QuickCash UK — Payday Loans Compared

Top UK Payday Lenders

Updated daily — ranked by approval rate & customer rating

QuickQuid Pro

⭐ Editor's Pick

★★★★★

14,320 verified reviews

Rep. APR1,293%

Amount£100–£1,500

DecisionInstant

Payout15 mins

Funds in 15 minutes via Faster Payments

No hidden fees — full transparency

Early repayment discount available

97% Approval Rate

Soft check only
to see your rate

Sunny Loans

⚡ Same Day Payout

★★★★★

8,741 verified reviews

Rep. APR1,617%

Amount£50–£2,500

Decision2 mins

Accepts applicants with bad credit

Flexible repayment options

SafetyNet Credit

🔄 Revolving Credit Line

★★★★★

6,128 verified reviews

Rep. APR68.7%

Amount£50–£500

DecisionSame day

Lowest APR on our panel

Only pay interest on what you use

Moneyboat

📱 App-Based Lender

★★★★★

4,093 verified reviews

Rep. APR699%

Amount£200–£1,500

Decision5 mins

3 to 12 month repayment terms

No early repayment fee

How It Works

From application to cash — in 4 simple steps

1

Fill in your details

Enter your loan amount, employment status, and basic personal information. Takes under 2 minutes.

2

We match you to lenders

Our system instantly matches you with FCA-authorised lenders most likely to approve you — using a soft credit check only.

3

Get an instant decision

Most lenders respond within 2 minutes. No paperwork, no branch visit required.

4

Cash in your account

Once approved, funds arrive via Faster Payments — often within 15 minutes of signing your agreement.

Common Questions

Everything you need to know before applying

Will checking my eligibility affect my credit score? ▼

No. We use a soft credit search to check eligibility, which is completely invisible to other lenders and has no impact whatsoever on your credit score. A hard search only occurs if you proceed with a full application directly with a lender.

Can I apply with bad credit? ▼

Yes. Several lenders on our panel specialise in applicants with poor or limited credit history. They assess affordability and income rather than relying solely on your credit score. Approval is never guaranteed, and you should only borrow what you can afford to repay.

How quickly will I receive the money? ▼

Most lenders transfer funds within 15 minutes to 1 hour of approval via Faster Payments. Some banks may take longer depending on their own processing schedule. Same-day transfers are available with most lenders on weekdays.

Are all lenders on this site FCA regulated? ▼

Yes. Every lender listed is authorised and regulated by the Financial Conduct Authority (FCA). You can verify any lender at register.fca.org.uk. We are also a registered credit broker with the FCA.

What happens to my personal data? ▼

Your data is encrypted using 256-bit SSL and processed in accordance with GDPR. We share your details only with FCA-authorised lenders for the purpose of finding you a loan offer. We never sell your data to third parties for marketing purposes.

What is the maximum APR I could be charged? ▼

The maximum APR across our panel is 1,721%. Under FCA rules, lenders cannot charge more than 0.8% per day interest, and the total cost of a loan (including fees) cannot exceed 100% of the original loan amount. This means you will never repay more than double what you borrowed.