Same Day Loans

Urgent need for cash? LoanBird’s same day loans provide a rapid solution, perfect for emergencies or bridging short-term cash gaps. Our 24/7 online platform specialises in same day loans for bad credit, connecting you swiftly with a variety of lenders. Benefit from our free, FCA-authorised service, accessing over 30 top FCA-approved direct lenders without any hidden fees. With us, you can experience a smooth and speedy process. Complete just one application for multiple pre-approved offers, and receive funds quickly, often within hours. Click ‘Apply Now’ for a fast, free, and convenient way to secure a same day loan.

Rates from 12.9% APR to 1625.5% APR. 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).

A Guide to Same Day Loans – Discover Your Personalised Offers

  • Step One - Apply

    Apply for same day loans in just a few minutes. Just select the loan amount and repayment term you need, and we’ll show you your offers from same day loans direct lenders.

  • Step Two - Decision

    Review your offers for online loans the same day and choose the best deal for you. Continue your application with the lender to get a same day loan today.

  • Step Three - Cash

    Once approved and you’ve signed your loan agreement, get a cash loan the same day in your bank account within just 60 minutes!

Same Day Loans for Bad Credit

Same day loans can be ideal for many situations, such as when you need an emergency loan to cover an urgent expense like a car or home repair, or you have a short term cash flow problem until your next salary date. Getting the money you need fast is helpful, and there are many lenders offering online loans the same day available. If you’re looking for same day loans for bad credit or just need cash to help in the short term, at LoanBird we can show you multiple lenders who can help very quickly.

Using our FREE online platform, you can access same day loans with no credit checks with us, highlighting your lender offers that match your details. Whilst most other credit brokers will charge you a premium fee for their service, we operate differently. We’re an FCA authorised broker with a panel of over 30 of the best same day loan direct lenders ready to help. We do not charge any fees and you can browse freely 24/7 to find a suitable offer whenever you need to.

We can provide you with pre-approval for the loans we show you and you will only need to fill out one application form, saving you hours from having to find a suitable lender online. This allows you to proceed confidently with your fast application, and get the money you need in your bank account from loans the same day that pay out fast – usually within an hour or so!

To apply for same day loans for bad credit and receive a near-instant decision for FREE, click Apply Now.

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)

a well dressed man showing a same day loans service with LoanBird

Same Day Loans with No Credit Checks

Did you know that applying for multiple same day loans in the UK in the space of a few months can damage your credit rating? When you apply for same day loans from direct lenders, they will immediately run a ‘hard search’ credit check on your file, and a note of this will stay on your file for at least 12 months. Too many of these will make it more difficult to be approved for credit in the future – whether that’s same day payday loans, installment loans or even a mortgage.

That’s why many people search for same day loans with no credit checks – although you should be wary of direct lenders offering these, as it could be a sign that they aren’t legitimate and unlikely to be authorised by the Financial Conduct Authority (FCA).

A same day loans direct lender in the UK is required to perform full credit checks. As a free-to-use broker, we can run a soft search which leaves no trace on your credit file. It also means you’ll have pre-approval for multiple same day loans for bad credit we show you. While we can’t guarantee approval, there’s a good chance we can match you to a suitable lender willing to help. We can help 8 out of 10 applicants find the perfect loan for them, and we’re confident we can do the same for you, assuming you’re not in financial difficulties and have plenty of affordability.

It’s very important that the information you provide on your application is accurate. If not, it could slow down your application for your same day loan or could lead to you being turned down by your chosen lender. Quick loans for bad credit the same day are entirely possible, so if you have a poor credit history, don’t be put off as we may have a lender that can help you.

Same Day Payday Loans and More

The main benefits of using LoanBird to find loans the same day is that it saves you time, money, hassle, and protects your credit rating. We can offer a wide variety of loan types to suit your every need.

Using our panel of lenders, we can find the best rates for your circumstances, so whether you need a same day payday loan, a guarantor loan or would benefit from short term loans, we can help. What’s more, you don’t need to spend time learning about the different types of same day cash loans available. Simply submit one application telling us how much you need to borrow, and how long for, and we’ll match you up with the best same day loans in the UK for your needs!

If you’re specifically looking for a same day loan for bad credit, it’s the same easy process. We offer a great range of bad credit same day loans that are suitable for those with a less than perfect credit rating, and will only match you with the loans that you’re most likely to be approved for.

a laptop showing the benefits of getting a loan on the same day

Are You Eligible for Same Day Loans in the UK?

We’re able to offer same day loans for bad credit because the direct lenders we work with are fair and understanding. They understand that maintaining your credit score is a difficult task and may not reflect your current finances or ability to afford a loan.

We don’t want to prevent you from getting the same day cash loans you need whilst looking to improve your credit rating, so we can help where possible match you to lenders that are happy to look beyond your credit score.

Our same day loans in the UK are as accessible and fair as possible so that we can help many more people get a loan today. With this in mind, our eligibility criteria to search your lender offers are as follows:

At least 18 years of age

A current resident in the UK

Hold a UK bank account with a valid debit card

Receive a regular income

You’re welcome to apply for same day payday loans and short term loans with LoanBird if you can meet the above and prove your affordability. Your income can be from full or part-time employment, self-employment, benefits or a pension. You will need to provide proof of your identity, address, and the last three months’ worth of bank statements to help with the assessment process.

Your application will be assessed based on your affordability, which simply means whether you can comfortably afford the repayments, based on your current income and regular outgoings. We’ll always make sure that you have extra money left for your living expenses too to ensure a loan is not beyond your means.

