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

Compare our list of direct lenders in the UK

At CashLady, when you apply for a loan, we search through our panel of lenders to find you the best loan to suit your needs. Given below is a list of direct lenders in the UK – many of whom are on the CashLady panel. The list contains lenders that provide short term loans, revolving credit and payday loans in the UK.

The information provided below is correct as of July 2023 and is reviewed periodically.

Active Lenders

118 118 Money

Borrow between £1,000 and £5,000 over the course of 12 to 36 months. 118 118 Money offer an online account to manage the loan and variable APR rates with no additional fee charges. Representative 49.9% APR.

Bamboo Loans

Bamboo gives customers the option of loaning between £2,000-£15,000 which can be repaid in as little as 12 months or anywhere up to 60 months. APR rates remain fixed throughout the agreement. Representative 69.9% APR.


Take out fast, smaller loans with CashASAP, with loans starting from £200 and capped at £750. Repayment terms of 3 to 6 months. First-time customers can borrow a maximum of £400. Returning customers can borrow up to £750. Representative 1269.8% APR


CashFloat have 2 different personal loan products. Their payday loans 2.0 product allows customers to borrow between £300 and £1500 and repay between 3 and 9 months (Representative 611.7% APR). For those wanting to borrow between £1500 and £2500, their CashFloat personal loan has a Representative 295.58% APR and can be repaid over 6 or 9 months.


Creditspring is a trading name of Inclusive Finance Limited. It offers a membership loan service that aims to make borrowing simpler and cheaper for people in the UK. As well as helping people to access loans, they also offer tips to build your credit and a monthly Stability Score to see where you stand in terms of your financial wellbeing.


Drafty loans start from as little as £50 with a maximum amount of £3,000 available. It is a line of credit that remains open for as long as you need providing there are no payment defaults. Representative 96.2% APR

Everyday Loans

Borrow between £1,000 and £15,000 with Everyday Loans, with repayment terms varying between 18 and 60 months. They are a direct lender and interest rates are fixed. Representative 99.9% APR

Finio Loans

Finio Loans let their customers apply for a personal loan of different amounts ranging from £1000 to £5000, over the course of 12 to 36 months. With a Representative APR of 39.9%. They aim to process and pay the loan into your account within 24 hours.

Fund Ourselves

A peer-to-peer lender that enables you to borrow between £100 and £800 for new customers, which must be repaid within 4 months in equal instalments. Existing customers can borrow up to £1,500 which is to be repaid in 6 monthly repayments. They offer no late or early repayment fees. Representative 504.7% APR

Lending Stream

Lending Stream loans start from only £50, with the maximum loan amount capped at £1,500 on a 6 month repayment plan. They promise a fast decision and near-instant transfer of funds. Representative 1333% APR.

Loan Pig

Loan Pig loans range from only £50 up to £1,500. You can repay the full amount (plus interest) anywhere between 2-12 months. APR rates are fixed for the full loan period. Representative 1261% APR.


Apply for a loan of up to £2,000, or for as little as £250 with Loans2Go. They are a direct lender and offer repayment terms of 18 to 24 months. Representative 770% APR.


Moneyboat give you the option to borrow between £200 and £1,500, which can be broken down into 2, 4 or 6 monthly instalments. Interest rates are fixed at 0.7% per day for duration of the loan. Representative 939.5% APR.


Customers have the option to take out anywhere between £300 and £1,500 with Quidmarket and repay over a 3-6 month period. Repeat customers may be offered more flexible terms. Representative 1299.6% APR.


Apply for loan between £300 and £1,200 with Savvy. Repayment terms are 6, 8, or 12 months. Representative 1291.1% APR

The Money Platform

The Money Platform allow you to repay loans ranging from £250-£1,000 across a 4, 6, 8 or 12-week period. Representative APR 839.2% with daily interest between 0.7% and 0.8%. They are a peer-to-peer lender connecting customers with private lenders.

