Don't look anywhere else, just below you will find THE most complete and exhaustive list of Payday Lenders on the Internet. We compare 49 direct UK lenders (allthelenders lists only 15 direct lenders as a comparison).

Why? Simply because from this page, we do not get any commission AT ALL from all these lenders. The only goal of this page is to give you a comprehensive list of licensed direct lenders. We have never and will never list any broker or unlicensed lender.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

£200-£1500 2-6 months	£50-£3000 monthly repayemnts	£50-£1000 3 months	£300-£2000 3-12 months	Up to £1,500 6 months
£50-£1,000 1-18 months	£200-£1,000 3-6 months	£100-£2,000 7 days to 12 months	£125-£500 30 days	£200-£1,250 3-6-9-12 months
£100-£1,000 3-36 months	£100-£150 3 months	£100-£1,000 26-78 months	£100-£400 1-35 days	£150-£1000 4-6 months
£200-£500 13-26 weeks	£100-£400 2-4 months	£200-£1,100 2-3 months	£100-£1000 3 to 6 months	£200-£3000 8-12-16-24 months
£100-£5000 1-12 months	£100-£1000 3-6-12 months	£100-£700 30 days - 6 months	£50-£2000 1 to 8 months	£100-£1000 1 to 18 months
£250-£1000 18 months	£300-£1000 3-6 months	£250-£1000 4-12 weeks	£500-£5000 12-60 months	£200-£1000 3-6 months

ONLY Direct Lenders	No Brokers
£200-£1500 2-6 months	£500-£5000 12-60 months
£50-£3000 monthly repayemnts	Up to £1,500 6 months
£50-£1,000 30 days	£200-£1,000 3-6 months
£100-£2,000 7 days to 12 months	£125-£500 30 days
£100-£1,000 3-36 months
£100-£150 3 months	£100-£1,000 26-78 months
£100-£400 1-35 days
£200-£500 13-26 weeks
£200-£1,250 3-6-9-12 months
£100-£400 2-4 months
£200-£1,100 2-3 months
£100-£5000 1-12 months	£100-£1000 3-6-12 months
£100-£700 30 days - 6 months	£50-£2000 1 to 8 months
£100-£1000 1 to 18 months
£250-£1000 18 months	£300-£1000 3-6 months
£250-£1000 4-12 weeks	£500-£5000 12-60 months
£150-£1000 4-6 months	£200-£1000 3-6 months
£200-£3000 8-12-16-24 months	£100-£1000 3 to 6 months
£50-£1000 3 months
£300-£2000 3-12 months

Here is the list of lender available on this page: Moneyboat, LendingStream, Wageme,, MrLender, TheQuickloanShop, THL Direct, H&T Finance, Fair Finance, Care Finance, CashAsap, Fernovo, DotDotLoan, JL Money, MyKredit, CashFloat, ThinkMoney, Kabayan, CreditStar, Fastloanuk, OnTrackLoans, Loans2go, QuidMarketLoans, TheMoneyPlatform, Cash4uNow, Ticktockloans, Savvy, Buffa, Paydayloansnet, Response Funding, AnicoFinance, LikelyLoans
Credit Union: https://www.findyourcreditunion.co.uk/

Out of business: Piggy Bank, 247 Moneybox, Wonga, QuickQuid, TrustedQuid, Wagedayadvance, SwiftSterling, MyMoneyPartner, Peachy, Uploan, UncleBuck, Sunny, MyJar, Wizzcash, Satsuma, WeLendUs, Provident, Oakam, Zippaloans, SafetyNetCredit, Auden, SmartPig, Ferratum Money

Alternatively to the full list of direct lenders above, choose the product you are looking for below and compare the list of lenders offering this product type:

Where can I find the most complete list of direct lenders in UK?

Allpaydaylenders provides by far the most exhaustive listing of short term UK lenders on the Internet. While the main purpose of PCW is to help loan seekers get objective information, it still needs to be commercially viable. Some lenders simply cheat and are taken out of the website, others do not want to be listed or they simply approve too few people for PCW to earn money.

What is a short term loan price comparison website?

