Representative 99.8% APR (variable). Representative Example: If you borrow £500 over 52 weeks at a Representative rate of 99.8% APR and an annual interest rate of 99.8% (fixed), you would pay 52 monthly instalments of £13.41. The total charge for credit will be £197.32 and the total amount payable will be £697.32 Rates between 11.8% APR and a maximum APR of 1493.7%.

Late repayment can cause you serious money problems. For help, go to The Money Advice Service. High cost short term credit is unsuitable to support sustained borrowing over long periods and would be expensive as a means of longer term borrowing.

You should always refer to your loan agreement for exact repayment amounts as they may vary from our results. Read more about How Our Comparisons Work.

  • FCA Authorised
  • 100% Independent
  • Safe & Secure

Who we compare

We compare short term & payday loans from the best UK lenders

More lenders, more choice, more control

allthelenders is a free to use, independent and impartial price comparison website for payday loans and short term loans in the UK. We only compare direct lenders and there are no brokers on our site. Comparing the true cost of payday loans has never been easier, simply choose the type of loan you require, the amount you need, how long and click ‘Compare.’ We will return your results in just a few seconds.

We also offer an Eligibility Checker which will, after a few simple questions, give you a list of lenders that would be able to offer you a loan based on a soft search of your credit file - find the lenders that will accept you with no harm to your credit score.

allthelenders is completely free of charge to use, you will never be charged a fee to use any part of this website. You do not need to enter any personal details to use our comparison tools and can use it completely anonymously.

We perform tens of thousands of comparisons every month for customers all over the UK and our comparisons are fair and impartial. The results order the lenders by the total cost of the loan with the cheapest loan being displayed first. For those lenders that have the same charges, they are presented in a random order. We offer detailed information on every payday lender featured on the site to help make sure that you're getting the most suitable loan for your circumstances.

Please remember we offer a price comparison service for short term loans and we are an FCA Authorised Credit Broker - we are not a lender and are unable to assist you with queries relating to existing loans you may have.

Compare Now
Transparent Loans

Payday Loans and Short Term Loans From Direct Lenders

Transparent Loans

What are payday loans used for?

They are commonly used for emergency purposes and to cover your short term expenses when you are low on funds. This type of credit should always be used as a last resort but they do offer convenience when you need access to cash fast. You always have the option to repay early if you have the means to do so and this could result in a less interest charged.

The criteria to apply includes:

  • Over 18 years
  • UK resident
  • Valid debit card
  • Valid email address and mobile number
  • No recent bankruptcy, CCJ or IVAs
  • Employed and able to afford monthly repayments

How can I be accepted for a Payday Loan?

allthelenders offer a unique Eligibility Test which has been designed to help you find a lender that not only meets your exact borrowing needs but is more likely to accept your application based on your personal circumstances. There is no credit check involved, simply answer a few questions and we'll tell you the lenders that you would have the best chance of receiving a loan from.

What alternatives are available?

Payday Loans are not suitable for everybody and there are many, cheaper, alternatives available. Visit the Money Advice Service website for sensible advice and tips on how to avoid using this type of credit. In addition to payday loans, some of the lenders we feature offer more flexible instalment products over 3 to 24 months. This type of credit can be attractive to some people however, mainly because of:

  • No upfront fees
  • Same day funds available
  • No guarantor required
  • Bad credit considered
  • Instant decision

Compare Payday Loans and save money

We are extremely proud to have launched the UK's very first independent and completely impartial Price Comparison Website for the Payday and Short Term Loan industry. Never before have you been able to compare such a wide choice of lenders, loan amounts and durations as you can now. We are making the industry more open and transparent than ever before.

Our goal is to ensure you have a safe and trustworthy place to go to compare the cost of short term credit. By simply shopping, customers have been able to save up to £100 per loan and they and avoid being exposed to rogue or unlicensed lenders.

Will Payday Loans affect my credit score?

The use of these type of loans should be considered as serious a financial commitment as any other source of credit, including personal (bank) loans and credit cards. Direct Payday Lenders will search the records of various credit reference agencies and record their search as part of the application process. There is no such loan as a 'no credit check payday loan'.

Multiple applications to lenders will be recorded on your credit file and may impact negatively to other prospective lenders (payday or otherwise) in the future. When managing your loan, your borrowing history and how you handled the account (payments made against the loan etc) will be reported to the credit reference agencies and non-payment of a loan will impact negatively on your credit score and may result in you finding it difficult to obtain any further credit in the future.

You can find more information about your credit score, view your credit report and find out how you can improve this for all for free on the Money Saving Expert website.

What to consider before applying for a loan

You should consider whether a payday or short term loan is right for you before making an application to a lender. This type of credit is not suitable for those that may already be experiencing financial difficulty and should only be considered in financial emergencies.

There are many alternatives to payday loans which can be found on the Money Advice Service website which we recommend that you read before making an application. This type of credit is expensive if used incorrectly or over long periods of time and if you do not meet repayments can have severe consequences on your credit score.

For independent money advice and a list of alternatives, please visit the Money Advice Service. If you are worried about debt or are struggling to meet repayments with your creditors, please visit a debt charity such as Stepchange for free support.

Our website is completely free to use and always will be. It is simply funded by the lenders that appear on the site who may pay us a commission for the visitors that originate from We are not responsible for the content that is displayed on third party websites including lender websites that you may visit. allthelenders is a price comparison website, we are not a lender and are independently owned and operated.

What are payday loans?

A payday loan is a small, unsecured loan that should be repaid in full, along with any interest due, on your next pay date. Typically, a payday loan will be for between 5 and 45 days in length. Payday Loans should be considered a last resort to help you cover an unexpected cost.

Can I get a payday loan without having a credit check?

No, there is no such thing as a No Credit Check Payday Loan. You can use our Eligibility Checker to see if you would be accepted for a loan without it affecting your credit score, however, a lender would still require a credit check before a final offer would be made.

I have bad credit, can I still get a payday loan?

Yes, even with some history of bad credit you may still be eligible for a payday loan or a short term loan. Whilst having some bad credit doesn't automatically exclude you from getting a loan, you may be offered a higher interest rate than other borrowers.

Can I get a loan paid out today?

In many cases, yes you can. Payday lenders specialise in emergency cash loans and, depending on the time you apply, can typically transfer the funds into your account within 15 minutes of the loan being approved.

What is the best payday loan site?

allthelenders is an independent and impartial payday loan price comparison website. We compare the rates of more lenders than anybody else so if you are considering a short term loan, you should definitely check the lenders on our site first. We only work with trusted, FCA authorised lenders.

What is a short term loan?

A short term loan is typically a loan from £100 to £2000 that is repaid in less than 12 months. Short term loans in the UK are often referred to as payday loans, however, they are very different. Short term loans allow you to spread the cost of a loan over a defined period, making the cost of the loan more manageable.

Who are the best payday loan lenders?

There are many good lenders to choose from and we work with only the most trusted payday lenders in the UK. All of our lenders are fully authorised by the FCA. If you are looking for a payday loan, it is advised to choose a lender that openly displays their products on a price comparison website such as allthelenders.

Compare Now

You should always refer to your loan agreement for exact repayment amounts as they may vary from our results. Read more about How Our Comparisons Work.