Representative APR 1223.6% (variable)- Interest 292% pa (fixed)


Short Term Loans

If you need cash in a hurry and your next salary payment is not due for several weeks, we may be able to help. We specialise in arranging quick short term loans for people in regular employment who have unexpected expenses to pay for and need to solve their problem as quickly as possible.

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

A simple process

You do not have to fill in dozens of forms or go into detail as to your reasons for borrowing money. Whether you have a great payment record or a bad credit history, just complete our simple online application form and we will search our panel of lenders.

No waiting

Once we have received your application, we will process it immediately and let you know our answer within minutes so you do not have to sit around for days on end waiting for a decision. We aim to match you with the most suitable lender for your needs without delay.

Why choose us?

With access to more than thirty financial institutions in the United Kingdom, we are able to help many people solve their cash flow problems. If, like our other customers, you have been asking yourself the question, where can I get a short term loan in the UK with no fees and all credit ratings accepted, then we have the answer for you.

If you're having serious financial difficulties you can obtain free advice from StepChange Debt Charity or the National Debtline.

Why Choose Paydayloan123?

Representative Example

£200 loaned for 28 days - total to repay £244.80 - interest rate is capped at 0.8% per day.

Free Loan Matching Service

We will match you with a UK lender in minutes and we charge no fees.

Quick Application & Fast Approval

We make the online application fast and simple. If accepted the funds may be in your account the same day.




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Collection Practice and Implications of Late or Non-Payment

A short term loan is not a long term financial solution. If you cannot meet the due date to repay your loan, then you must contact your lender immediately. Lenders will try to help if they can, but late payments normally incur extra fees. Please read your agreement as each lender have their own terms. If an agreement cannot be settled, the lender reserves the right to pass on your details to a third party debt collection agency. It is important that you realise non-payment can affect your credit ratings which could have serious implications and make borrowing money more difficult in times ahead.

We are a Broker and do not Charge Fees

We are not a lender and do not provide credit to consumers. If you make an application through this website it will be shown to a selection of our lending partners for their consideration. PaydayLoan123 does not charge borrowers a fee for the use of the brokerage services, but it receives a commission from lenders or other brokers where borrowers enter into a consumer credit agreement with lenders and brokers following an introduction through this website. As a broker we process the information you provide us and pass this onto our trusted third party lenders and brokers to help you apply for a loan.