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Payday loans online UK are the solution to every financial hiccup. As a result, many Britons have benefited from the financial freedom that online payday loans UK provide. Whether you need the extra cash for home improvements, back-to-school supplies, or even a holiday, payday loans online UK can give you access to the necessary funds.
With so many online payday loans UK to choose from, it can be laborious to find the right payday loans UK online to suit your financial needs and budget. We’ve taken the hard graft out of searching for online instant payday loans UK alternatives. This article presents the 5 top providers of the best online payday loans UK, providing fast access to the online payday loans instantly UK alternatives you need!
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Best Payday Loans Online UK🥇- Editor’s Picks
- Loan Mr – loanmr.co.uk : Overall Best for Fast Processing of Online Payday Loans UK
- Loan Skipper – loanskipper.co.uk : Best for Payday Loans UK Online Up to £2000
- Speedy Lends – speedylends.com : Best for Online Instant Payday Loans UK Alternatives up to £5000 with 24 Months to Pay
- Mr Payday – mrpayday.co.uk : Best for Online Instant Payday Loans UK Alternatives for Self-Employed Individuals and Freelancers
- Swish Loans – swishloans.com : Best for Getting Feedback on Online Payday Loans Instantly UK Without Collateral
Top Payday Loans UK 2023 Bad Credit Accepted
Loan Mr – Overall Best for Fast Processing of Online Payday Loans UK
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Quick Ratings:
- Decision Speed: 9/10
- Loan Amount Offering: 8/10
- Variety of Products: 8/10
- Acceptance Rate: 7/10
- Customer Support: 8/10
Borrowers looking for fast, streamlined access to online payday loans UK should look no further than Loan Mr. Applications for online payday loans UK via Loan Mr are super-fast! The online application form can be completed in minutes, and borrowers can expect an answer a few minutes later. Online payday loans UK range from £200 to £5000 with 3 to 24-month repayment terms depending on the loan size, and APRs vary according to the borrower's personal circumstance between 45.3% to 1575%.
Highlights of Online Payday Loans UK via Loan Mr
- Online application process
- Loans up to £5000
- Easy repayment options
- Fast response times
- Straightforward application form
Eligibility Requirements of Online Payday Loans UK
- Applicants must be 18+
- Hold a valid UK passport/visa
- Earn a regular income
- UK bank account required.
Fees and Interest Rates Charged by Lenders on Online Payday Loans UK
- APRs range from 45.3% to 1575%
- No hidden fees
- Increased costs and APRs for missed/late payments
Loan Mr is a Credit Broker, not a Direct Lender.
Representative example: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28. Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative (variable). Rates from 45.3% APR to max 1575% APR - your APR will be based on your personal circumstances. Loans subject to status and subject to credit checks. Minimum repayment period is 90 days (3 months) from the date the loan is issued. Maximum repayment period is 24 months.
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Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk. All loans are subject to lender requirements and approval.
Loan Skipper – Best for Payday Loans UK Online Up to £2000
Quick Ratings:
- Decision Speed: 8/10
- Loan Amount Offering: 9/10
- Variety of Products: 9/10
- Acceptance Rate: 8/10
- Customer Support: 7/10
Borrowers searching for medium-sized payday loans UK online of £2000 should put Loan Skipper at the top of the list. Lenders via the Loan Skipper portal offer short-term loans ranging between £200 and £2000 with between 2 and 6 months to pay, making them a convenient option for those who need a small lump sum over a short period! After completing the online application form, borrowers can expect a quick response from potential lenders offering the payday loans UK online options they need. Furthermore, Loan Skipper does not charge any fees for their loan-finding services!
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Highlights of Loan Skipper’s Payday Loans UK Online
- Affordable loan values up to £2000
- 2-6 months repayment options
- No upfront fees
- Online customer support
- Secure service
Eligibility Requirements of Applying for Payday Loans UK Online
- Adult borrowers 18/older
- UK residents only
- Regular income (employed/benefits)
- Valid UK bank account
Fees and Interest Rates on Payday Loans UK Online
- APRs of 45.3% - 1575%
- The lender sets interest rates
- Default payments attract penalty fees
- Loan extensions incur additional fees
Loan Skipper is a Credit Broker, not a Direct Lender.
