Short Term & Payday Loans - £100 to £1500
WARNING: Late repayment can cause you serious money problems. For help, please visit the Moneyhelper website.
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Compare live rates from the UK's best Short Term lenders

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Free to use | FCA Authorised | UK Company | The UK's best Short Term Lenders

Representative Example: Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 60 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

^Making an application on allthelenders will not affect your credit score. If a lender or broker accepts your application you will be redirected to their website to finalise your loan and the lender or broker may perform a full credit check. We are a credit broker and not a lender. 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

Compare longer term bad credit loans here

Loans from £500 to £15,000 from 1 to 5 years

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Comparison results are displayed below. We are independant and impartial. Results are listed in order of the total amount payable from the lowest to the highest.



Compare live rates from the UK’s best lenders

allthelenders is a free to use, independent and impartial price comparison website for a wide variety of personal finance products including payday loans, personal loans and short term loans in the UK. For more than 9 years we have been independently comparing some of the biggest and best short term and payday lenders up and down the country.  

Over the years, we have worked with and compared over 120 different lenders and we have always been at the forefront of the payday loan comparison industry.  If you want to know the lenders that we are comparing right now, why not check out the Our Lenders page where you can see a list of every lender that is active on the site right now.

We pride ourselves on keeping our rates up to date and providing you with accurate comparisons.  You can use our services with confidence that the rates you see are representative of the rates that the lender offers.  It’s important to remember, however, that the rate you are offered may be different to the one we present here, this is because many lenders will offer you a rate that is tailored to your personal circumstances, you find out more about why this happens here.

allthelenders is completely free of charge to use, you will never be charged a fee to use any part of this website or any of our services. You do not need to enter any personal details to use our comparison tools and can use it completely anonymously.  If you’d like to know a bit more about how our comparisons work, why not check out more information about this here.  We are a credit broker and not a lender.

Independent, trustworthy and impartial

Using an independent price comparison website helps ensure that you always get the   best deal.  We cover a considerable percentage of the market and can often bring you rates from lenders that you may not come across on other sites or have heard of before.  Use our industry expertise to get access to the widest range of lenders on the market.

allthelenders is a website that you can trust.  We are an FCA Authorised business and we are a UK company.  Your data is safe with us and is fully encrypted when making an application to a lender and the lenders that we work with are all fully authorised by the FCA.

Check your eligibility, without affecting your credit score

When making a comparison, you are able to check your eligibility for a payday loan with any lender that you choose.  By using our quick and simple application form, we will present your details to the lender and if you are eligible for a loan we will transfer you to their website, but if you are not eligible, we will try our full panel of lenders and brokers until we find you a suitable match.

Applying with allthelenders does not affect your credit score and you’ll get a decision in under 2 minutes.  Plus, if you are not eligible for the lender of your choice we can find you an alternative without you having to make multiple applications, saving you time.

We perform tens of thousands of payday loan 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 and credit broking service for short term loans and payday loans – we are not a lender and are unable to assist you with queries relating to any existing loans you may have.

Compare longer term bad credit loans here

Loans from £500 to £15,000 from 1 to 5 years


Payday Loans & Short Term Loans from Direct Lenders

What is a payday loan?

A payday loan is a small, short term loan that’s purpose is to give you temporary financial aid in an emergency.  Payday loans are typically taken for any period from 1 to 12 months and are repaid in regular monthly instalments.  Typically, a payday loan would be for between £100 and £400 although some lenders may offer larger loans for first time customers.  You can find out more about Payday Loans in our Support Hub.

What is the difference between a Payday Loan and a Short Term Loan?

Several years ago there was a clear difference between a payday loan and a short term loan, however, in recent times they are now largely considered the same thing.  A traditional payday loan – a small, high interest loan that would typically be repaid within 30 days, is now very hard to find and most lenders do not offer this type of loan any longer.  Lenders now offer loans over longer periods that are repaid in monthly instalments and those loans that are for less than 12 months are now referred to as short term loans.  Click here to find out more about Short Term 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 being 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

It’s important to remember that every lender has their own eligibility criteria and scorecards.  We provide detailed application criteria for every lender we work with and you can always check your eligibility for a loan with any lender you choose.  Why not check out all of the lenders we work with on the Our Lenders page.  

How can I be accepted for a Payday Loan?

There is no simple answer to how you can get accepted for a payday loan, however, the first step to acceptance is ensuring that you provide honest and accurate answers on your application. By using the application available on allthelenders, we can search the entire market for you and find you the very best deal on your next loan.

Of course, there are always other steps you can take to increase the likelihood of getting accepted for a loan.  Avoid defaulting on your other credit accounts, stay within your credit limits and not making too many applications are just a few things you can do to help boost your credit score and increase your chances of getting accepted.

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 12 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 Live Rates For Short Term Loans Now

(Loans from 3 – 12 months). Representative 49.7% APR.


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 around, customers have been able to make considerable savings on their loans 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 Check My File website (30 day free trial then £14,99 per month thereafter, cancel any time).

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 and the cost of your loan is never impacted by our relationships with a lender. 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.

Warwick Financial Services Limited is an authorised credit broker and not a lender. We may receive a commission from a lender that accepts your loan application, this commission does not affect your chances of acceptance nor the cost of your loan.  Find out more about how our comparisons work here.