A price comparison website, sometimes called PCW, is a webpage compiling a list of short term lenders and compared or sorted based on different criteria such as: type of lender (payday, installment, guarantor..), their audience (student loans..) or some other feature related to their product (responsible, same day funding, fast approval..). Consequently those websites are not lenders, they are just an intermediary between you (the client) and the lender that you will eventually apply for loan and, if approved, send you the funds requested. However, PCW are licensed and regulated which means it is a reliable source of information for you to choose the lender that best matches your needs.

How AllPaydayLenders.com works?

As the header says, all lenders are just one click away. Compare the listed lenders on the homepage or select the amount or term you want to borrow and consult the given lenders. When your choice is made, click on the 'Apply now' button and the selected lender's website will open in a new window. You can then apply for a loan on the chosen lender's website. Any question you might have about this lender, please get in touch with their support team (usually in the Contact section). You can click on several lenders to check out their website before making a final decision. You can also apply on several websites as your application might be rejected.

Why should I use a price comparison website to get a loan?

The main purpose and advantage of the PCW is that it allows you to compare several lenders on the same criteria, hence make much more informed and objective choice. You may also discover new lenders you haven’t heard of or considered previously. Also, compared to the website of a direct lender that is by default biaised since lenders try to sell their products to you, the PCW is unbiaised and objective as it does not sell the loans of one particular lender. It is forbidden for comparison sites to highlight a specific lender based on commercial preference and lenders must be ranked from cheapest to most expensive.

How do PCW get paid?

Most of the time, PCW are paid by the lenders on a performance basis, i.e. for every funded client. In some cases, they pay per click to their website or a fixed monthly fee. Alternatively, this is our case, sites earn money from ads.

What are short terms loans?

Short term loans, also called payday loans, are a type of credit that need to be repaid in a ’short’ period of time, usually under 12 months even though some lenders might let you borrow for a longer period of time. It is a form of credit that is supposed to be temporary. Interest rates are higher than the loans offered by traditional banks and the use is usually different, for example to cover a cash issue until the next pay day.

Am I eligible for a short term loan?

The conditions to be eligible are very similar among all lenders. You must be at least 18 years old, be a UK resident and have a UK bank account. In most cases, you will need to be employed or at least have a regular income.

What is the cost of a short term loan?

The cost differs from lender to lender but since January 2015, there is a cost cap and your loan interest cannot be higher than 0.8% per day, that is 80p of interest per day per £100 borrowed. The total amount to repay is also capped at 100% of your loan amount. So if you borrowed £100, you will never have to repay more than £100+£100=£200. This number includes interest and any other fees (late fees...). Finally, fees are also capped at £15.If you default, your daily interest rate of 0.8% per day will be applied and there can be a one-time default fee of £15. The sum should not be higher than 100% of your loan. Example: if you borrow £100 for 30 days and replay on time, the maximum you will pay is £24 in interests. If you repay late, you might be charged a £15 default fee once only and a daily interest of 0.8%. If you are very late and cannot pay, the maximum owed will be £100 in interests.

The full list of direct UK lenders we have listed on alllpaydaylenders.com:

Wizzcash

Wizzcash is a trading name of Emergency Cash Limited. You can borrow up to £1,000 for 3 months and repay in three equal instalments.

Moneyboat

Evergreen Finance London Limited is a FCA licensed direct lender that offers loans of £400 for a variable duration.

Drafty

Trading name of GAIN Credit LLC, they offer a personal credit limit and will consider bad credit applications.

Anico Finance

Trading name of Anico Financial Services Limited, it is a direct lender targeting the Filipino community in the UK.

Response Funding

Response Funding, formerly known as Fancy a Payday offers loans of up to £200 for new customers.

Lending Stream

Wageme

Wageme is a trading name of Wageme.com Ltd and will give out loans of up to £1,000.

Satsuma

Satsuma Loans is a trading name of Provident Personal Credit Limited. Loan term: 3-12 months, amount: £100 to £1,000.

Mr Lender

MrLender is a trading name of PDL Finance Limited and offers loans for new clients of up to £500.