Representative example: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28. Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative (variable). Rates from 45.3% APR to max 1575% APR - your APR will be based on your personal circumstances. Loans subject to status and subject to credit checks. Minimum repayment period is 90 days (3 months) from the date the loan is issued. Maximum repayment period is 24 months.
Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk. All loans are subject to lender requirements and approval.
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Speedy Lends – Best for Online Instant Payday Loans UK Alternatives up to £5000 with 24 Months to Pay
Quick Ratings:
- Decision Speed: 8/10
- Loan Amount Offering: 9/10
- Variety of Products: 8/10
- Acceptance Rate: 9/10
- Customer Support: 8/10
Speedy Lends doesn’t fail to impress with its easy application for online instant payday loans UK up to £5000 with 24 months to pay. In fact, most borrowers agree this platform provides some tough competition regarding online instant payday loans UK. Depending on the lender, borrowers can get loans from £200 with APRs ranging from 45.3% to 1575%. Borrowers can also expect reasonable repayment options starting at 3 months. With such flexibility in terms of online instant payday loans UK, it's easy to see why Speedy Lends is the name to watch out for!
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Highlights of Online Instant Payday Loans UK Alternatives Up to £5000
- Up to 24 months to pay
- Loans up to £5000
- Budget-friendly repayment options
- Simple lending criteria
- Quick response time
Eligibility Requirements to Apply for £5000 Online Instant Payday Loans UK Alternatives
- Valid email and working mobile number
- Income paid into UK bank account
- Over 18 years only
- UK residents only
Fees and Interest Rates on Online Instant Payday Loans UK Alternatives
- APR 45.3% - 1575%
- Lender-dependent APRs
- Penalty fees and additional Interest for missed/late payments.
Speedy Lends is a Credit Broker, not a Direct Lender.
Representative example: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28. Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative (variable). Rates from 45.3% APR to max 1575% APR - your APR will be based on your personal circumstances. Loans subject to status and subject to credit checks. Minimum repayment period is 90 days (3 months) from the date the loan is issued. Maximum repayment period is 24 months.
Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk. All loans are subject to lender requirements and approval.
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Mr Payday – Best for Online Instant Payday Loans UK Alternatives for Self-Employed Individuals and Freelancers
Quick Ratings:
- Decision Speed: 8/10
- Loan Amount Offering: 7/10
- Variety of Products: 8/10
- Acceptance Rate: 8/10
- Customer Support: 8/10
Self-employed and freelance borrowers looking for online instant payday loans UK alternatives will find Mr Payday is an excellent choice! Unlike traditional high street banks, lenders via the Mr Payday platform recognise that conventional employment isn’t the only means of income.
Therefore, UK borrowers who meet the lender's requirements, have a regular income (benefits or wage), and a valid UK bank account can easily apply for the online instant payday loans UK alternatives they need. Online instant payday loans UK alternatives range from £100 to £5000 with 1 to 24 months to pay and APRs of 45.3% to 1575% depending on the borrower's personal circumstances.
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Highlights of Online Instant Payday Loans UK Alternatives
- Reputable UK lenders
- Up to 2 years to pay
- Get up to £5000
- 100% online application
- Simple eligibility requirements
Eligibility Requirements for Self-Employed & Freelancers Applying for Online Instant Payday Loans UK Alternatives
- UK residents/citizens only
- Must be over 18
- Employed with regular monthly salary
- UK-based bank account
Fees and Interest Rates Charged on Online Instant Payday Loans UK Alternatives for Freelancers and Self-Employed
- APRs of 45.3% to 1575%
- No cost for loan-matching service
- Extending the loan may incur additional costs
Mr Payday is a Credit Broker, not a Direct Lender.
