday loan process with ease and peace of mind.

Completely Secure

Safeguarding your privacy and security is our top priority. We are committed to ensuring that your personal information is always kept confidential and secure. Rest assured that we never share your details with any third party, unless you explicitly grant us permission to do so. In such cases, we only share your information with your chosen lender to facilitate your loan application process.

Once you have submitted your application, you will only be contacted by your chosen lender, and this will only be in relation to your loan. You can trust that your personal information will never be used for any other purpose without your explicit consent.

For more information about how we protect your privacy and security, please refer to our terms and conditions. At LoanBird, we take great pride in providing our customers with a safe and secure lending experience, so you can focus on what really matters – getting the funds you need, when you need them.

a loan expert looking at UK payday lenders for some clients

Apply for Payday Loans Online With LoanBird Today

At LoanBird, our top priority is treating our customers with the utmost fairness and respect. Our commitment to providing easy access to a payday loan in the UK when you need it, from the best available lenders, is matched only by our confidence in our ability. As trusted loan brokers, we want to help people find the financial assistance that best suits their unique needs and circumstances.

With our user-friendly online application form, you can quickly and easily apply for payday loans and receive a fast decision. Apply for a payday loan now and let us help you find the right lender for you today.

Payday Loan FAQs

To be able to use our FREE online service and start your application today, you will need to meet the following criteria. Please note, these criteria may vary between lenders on our panel:

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

At LoanBird, we understand the value of your time, which is why we don’t believe in making you wait around. In the rare occurrence that we can’t find a lender to match you with, we won’t keep you guessing. You’ll be informed immediately, and the best part is that there won’t be any lasting impact on your credit file.

Our payday loan direct lenders are committed to providing a quick and hassle-free experience. Once your application is approved, you can expect to receive the funds on the same day itself where possible. They will also give you an estimated timeline for the arrival of your funds, so you can plan accordingly. At LoanBird, we strive to ensure that you have a stress-free borrowing experience from start to finish.

As a borrower, you know that managing your repayments can be a daunting task. But with our loan service, you don’t have to worry about missing a payment again. We understand that everyone has different pay day dates, which is why we offer the flexibility to choose your own repayment dates.

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. With our service, you can enjoy peace of mind and the freedom to manage your finances on your own terms.

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.

Yes, if you can afford the repayments required for a payday loan despite a low credit rating, there’s a chance one of the lenders on our panel can help you. During your application process, once you have been matched with a lender and choose to continue, you will be subject to credit and affordability checks to determine if the loan is affordable. If the lender can determine you will be able to sustain the loan repayments, and as long as you are not currently bankrupt, they could look to approve the loan amount and terms you’re looking for.

Not unless you want to, as the payday loan companies we work with offer flexible repayment terms of up to 36 months. Once you submit your application, the loan repayment terms will be determined based on the information you provided. You will have the option to select a longer repayment term, such as a 12 month loan, but bear in mind that the longer you take to pay off your loan, the higher the interest accumulates, resulting in a greater overall cost. It’s important to consider your financial situation carefully before making a decision on the loan repayment term that’s right for you.

The cancellation process of a payday loan will vary from 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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