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

Compare our list of lenders in the UK

Below is a list of direct lenders in the UK. The list is not exhaustive but contains lenders that provide short term loans in the UK.

The information provided below is correct as of April 2024 and is reviewed periodically.

Always check that a company appears on the Financial Conduct Authority register, which you can access here.

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. Representative 49.9% APR (Annual Percentage Rate).

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 69.9% APR.


CashASAP 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 1265.8% APR.


CashFloat have 2 different personal loan products. Their payday loans product allows customers to borrow between £300 and £1500 and repay between 3 and 9 months - Representative 611.74% 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 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 83.1% APR.


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.

Everyday Loans

Borrow between £1,000 and £15,000 with Everyday Loans, with repayment terms varying between 18 and 60 months. Representative 99.9% APR.

Finio Loans

Customers can apply for a personal loan ranging from £1000 to £5000 over the course of 12 to 36 months, with a Representative APR of 39.9%.

Fund Ourselves

A peer-to-peer lender that enables new customers to borrow between £100 and £800 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. Representative 1318.8% APR.

Lending Stream

Lending Stream loans start from £50, with the maximum loan amount capped at £1,500 on a 6-month repayment agreement. Representative 1333% APR.

Loan Pig

Loan Pig loans range from £50 up to £1,500 with repayment durations between 1-12 months. Representative 1261% APR.


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


Moneyboat give customers the option to borrow between £200 and £1,500, which can be repaid in 2, 3, 4, 5, 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 a loan between £300 and £1,500 with Quidmarket and repay over a 3–6-month period. Representative 1625.5% APR.


Apply for loan between £300 and £1,200 with Savvy. Repayment terms are 6, 8, or 12 months. Representative 336.5% APR.

The Money Platform

The Money Platform is a peer-to-peer lender connecting customers with private lenders.

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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 was a guarantor lender. They have begun the process of winding down their business and are no longer offering new loans.


From February 2020, AZUREmoney is no longer offering loans to new or existing customers.


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.


Ferratum are no longer accepting loan enquiries since the start of COVID-19 in March 2020.

Likely Loans

Likely Loans are no longer offering loans to new customers.


My Jar was placed in administration on 22nd December 2020.


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.


Cash On Go Ltd traded under the name Peachy. The company went into administration in March 2020.


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 Loans went into administration in 2021.


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 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.


They are no longer accepting applications from new or existing customers.


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.

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

CashLady Representative 79.5% APR