Representative example: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28. Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative (variable). Rates from 45.3% APR to max 1575% APR - your APR will be based on your personal circumstances. Loans subject to status and subject to credit checks. Minimum repayment period is 90 days (3 months) from the date the loan is issued. Maximum repayment period is 24 months.
Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk. All loans are subject to lender requirements and approval.
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Swish Loans – Best for Getting Feedback on Online Payday Loans Instantly UK Without Collateral
Quick Ratings:
- Decision Speed: 7/10
- Loan Amount Offering: 8/10
- Variety of Products: 8/10
- Acceptance Rate: 7/10
- Customer Support: 7/10
Swish Loans stands out from the crowd when providing feedback on online payday loans instantly UK. A secondary perk is that online payday loans available via the platform don't require borrowers to make a down payment or offer collateral. Essentially, payday loans are unsecured.
You can apply to get feedback on online payday loans instantly UK between £100 and £5000 via the Swish Loans platform, with the terms typically ranging from 1 to 24 months depending on the loan amount and, of course, the lender. APR rates are quite standard, ranging from 45.3% to 1575%
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Highlights of Applying for Online Payday Loans Instantly UK Alternatives via Swish Loans
- Quick application process
- No collateral required
- Fast feedback
- Up to 2 years to pay
- Fast disbursement
Eligibility Requirements to Apply for Online Payday Loans Instantly UK Alternatives via Swish Loans
- 18+
- Regular income for at least 3 months
- Prove the affordability of the loan
- UK citizen/resident with a UK-based bank account
Fees and Interest Rates Charged on Online Payday Loans Instantly UK Alternatives
- APRs between 45.3% and 1575%
- Late/missed payments may incur additional costs
- Extending the loan may result in increased fees
Swish Loans is a Credit Broker, not a Direct Lender.
Representative example: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28. Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative (variable). Rates from 45.3% APR to max 1575% APR - your APR will be based on your personal circumstances. Loans subject to status and subject to credit checks. Minimum repayment period is 90 days (3 months) from the date the loan is issued. Maximum repayment period is 24 months.
Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk. All loans are subject to lender requirements and approval.
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How Did We Choose the Best Online Payday Loans UK Providers?
- Simple online application processes that are easy for anyone to navigate.
- No technical jargon and terms that can create confusion.
- Transparency, so you’re never caught out with hidden fees or clever terms you don’t understand.
- Flexible loan amounts and repayment terms to suit all needs and budgets.
Types of Best Online Payday Loans UK 2023 ✅
Best Online Payday Loans UK without Collateral
As online payday loans UK are designed to be used as short-term bridging cash, no collateral is required. These unsecured loans range between £100 and £5000, lender-dependent.
Emergency Same Day Online Payday Loans UK Alternatives
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Nothing quite compares to the panic that sets in when there’s an emergency. Where will you find a source of cash and will it pay out quick enough? Emergency same day online payday loans UK alternatives are quick to process and, depending on the lender, are paid out fairly quickly.
Unemployed Same Day Online Payday Loans UK Alternatives
Being unemployed doesn’t mean you don’t earn an income. Perhaps you’re an independent contractor, self-employed, or a freelancer. If you’re still generating an income legally and paying your required taxes, you can apply for unemployed same day online payday loans UK alternatives of up to £5000.
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Alternatives to Same Day Online Payday Loans UK for Students
Students earning the minimum income required by lenders or receiving a trust pay out or allowance regularly can apply for same day online payday loans UK alternatives for students. They may require a co-signatory in some instances.
Features & Factors to Consider Regarding Payday Loans Online Same Day UK Alternatives
Payday Loans Online Same Day UK Feedback
Payday loans online same day UK feedback ensure that you get an outcome on your loan request on the same day that you apply. Unfortunately, lenders can’t always pay out the funds on the same day, but most borrowers report speedy payments on approved loans.
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APRs of Payday Loans Online Same Day UK Alternatives
APRs on payday loans online same day UK alternatives can be quite high, generally ranging from 45.3% to 1575%. This depends on the lender and the borrower’s financial situation. When applying, you will be presented with a possible APR on the amount you’re requesting.