This is how we’re able to offer same day loans for bad credit safely – we would never want our customers to fall into financial difficulty because of a same day cash loan they’ve found through us.

a gentleman playing on his mobile

Benefits of Taking Out Same Day Loans:

1. Instantaneous Cash

With same day loans, you can get cash in your account almost instantaneously, which can be a huge relief in case of an emergency. Many same day loan direct lenders have custom-built loan applications online that you can go through quickly to get a loan the same day.

2. Simple Application

The process is relatively quick and efficient, plus easy to follow. Same day loans and the process of them are legally required to be transparent for the customer. You will be fully aware of what you’re getting into before signing or agreeing to any terms and conditions.

3. They Are Convenient

The majority of borrowers of payday loans or same day loans use online services. You can apply for same day loans whenever you want and discover loans 24/7. You do not have to wait long for a decision, and you don’t have to speak to anyone either or wait for paperwork to be sent in the post.

4. High Approval Rates

Offering a same day loans service carries a high approval percentage rate. It’s essential that you’ve filled out the application form correctly and have also provided the lender with all relevant and appropriate details. Same day loans are typically small amounts, so this quick process from same day loans UK direct lenders can be ideal when you need a small amount of cash to help.

 5. Customisable Options

Unlike other forms of loans, you can easily customise your same day loan and figure out an amount and flexible loan term that works best for you. You can then adjust as necessary to fit your budget once you’ve checked the interest charge and available offers.

someone working out their credit affordability

Loan Repayment Example

an infographic displaying how loan repayments work

Access our same day loans via one application, if you:

are 18 or older

The minimun age to use our service is 18.

live in the UK

Must be a current resident of the United Kingdom.

have a Bank Account

You need an active UK bank account to allow the money to be transferred to you.


Only take out a loan if you can afford to meet the monthly payments.


You must have a monthly income to show you can afford repayments.


Online loans are one of the most efficient ways of borrowing.

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)

Apply for Same Day Cash Loans Today

So, if you want a quick and easy way to find same day loans online today, our FREE broker services are ideal for you. We can help you find same day cash loans successfully, and without risking your credit score to view your offers.

Simply fill in one form and we’ll show you the best deals for online loans the same day available in the UK. All you need to do is choose the best one for you!

If you have any questions about our same day loans for bad credit, please contact us today and we’ll be happy to help. Click Apply Now to find the best same day loans from direct lenders you can trust.

Same Day Loan FAQs

Our lenders can offer same day loans starting from 43.1% APR and once you have completed an application form, you can compare each lender offer to choose the terms you want to continue with. You could find a really good deal on same day loans in the UK through us as we make it convenient to compare offers in one place. Some lender offers will vary with the APR offered as this will be influenced by the type of loan and how much you want to borrow, for example. You may find some loan options will have a higher APR than others, so we recommend taking your time to compare your offers before proceeding.

There are no hidden fees when using our service, and it is completely FREE to search for offers to get a same day loan today. As we work alongside FCA approved direct lenders, the details of the loan you want are transparent so that you can make a financially savvy decision. We do not charge any brokerage fees to use our service either, and any commission we receive for introducing you to a lender is not part of your loan or charged to you. We know that some online loan lenders may charge you hidden fees by not disclosing all the details about the loan you’re applying for, but here at LoanBird, as we are FCA authorised credit brokers, we’ll ensure you can see all the details about the same day loans available.

You are not required to have a good or excellent credit rating to use our FREE online search. Our eligibility requirements ensure we can help many people find a same day loan option suitable for them, so if you are someone with a low credit score, you may still find the loan you’re looking for. Whilst it’s recommended to manage your finances to have as good a credit score as possible, if you do have the affordability to make repayments and have struggled to find lenders willing to help online, our smart search is available whenever you need it to help.

Whilst having a good credit score is important in general, it all depends on the lenders you choose. Many lenders may not focus on your current credit score if the loan is for a short tenure period. Some people may choose short term loans to help improve their credit score if they can afford to sustain it. Same day loan direct lenders will initially perform a soft search on your profile, and if your loan is approved, then they will carry out a hard search.

Lenders have to conduct hard requests on all loan applications; therefore, it is advised to not apply in too many places at once as it might end up bringing down your credit score further. Applying through us can help protect your credit score, as we’ll shop around for you finding you the best deals with the highest chance of success, ideal if you need a same day loan for bad credit.

Same day loans are often needed when you’re in a rush and just don’t have the time. However, they may not be the best option out there for you, and you should always read the terms and conditions carefully before signing into any loan. There are a lot of other loan options you can explore first, and you can then make an informed decision that considers your current finances.

Most same day loan offers are no-obligation offers; therefore, you need to realise that you are under no legal obligation to take up that offer. You can decline the offer and walk away if you don’t find the deal to be exactly right for you. For most places, there are a set number of days after you’ve signed a loan agreement where you can request to opt out of your loan application. This is normally 14 days, known as a cooling-off period.

Absolutely! Technology has helped us come a long way and online lending systems like payday loans, bad credit loans and same day loans are as secure as they can get. Make sure you use a verified loan lending service (like ours) upon getting your request processed securely. All you need to do is check there’s a padlock sign next to the website address you’re using. Many same day loan online lenders use enhanced security systems and encryption to gain their customer’s trust, and you can easily find out what security systems your lender is using by browsing through their site. Most corporations don’t transfer your data over a public network which adds an increased layer of security. There are also multiple verification checks along the way to ensure that nobody poses as you to apply for quick loans for bad credit the same day.

Most lenders will only allow you to authorise them to withdraw the agreed amount directly from your account on the due dates. The repayment schedule will always be outlined and explained in detail in the same day loan agreement, and different lenders will have different repayment schedules. You can also negotiate and fix a repayment method that works for you. An installment loan will help you to repay the loan in manageable repayments that are feasible and achievable for you.

Same Day Loans Related Info:

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)

apply now