QuickLoanShop

THL Direct

H&T Finance

Care Finance

Fair Finance

CashAsap

Fernovo

Provident

Dot Dot Loans

Welendus

JLMoney

MyKredit

CashFloat

ThinkMoney

KabayanFinance

CreditStar

FastLoanUK

OnTrackLoans

Loans2Go

QuidMarket

TheMoneyPlatform

LikelyLoans

Cash4UNow

TickTockLoans

Savvy

Buffa

Paydayloans.net

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Loans in Finland: An In-Depth Analysis

Finland, a Nordic country known for its high quality of life, robust social welfare system, and strong economic performance, has a well-developed financial sector. This sector plays a crucial role in facilitating both personal and business activities through various types of loans. Understanding the landscape of loans in Finland involves exploring the types of loans available, the application process, interest rates, regulatory environment, and the cultural attitudes towards borrowing.

A CCJ, or County Court Judgement, might be a hurdle to get a mortgage. Even though brokers and lenders have adjusted their underwriting and use a combination of criteria to assess each application, having bad credit or a CCJ is not necessarily a good sign.

What is a CCJ?

First of all, let’s make things clear about what a County Court Judgement is. It is issued if you owe money to someone and fail to repay them and the usual recovery methods have been unsuccessful (letters, late payment notices…) or simply ignored.

Your creditor can apply for a CCJ against you, especially if they think you won’t be able to repay. If accepted, the judgement will be issued and you will be told to pay the money back with a few options such as

Dispute the decision, for example if the creditor also owes you money or if the claimed money isn’t actually due
Pay back the amount in full
Pay back in instalments

A CCJs can be very detrimental to your name and your chances of getting a loan, mortgage, opening a bank account or applying for a credit card. It can be issued against you (individual) or a company.

Can you ignore a CCJ?

It might be tempting to just ignore it if you are struggling with money, however it is not advisable to do so. Indeed, the Court might resort to more drastic actions such as sending High Court Enforcement Officers or bailiffs to your home to take your own goods to pay the debt.

The best way to tackle a CCJ is to answer it using one of the three options quoted above, either repay in full or in instalments or dispute it.

Can I apply for a mortgage with a CCJ?

Applying for a mortgage with CCJs will not help your success rate. Most lenders will simply refuse to lend money to applicants with an open CCJ or a case opened in the past few years.

However, there are nuances.

Again, the best solution if you face a CCJ is to tackle it and solve it as soon as possible. Indeed, if you repay your debt within 30 days or successfully dispute it, it might not show up at all on your credit report.

After 30 days, it will definitely appear in your credit history but your mortgage chances will vary depending on the recency of the CCJ and the quantity of the amount due.

A solved CCJ will improve your chances since it shows you have either settled it or paid it off. Most importantly, it will disappear from your credit file after six year.

A single, small CCJ might not stop you from getting credit. In general it is a combination of credit issues that are fatal to your application.

Perhaps the most important factor is the recency of the CCJ. If it was issued years ago and you have since then shown good credit history, regular income and a healthy financial status, you might be approved for a mortgage.

Must DO’s should you face a CCJ:

Address is right away to see your options. NEVER ignore it.
Try to pay off the debt within 30 days as then it might not even appear
Time and size matter:

a rather small CCJ (<£2,500) issued more than 3 years ago without any further credit issues might have a favorable outcome
In other cases, you might have to wait for 6 years. The CCJ will then be removed and your credit score improve

4 Years After... what happened to Price Comparison Websites

4 years ago, the FCA introduced a series of new rules applicable to Price Comparison Websites (PCW) displaying High-Cost Short-Term Credit (HCSTC) products. I predicted those rules would be a failure and I was right !

What happened to customers, lenders, PCW and ... brokers?

Here were my predictions:
- since PCWs will not be able to survive by displaying all the lenders according to the new rules, they will only display a few lenders they earn money with and get rid of the others

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Legal Disclaimer: Allpaydaylenders.com is an introducer (or broker) that gives independent ranking and reviews on loan lenders and loan companies. They are only intended for informational use and do not constitute professional advice. We strive to keep the information presented up to date but do not guarantee that it is free of errors. Please always refer to the Terms and Conditions on the lender's site. We do not accept liability for any errors nor omissions on this website. This website is privately owned and contains links to direct payday loan lender websites that chose to advertise with us and pay us in return for doing so. We take no responsibility of the content on websites that we link to.
We are not a lender and do not provide credit to consumers. If you make an application through this website it will be shown to a selection of our lending partners for their consideration.

While we do not highlight all lenders on our homepage, we have also built the only independent and most exhaustive list of lenders available in the UK. Nowhere else you will find such a complete list (if you do, please tell us about it!).