Lender Reputation Linked to Online Payday Loans Same Day UK Alternatives
When using any of the loan finders we’ve reviewed above, you can rest easy knowing that you’re dealing with reputable and accredited online payday loans same day UK alternatives providers.
Flexible Online Payday Loans Same Day UK Alternatives Amounts
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Flexibility is what it’s all about when applying for online payday loans same day UK alternatives, with amounts ranging from £100 to £5000, depending on the lender (note that some lenders don’t offer as much as £5000).
Repayment Schedules for Online Payday Loans Same Day UK Alternatives
Online payday loans same day UK alternatives typically come with 1 to 24 months to pay, but each lender will stipulate their repayment terms for you to consider during the onboarding process.
List of Top 5 Payday Loans Online UK, No Credit Check Guranteed Approval ✅
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How to Apply for the Top 10 Payday Loans Online UK Deals via Loan Mr
Using the Loan Mr Site, follow these steps to apply for payday loans online UK:
Step 1: Choose the Best Quick Payday Loans Online UK Amount for You
Loan Mr offers loans between £200 and £5000 – select the option for you.
Step 2: Complete the Online Application Form to Get the Best Quick Payday Loans Online UK Offered to You
Access the online application form and input your details by following the prompts.
Step 3: Get a Feedback on the Best Quick Payday Loans Online UK for Your Specific Financial Situation
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Receive feedback on your loan within minutes.
Step 4: Get Quick Payday Loans Online UK Payouts
Approved payday loans online UK are paid out as soon as possible (24 – 48 hours after finalization) – this is lender dependent.
FAQ’s
Am I Guaranteed to Be Accepted for Quick Payday Loans Online UK?
Lenders in the UK cannot guarantee loan approval until all checks have been done and the applicant passes. Low credit scores don’t always mean rejection. Instead, lenders check overall affordability. You cannot be accepted if you
What is the Easiest Quick Payday Loan Online UK to Get?
The easiest way to get quick payday loans online in the UK is to use a loan-finder site such as Loan Mr. This type of platform minimises time spent and has your application considered by multiple lenders.
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What are the Best Alternatives to Payday Loans Online Instant UK?
Instant loans don't exist because lenders must carry out checks before loans can be approved and then paid out. While this doesn't take a long time, it does take some time. The best alternative is to look for payday loans, unsecured loans, and personal loans.
Do Payday Loans Online Instant UK Exist?
No, there is no such thing as an instant payday loan online. Processing of loans takes time. You may receive a decision quickly, but not the actual loan payout.
Can I Apply for Alternatives to Payday Loans Online Instant UK Without a Credit Check?
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Credit checks are legally required from all lenders, so you cannot apply for any payday loans without undergoing one.
How Do I Get Emergency Payday Loans Online UK?
Emergency loans are those you can apply for quickly and expect a super-fast payout. Using a loan-finder such as Loan Mr is provides the best opportunity to get a payout fast.
Where Do I Find Payday Loans Online Direct Lenders in the UK?
When using a loan finder such as Loan Mr, you’ll be put in touch with direct lenders. Loan Mr and the other platforms we’ve reviewed only connect you with the most suitable lender. There’s no charge for the service, and once connected, you’ll deal directly with the lender.
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Conclusion
While Loan Mr cannot provide loans as it’s not a lender but rather a broker, the platform can put you in touch with the best payday loans online in the UK. Visit the Loan Mr website (Loan Skipper, Speedy Lends, Mr Payday, and Swish Loans are good options, too) and process your loan application today. You’ll know within minutes if you can be assisted!
Disclaimer: The websites advertised in this paid promotion are credit brokers, not direct lenders. All loans are subject to lender requirements and approval. Season Marketing does not charge customers a fee for using its broker services, but it might receive a commission from lenders or other brokers following an introduction through their websites.
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Disclaimer: The above is a sponsored post, the views expressed are those of the sponsor/author and do not represent the stand and views of Outlook Editorial.
