Active Lenders
118 118 Money
Borrow between £1,000 and £8,000 over the course of 12 to 36 months. 118 118 Money offer an online account to manage the loan. Representative 49.9% Annual Percentage Rate (APR). As of April 2026, 118 118 Money is rated ‘Excellent’ on Trustpilot, with an average score of 4.8/5.
Bamboo Loans
Bamboo Loans give customers the option of borrowing between £2,000 and £15,000 with repayment terms beginning at 12 months up to 60 months. Representative APR between 34.9% and 69.9%. As of April 2026, Bamboo is rated ‘Excellent’ on Trustpilot. They have an average rating of 4.9/5, and 93% of their reviews are 5*.
CashASAP
As of April 2026, CashASAP is rated ‘Excellent’ on Trustpilot. They offer loans starting from £200 with payment terms up to 6 months. First-time customers can borrow a maximum of £400. Returning customers can borrow up to £750. Representative 1266.2% APR.
CashFloat
CashFloat, rated ‘Excellent’ on Trustpilot as of April 2026, have 2 different personal loan products. Their payday loan product allows customers to borrow between £300 and £1,500 and repay between 3 and 9 months (Representative 611.74% APR). For those wanting to borrow between £1,000 and £2,500, the CashFloat personal loan option has a Representative 295.58% APR and can be repaid over 6 or 9 months.
Creditspring
Creditspring offers a membership loan service that aims to make borrowing simpler for people in the UK. As well as helping people to access loans, they also offer tips to help build your credit and a monthly Stability Score to see where you stand in terms of your financial wellbeing. Representative 48.1% - 88.8% APR. As of April 2026, Creditspring is rated ‘Excellent’ on Trustpilot, with an average rating of 4.8.
Drafty
Drafty offers a line of credit starting from £50 with a maximum amount of £3,000 available. The line of credit remains open for as long as you need, providing there are no payment defaults and you manage your account correctly. Representative 96.2% APR.
With over 16,500 reviews – 87% of which are 5* - Drafty is rated ‘Excellent’ on Trustpilot as of April 2026.
Evlo
Borrow between £1,000 and £15,000 with Evlo, with repayment terms varying between 18 and 60 months. Representative 99.9% APR. As of April 2026, Evlo is rated ‘Excellent’ on Trustpilot.
Lending Stream
Lending Stream loans start from £50, with the maximum loan amount capped at £1,500. Representative 1,271% APR. As of April 2026, Lending Stream has over 30,500 reviews on Trustpilot, with an average rating of 4.9/5.
LoanPig
Rated ‘Poor’ on Trustpilot as of April 2026, LoanPig offer loans ranging from £50 up to £1,500, with repayment durations between 1-12 months. Representative 1,261% APR.
Loans2Go
Loans2Go are rated ‘Excellent’ on Trustpilot as of April 2026. You can apply to borrow between £250 and £2,000 with a repayment term of either 18 or 24 months. Representative 679% APR.
Moneyboat
New customers of Moneyboat can apply to borrow between £200 and £800, whereas existing customers could get up to £1,500. Interest rates are fixed at 0.79% per day for duration of the loan. Representative 1,267.9% APR.
90% of Moneyboat’s Trustpilot reviews are 5*, giving them an overall rating of ‘Excellent’ as of April 2026.
OakbrookAdvance
Formerly Finio Loans, OakbrookAdvance has over 10,500 reviews on Trustpilot, and is rated ‘Excellent’ as of April 2026.
Customers can apply for a personal loan ranging from £500 to £5,000 over the course of 12 to 36 months, with rates starting at 39.9% APR Representative.
Quidmarket
QuidMarket offer loans between £300 and £1,500, with repayment terms of either 3, 4, 5, or 6 months. Representative 1300% APR.
QuidMarket are rated ‘Excellent’ on Trustpilot, and as of April 2026, they have an average rating of 4.9/5.
Salad
Salad is a UK-based direct lender, offering personal loans between £500 and £1,200, with repayment terms of either 12 or 18 months. Salad advertise a Representative APR between 69.9% and 79.5%, and is rated ‘Excellent’ on Trustpilot as of April 2026.
Savvy
Apply for a loan between £300 and £2,500 with Savvy and choose a repayment term of either 6, 8, 10, 12, 18, or 24 months.
As of April 2026, Savvy is rated ‘Excellent’ on Trustpilot.
The Money Platform
The Money Platform is a peer-to-peer lender connecting customers with private lenders.
Trustpilot reveals that 89% of The Money Platform’s reviews are 5*, and as of April 2026, they are rated ‘Excellent.’
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.
Amigo
Amigo was a guarantor lender. They have begun the process of winding down their business and are no longer offering new loans.
AZURE Money
From February 2020, AZUREmoney is no longer offering loans to new or existing customers.
DotDotLoans
Dot Dot Loans is a trading name of Shelby Finance Limited, owned by Morses Club Plc. Dot Dot Loans is no longer trading as an active lender.
Everyday Loans
Everyday Loans was rebranded to Evlo in March 2025 (see above).
Ferratum
Ferratum are no longer accepting loan enquiries since March 2020.
Finio Loans
Finio Loans rebranded to OakbrookAdvance in December 2025.
Likely Loans
Likely Loans are no longer offering loans to new customers.
Fund Ourselves
Fund Ourselves is no longer trading or accepting applications for credit. The peer-to-peer lender was placed into administration in July 2025.
Morses Club
Morses Club was a lender of doorstep loans and went into administration in November 2023.
MyJar
MyJar was placed in administration on 22nd December 2020.
Oplo
Oplo is now managed by Tandem Bank and is no longer an active lender.
Payday Express
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.
Peachy
Cash On Go Ltd traded under the name Peachy. The company went into administration in March 2020.
Provident
Provident Loans traded for 141 years as a lender offering short-term, doorstep loans.
Quick Quid
Quick Quid went into administration in October 2019 and no longer offer any loans.
SafetyNet Credit
SafetyNet Credit went into administration in January 2023.
Satsuma
Satsuma Loans went into administration in 2021.
Sunny
Sunny is a trading style of Elevate Credit International Limited. 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.
Tappily
Tappily went into administration and ceased trading in January 2023, and were therefore unable to continue lending to customers. Tappily stopped offering credit on May 31, 2023
The Money Shop
The Money Shop went into administration in October 2019 and are no longer trading.
Trusted Quid
Trusted Quid 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.
WizzCash
They are no longer accepting applications from new or existing customers.
Wonga
Wonga ceased lending and went into administration in August 2018. Previously they offered short-term loans to customers.