Get my personalised quote

CashLady Representative 79.5% APR

Inactive Lenders

The following lenders have either gone into administration or are no longer offering new loans at the time of writing. We have kept them here for reference, but please be aware that this content is no longer updated.


AZUREmoney is trading name of Beauly Financial Services Ltd. A London based credit provider that provides unsecured personal loans to their customers.


Dot Dot Loans were a lender that offered short-term loans from £100 to £1000, repayable over 3, 6 or 9 monthsto thier customers.


Options to take out a short-term loan of up to £1,000, with repayment term options of 2 to 4 months. Ferratum are no longer accepting loan enquiries since the start of COVID-19 in March 2020.

Likely Loans

Choose between repayment terms of 12, 24 and 36 months for loans between £500 and £5,000. Likely Loans promote a simple application process and welcome people with bad credit. Representative 59.9% APR.


MYJAR loans did range between £100 and £2,000, which were to be repaid in 3, 6 or 12 monthly instalments. My Jar was placed in administration on 22nd December 2020.


Oplo (Previously 1st Stop Loans) position themselves as a specialist lender for tenants and homeowners. Unsecured personal loans range between £2,000 and £25,000 which repayment terms from 2 to 7 years. Representative 28.5% APR.

Payday Express

Payday Express were a former lender who offer short-term loans to customers. They stopped offering new loans to customers in October 2017 and are no longer trading.

Payday UK

Payday UK was the sister company of Payday Express, offering short-term payday loans. Similarly, they also stopped trading in October 2017.


Cash On Go Ltd traded under the name Peachy and previously offered short-term loans between £100 and £1,000. The company went into administration in March 2020.


You can loan between £50 and £1,000 pounds with Pixie on repayment terms ranging up to 90 days. They also state that people with all credit history types can apply.

Quick Quid

Quick Quid were previously a direct lender who offered loans up to £1,500. The company went into administration in October 2019 and no longer offer any loans.

SafetyNet Credit

If you use SafetyNet Credit’s Smart Top-ups option, it will automatically top up your account before you enter into your overdraft. First-time borrowers can request between £100-£500, repeat customers up to £1,000. Representative 68.7% APR (variable).


Satsuma allow you to borrow up to £1,000, with loans starting from £100. Repayments can be anywhere between 3-12 months. No fees are applied for any late payments. Satsuma are currently unable to provide loans to new customers due to the ongoing pandemic. They claim on their site that they will restart operations but no date has been given for this.


Sunny is a trading style of Elevate Credit International Limited. They marketed themselves as a provider of “fast and flexible loans” providing short-term loans to customers with an emphasis on providing a fair service. They were placed in administration on 29 June 2020.

Swift Sterling

Since entering into administration in December 2019, Swift Sterling are no long accepting new loan requests. Previously they offered short-term loans of up to £1,000.

The Money Shop

The Money Shop went into administration in October 2019 and are no longer trading. This means the short-term loans that used to be offered are no longer available.

Trusted Quid

Loans of £250 up to £1,500 were once made available through Trusted Quid. The company is now closed and no longer trading.

Uncle Buck

Uncle Buck are not accepting new loan applications after going into administration in March 2020.

Wageday Advance

Wageday Advance went into administration in February 2019 with most existing loan accounts transferred to Shelby Finance Limited.


Loan amounts started at £300 and were capped at £1,000, with repayment terms from 1 to 36 months. No early repayment fees were applied as well asno interest for the period when you did not have the loan. They are no longer accepting applications new or existing.


Wonga ceased lending and went into administration in August 2018. Previously they offered short-term loans to customers.

CashLady Representative 79.5% APR

Representative Example

Amount of credit:
£1000 for 12 months
at £123.40 per month
Total amount repayable of £1,480.77
Interest: £480.77
Interest rate: 79.5% pa (fixed)
79.5% APR Representative

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

Compare Payday Lenders - Click here to see a comparison table of lenders including loan amounts and repayment terms.

Our lender pages

Get your personalised quote today!

How much do you want to borrow? Representative 79.5% APR

CashLady Representative 79.5% APR