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Welcome To The Lenders List

The Lenders List is an online directory comparison site that list only verified UK direct loan lenders. Using the site is simple, we list only direct lenders that can also be compared using our lender search page. When you see a lender on our site you can go that lenders page within our site to get more details on what loans they offer and the minimum criteria you need to meet before applying. We have instalment loan lenders, payday loans lenders and even guarantor loan lenders. Some lenders may limit how much you borrow first time if approved and the criteria may change from time to time so it is imperative that you click through to each lender to get further details on what is offer before applying.

What payday loans are?

Payday loans are loans designed for short term immediate emergencies to help people cover their short-fall till payday in the event of a financial problem. Payday loan lenders typically lend from £50 up to £2000 and usually need to be repaid on your next payday but some lenders may be flexible and let you pay back on your following payday.

What payday loans could be used for?

Customers can get a payday loan for many reasons but it is for short term emergencies and not to be used as a long term solution. Payday loans could be used for fixing problems with your vehicle, essential repairs that need to be done at home such fixing boilers and payday loans are even taken to cover living costs such as food and travel if you are caught short.

Getting a payday loan from a direct payday loan lender

If you want to obtain payday loans via our directory of lenders, then you will be in touch with direct lenders only. As a partner to loan lenders, we will only list  and work with direct lenders of payday loans and they will handle your application directly. None of our partners will charge any fees upfront just for applying making the payday loan process simple and easy giving you decisions on the same day on most occasions.

Getting a payday loan from an approved FCA lender

When you are searching for payday loans, we always suggest that it is imperative that you do an application with a reputable and approved lender. Working with an approved lender means that your application with be handled by a responsible lender who has to follow guidelines by the FCA who regulate this industry. To make things easier when applying for a payday loan the follow these procedures:

What are instalment loans?

This is a type of long that is borrowed over a longer period and allows people to repay back their loan over a number of agreed months. This gives customers flexibility to pay a lower amount each month making it much more manageable and can pay back what’s owed without being charged any unnecessary fees. The amount you can borrow first time will vary between lenders so ensure when you click through to a direct instalment loan lender that you check what amounts are available and the period you can borrow for. Instalment loan lenders can lend anything from £100 to £2000 and for up to 12 months. All loans approved are subject to status and affordability checks so you may be offered a lower amount than requested if approved.

How is an instalment loan different to a payday loan?

With a payday loan traditionally they need to be paid off on your next immediate payday. With an instalment loan you could borrow say for example £1000 for 12 months, based on the interest charged, a direct instalment loan lender will take a smaller payment form your account each month for 12 months till the loan and interest is cleared off but you will pay more interest when the loan is taken for a longer period. If you took £500 as payday loan then the lender will take the loan amount and any interest charged in one lump sum payment.

Responsible lending from instalment and payday loan lenders

The Lenders List believe that payday loan and instalment loan application should be treated equally and fairly. The objective from all our direct lending partners is to:

When looking for a responsible lender look for the following:

All lenders list with us are approved by the FCA and have been verified.

When completing a payday/instalment what checks are done?

Direct lenders need to complete a number of checks before approving your application. This will include:


Our lenders commitment

Direct Lenders

We only work with direct loan lenders from the UK that are verified and approved by the FCA. Our site will never charge you for using our service and will never ask for personal or financial details as we only list lenders and not give out loans

No brokers fee

We charge no fees for using our sites and when applying for a loan through our partners they too should not charge any fees before an application is approved and funded. Avoid companies that charge a fee before approval

Responsible lending

All the direct lenders listed on our site have been checked and verified using the official FCA register if they are allowed to carry our financial loan services, always use an approved lender to avoid being scammed or risking your details

Your privacy

The Lenders List will never take any of your personal details or financial details as we are not a lender we are a site that lists direct lenders so be assured your details will not be at risk by using our site as we completely free to use

Our Direct payday loans

Research carried out shows that the number of potential borrowers looking for short term loans is well into the thousands. Direct Payday loan lenders have been around for a number of years, and it can often be difficult to find the right option for you when there are so many choices. We want to simplify the process by saving you time and hassle in your search for the right short-term loan.

An important point when looking for a direct payday loan lender is to ensure you always check the website to find out whether they are a direct lender or a broker. This information should be at the bottom of the web page or in the ‘About Us’ section of the website. If it is not clear, then contact the company by email or phone directly to make sure.

Attempting to find the best direct payday loan option for you can be a complicated process due to the enormity of the market. Many will claim to be best for you, offering great rates and deals to entice you to fill in an application. It is important to remember that these companies are trying to win you over so you need to conduct some thorough research on the direct lender.

Using our review pages for each lender you can see information on who the direct l enders are and their specific criteria when completing an application. Our aim is to help customers who are looking for an online payday loan because we feel that applying directly is the best option in a market filled with brokers. A direct payday loan provider will typically require you to complete an application online; this process will be the same with any payday loan company. However, there are some cases you can apply via phone, but the preferred method is online which you will find easier when looking for a quick payday loan.

We strive only to list direct payday lenders who specialise in short term credit and no matter what your situation when looking for a loan, we want you to be safe in the knowledge that we have verified that each of the lenders listed is UK registered and are regulated by the FCA. We want you to find payday loans directly rather than going through a broker who may charge you fees.

It is important to note that there is a significant difference between direct lenders and brokers. With a broker, borrowers are encouraged to fill in their details on the broker’s website and once complete; they will be recommended to a direct lender. The broker usually takes a fee from the lender and the customer for making the introduction in this case which is often taken automatically and can range from as little as £5 to as much as £70. This fee may be taken without a loan being approved for the customer; they are essentially charging for a service for you to be passed on to other lenders and brokers. In some cases, an individual who applies with a broker will have their details shared with lots of other brokers and similar payday companies and still not be approved by any lender.

Our visitors turn to payday loan sites when they need assistance and the last thing they need is to be charged for these services or have their personal details shared without consent. For this reason, The Lenders List has compiled a brief list of things to look out for when applying for a short-term loan; although every lender is different, there are some shared traits to look out for:

Fee up

Typically, brokers charge a fee of up to £70 just for applying for a loan through them and yet your loan is not guaranteed. Brokers will put you in touch with lenders that you could have found yourself through search engines or The Lenders List.

The fees they charge may be mentioned in the small print on websites and comes under different names such as ‘Membership’ fees. This fee is then charged to you and all you often get back is emails recommending different possible lenders.

100% guaranteed
or accepted

Broker sites may claim that they can offer a guaranteed successful loan application. However, all responsible lenders in the high-cost short-term loan industry should not be able to credibly guarantee a loan without performing the necessary credit or affordability checks on the applicant.

Brokers often justify this claim if the customer is originally declined and their ‘lead’ is sold on enough times to other companies, they may eventually find a loan although this might incur fees and put their personal data at risk.

Our panel
of lenders

By stating that they are working with ‘a panel of lenders’ on their website they are suggesting that they are not themselves a direct lender but a broker that acts as a middleman who can put you in touch with direct lenders.

By recognising and understanding the terminology that companies adopt, you will be able to differentiate between a payday loan broker and lender with more ease.

The small

Many of us tend to ignore the small print but by having even a quick skim through the terms and conditions before completing a loan application you will be able to identify if there are any fees for applying and also whether the loan company is indeed a broker or a direct lender.

This key information can usually be found beside the tick-box at the end of a loan application or within the footer of the page in the small print. If it is not clear whether the company is a lender or a broker, it is best to contact them via phone or email to be safe rather than sorry.