Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.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 May 2021 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 £1,000-£8,000 which can be repaid in as little as 12 months or anywhere up to 60 months. APR rates remain fixed throughout the agreement. Representative 59.7% APR.

CashASAP

Take out fast, smaller loans with CashASAP, with loans starting from £100 and capped at £750. Repayment terms of 35 days or up to 6 months. First-time customers can borrow a maximum of £400. Returning customers can borrow up to £750. Representative 1288% APR

CashFloat

CashFloat have 2 different personal loan products. Their payday loans 2.0 product allows customers to borrow between £300 and £1000 and repay between 3 and 6 months (Representative 543.48% APR). For those wanting to borrow between £1000 and £2500, their CashFloat personal loan has a Representative 295.58% APR and can be repaid over 6 or 9 months.

DotDotLoans

Dot Dot offers two different loan products. The first is a short-term product offering customers loans from £100 to £1000, repayable over 3, 6 or 9 months, with a Representative 824.7% APR. The second is for loans in the range £1500 - £5000, has a Representative APR of 79.4% and can be repaid over a period up to 48 months.

Drafty

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 89.7% 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

Fund Ourselves

A peer-to-peer lender that enables you to borrow between £50 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 508.85% 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.

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.

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.

Loans2Go

Apply for a loan of up to £3,000, or for as little as £250 with Loans2Go. They are a direct lender and offer repayment terms of 18 to 24 months. Representative 1013.3% APR.

Moneyboat

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.

MrLender

Loans at Mr Lender start at £200 and range up to £1,000. 3 and 6 month repayment plans are available, with no late fees for missed payments. Representative 1242.3% APR.

Oplo

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.

Quidmarket

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 1301% APR.

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).

Savvy

Apply for loan between £300 and £3,000 with Savvy. Repayment terms are 8, 12, 15 or 24 months. However, loans for 24 months are currently only offered to existing customers. Representative 341.7% 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. They are a peer-to-peer lender connecting customers with private lenders. Representative 839.20% APR.

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Representative 49.9% 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.

AZURE Money

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

Ferratum

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.

MYJAR

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.

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.

Peachy

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.

Pixie

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.

Satsuma

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

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.

WizzCash

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

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

Representative 49.9% APR

Representative Example

Amount borrowed: £1200 for 18 months
Number of repayments: 18
Interest rate p/a: 49.9% (variable)
Each repayment amount: £90.46
Total amount repayable: £1628.28

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

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


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