Lists of Payday and Short Term Loans provider in United Kingdom


The Rising Trend of Payday Loans in the United Kingdom: A Comprehensive List of Authorized Lenders


The demand for payday loans in the United Kingdom has been steadily increasing, especially among individuals who may not qualify for traditional credit due to past financial challenges. Designed as short-term solutions for emergencies, payday loans offer temporary relief until the next payday, providing borrowers with the opportunity to regain financial stability.

Understanding Payday Loans:

When you find yourself in need of a quick short-term loan as a salaried individual, a payday loan can be a viable option to cover immediate bills until your next payday. These loans typically need to be repaid in full, along with any applicable interest, fees, and charges, on your next payday. However, it is essential to be aware that payday loans come with high-interest rates, making them one of the more expensive ways to borrow money. Due to their short-term nature, many payday loans are extended for just a few weeks, which can lead to financial troubles for borrowers who cannot repay them promptly.

Authorized and Regulated Payday Lenders in the UK:


For the purpose of this article, we have compiled a comprehensive list of authorized payday lenders regulated by the Financial Conduct Authority (FCA) in the United Kingdom. These lenders offer flexible credit repayment plans and lower interest rates, making them more manageable options for borrowers.

  1. Moneyboat Short Term Loan:
  • Loan Range: £200 to £1500
  • Interest Rate: 0.7% (Comparatively lower than other lenders)
  • Borrowing Period: Tailored to borrower’s preferences

How to Apply: Visit their online portal at

  1. The Money Platform Short Term Loan:
  • Loan Range: £250 to £1000
  • Interest Rate: 0.7% per day
  • Borrowing Period: 4 to 12 weeks

How to Apply: Apply for a loan on their website at

  1. Mr. Lender Short Term Loan:
  • Loan Range: £200 to £1000
  • Borrowing Period: Up to 6 months
  • APR: 1,462.3%
  1. QuidMarket Short Term Loan:
  • Loan Range: £300 to £600 for new customers, up to £1,500 for returning customers
  • Repayment Terms: 3-6 months
  • No Guarantor Required, Bad Credit Considered

How to Apply: Access the QuidMarket Short Term Loan application portal at

  1. Lending Stream Instalment Loan:
  • Loan Range: £50 to £1,500
  • Repayment Period: 6 months
  • Representative APR: 1333%

How to Apply: Apply for a loan through Lending Stream’s website at

Other Authorized Payday Lenders:

We have also compiled a list of other authorized payday lenders in the UK to consider:


Other on the lists are

2. Anico Finance
3. Auden
5. Capfin
6. Care Finance
7. Cash Converters
8. Cash Kitty

11. CashFloat
12. Conduit
14. Creditspring
15.Dot Dot Loans
16. Drafty
17.Fair Finance
18.Fast Loan UK

21. Fund Ourselves
23. H&T Finance
24. JL Money
25.Kabayan Finance
26.Loans 2 Go
27. Morses Club
29. myKredit

32.Oink Money
33. One Stop Money Shop
36.Piccadilly Loans
38.Pounds to Pocket

41. Response Funding
42.SafetyNet Credit
46.StepStone Credit
Swift Money

51.The Money Platform
52.The Money Shop
53.THL Direct
54.Tick Tock Loans
55.Track Loans
56.Uncle Buck

63.Trusted Quid
64. Zippa



Payday loans have become an increasingly popular option for individuals in the United Kingdom facing financial challenges. Despite their convenience, borrowers should exercise caution and ensure they can repay the loans on time due to the associated high-interest rates. The list of authorized payday lenders provided in this article offers options with lower interest rates and flexible repayment plans, making them more manageable choices for those in need of short-term financial assistance.

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