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top 12 Featured Payday Loan Direct Lenders

Welcome to The Lenders List!

TheLendersList.co.uk is an online directory of Direct Payday Loan Lenders. The Lenders List was set up to help customers find the best lenders when looking for a payday loan of up to £1,500. We have very carefully selected the lenders that we work with to ensure that they are registered companies in the UK, have a valid consumer credit license and treat customers fairly.

We have over 30 payday direct lenders on our list for you to choose from. Each lender has a dedicated page on our site explaining the types of loans that they offer and the checks that they run. Every month, we will show a new list of 8 featured lenders which we select ourselves. This gives our users a variety of lenders to choose from and we base these selections on the lender’s reputation and commitment to responsible lending. The reason that we choose to work with direct lenders is so that customers will not be charged broker fees and have money taken out of their account for applying. Like you, we’ve read in the press about how borrowers may be overpaying for their payday loans which is why it is important to see what other lenders are out there. Payday loan lenders have different rates and by simply choosing some lenders over others, borrowers may be able to save hundreds of pounds a year and we are thrilled to offer a service that can help people save money.

The Lenders List acts as an online directory, simply listing the loan companies that we have partnered with. After clicking on the direct payday lender of your choice, you will be taken directly to their site where you can apply and receive funds on the same day provided you are successful. By applying through The Lenders List we will not share your details with anyone else and most importantly, we will not take any fees from your account. Our website is on a secure server meaning that it starts with https:// rather then http:// giving our users that little bit extra protection from external sources. To sum up, The Lenders List offers a free, secure and useful list of payday loan direct lenders.


Companies featured on The Lenders List must have the following criteria:

Direct lenders – all our lenders are direct lenders and will not process your application through any other middle men.

Responsible Lending – all our lenders must have a consumer credit license and follow the regulation of the Financial Conduct Authority (FCA).

No Broker fees – our lenders must not take any upfront fees or broker fees automatically from the customer’s account for simply applying.

payday loan direct lender

A payday loan direct lender offers loans of up to £1,500. A payday loan typically lasts between 14 and 30 days and is used for emergency purposes. Customers will borrow the money to tide them over until payday so they can repay their loan when their salary clears at the end of the month.

The main advantage of working with a direct payday loan lender is that you are working directly with the company and there are no ‘middle men.’ You can apply on their site and if successful, they will directly transfer the funds to your account on the same day and directly collect the repayments from you too.

By comparison, if you apply with a broker, they will process your application by recommending you to other direct lenders and they may take a fee from you in the process. Brokers have been known to take fees of up to £70 immediately from a customer’s account before the loan has been approved. Therefore, by choosing a direct payday lender as your first port of call, you avoid money being taken out of your account unauthorised and having your details shared amongst other lenders.


There is a difference between direct lenders and brokers. With a broker, they will encourage a customer to fill in the details on their website but once complete, they will recommend them to a direct lender usually taking a fee from the lender and the customer for making the introduction. The fee that is sometimes automatically taken from the customer’s account and ranges from as little as £5 to as much as £70. This fee may be taken without a loan actually being granted to the customer, they are essentially for the service to be recommended to lots of other lenders. In some cases, an individual who applies with a broker will have their details shared with lots of other brokers and similar payday companies – causing the customer to be bombarded with phone calls, text messages and emails.

The diagram below shows a visual of how a direct lender works compared to a broker:






Payday Loan no Broker

Since customers are visiting payday loan sites in order to obtain short term funds, the last thing that they want is to have unsolicited fees taken out of their account and their personal information shared. With this in mind, The Lenders List offers a short guide to allow customers to spot a payday loan broker when applying for a short-term loan. Whilst this is not always easy, there are a few common traits:

Fee up Front – Brokers will typically take a fee up front of up to £70 for simply applying. This may be mentioned in the small print but your loan will not be guaranteed as you will simply be put in touch with other direct lenders that you could have found on Google or The Lenders List for free. Ways that brokers might present this are as a ‘Membership’ up front and once you have signed up, you will receive emails with recommendations of different lenders to use.

100% Guaranteed or Accepted – A broker may say that they offer a guaranteed successful loan. However, responsible lenders in the high-cost short-term loan industry should not be able to guarantee you a loan without running any proper credit checks or affordability checks. The way they might be able to justify selling a guaranteed loan is if the customer is declined and their ‘lead’ is sold enough times, they may eventually find a loan although this might incur fees and put their personal data at risk.

Our panel of lenders – by mentioning that they work with ‘a panel of lenders’ on their site suggests that they are not a direct lender but a middleman who can put you in touch with direct lenders. By understanding the terminology a bit better, you will be able to differentiate between a payday loan broker and lender.

The small print – a lot of us ignore the small print but having a quick check of the terms and conditions before you complete your loan application will be able to tell if there are any fees for applying and whether the loan company is indeed a broker. This information can be found in the information next to the box you have to tick before completing the application or on the footer of the page in very small print. If it is not obvious that the website is a lender or a broker, there is no harm simply sending an email to the website or ringing them on the phone to find out more.

Below we have created a few pages with essential information regarding to payday loan applications including how the process works and the funds are transferred to your account, the types of checks that lenders do when underwriting your loans, the implications on non-repayment and the responsible lending criteria. It is important to familiarise yourself with this information before applying.


Useful information

How does a payday loan application work?

How do payday loan repayments work?

What happens if I cannot repay my payday loan?

How do payday loans affect your credit rating?

What is responsible lending?