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

  • Wizzcash

    Wizzcash, a UK direct loan lender offering short term loans of up to £1000

    Representative APR: 1265%
    Apply Now

    ABOUT THIS LENDER

    APR:
    1265% Representative

    Loan amount:
    £200 – £1000

    Loan term:
    3 Months

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  • The Quick Loan Shop

    A UK payday lender bringing you instant payday loans online and installment loans

    Representative APR: 1269.7%
    Apply Now

    ABOUT THIS LENDER

    APR:
    1269.7%% Representative

    Loan amount:
    £100 – £2000

    Loan term:
    7 Days to 12 Months

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  • Wage Day Advance

    WageDay Advance short term flexible loans £80 – £1000, Loans and repayments to suit you

    Representative APR: 1294.1%
    Apply Now

    ABOUT THIS LENDER

    APR:
    1294.1%% Representative

    Loan amount:
    £80 to £750

    Loan term:
    1 Month to 3 Months

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  • SafetyNet Credit

    Applicants can borrow from £100-£1000 for up to 5 months and spread repayments over months

    Representative APR: 68.7%
    Apply Now

    ABOUT THIS LENDER

    APR:
    68.7%% Representative

    Loan amount:
    £50 to £500

    Loan term:
    Ongoing as long as you keep up with payments

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  • H&T Personal Loans

    Offering short-term loans of up to £1000, no setup fees and same day funding available if approved

    Representative APR: 883.6%
    Apply Now

    ABOUT THIS LENDER

    APR:
    883.6%% Representative

    Loan amount:
    £50 to £1000

    Loan term:
    1 Month to 2 Years

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  • Piggy Bank Payday

    Borrow from £100-£1000 for up to 5 months and spread repayments over several months

    Representative APR: 1270%
    Apply Now

    ABOUT THIS LENDER

    APR:
    1270%% Representative

    Loan amount:
    £100 to £1000

    Loan term:
    7 Days to 5 Months

  • Money Boat Loans

    Money Boat is an instalment lender bringing you clear and manageable loans of up to £1500.

    Representative APR: 939.5%
    Apply Now

    ABOUT THIS LENDER

    APR:
    939.5%%

    Representative Loan amount:
    £200 to £1500

    Loan term:
    1 Month to 6 Months

     

     

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  • Fair Finance Loans

    Providing financial services to people who might not be qualified through traditional ways

    Representative APR: 135.8%
    Apply Now

    ABOUT THIS LENDER

    Read more
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Compare Direct Payday Loan Lenders, Short Term Loans and Instalment Loans

The Lenders List is a comparison directory site listing direct short term loan lenders, payday loans and instalment loans. The site was created for customers looking for best UK payday loan lenders and instalment lenders that will suit their needs.

We are partnered with some of best and popular UK loans lenders who have agreed to be listed with us. We only work with direct lenders and no brokers, we have no forms to fill in on our site so we will never take your details and all details are entered on the loan lenders site.

Customers looking for online payday loans or online instalment loans should use our site as a guide to what lenders may offer and the criteria you need to meet before you qualify to apply. You can use our search tool on the homepage to get an idea of what loan amount and lenght you are looking for and how much would need to be repaid. The results will display in lowest to highest based on final repayment. Our site is absolutely free and will never charge you to use our service.

We have ensured that all the lenders listed are UK registered companies that are regulated by the Financial Conduct Authority (FCA) and who hold a valid FCA license and treat customers fairly.

Choosing The Right Payday Loan or Instalment Loan For You

When choosing a loan please ensure you read the minimum requirement before you apply, without meeting these requirements your application may be rejected instantly.

Each of our partnered lender will have their very own page specifying the kind of loans which they provide and their company statement. We deliberately operate only with direct providers in order we can guarantee they will not charge any brokerage fees or fees for applications for loans.

You should only apply for a payday loan or instalment loan for immediate emergencies, only borrow what you need and nothing more and always try to pay back as soon as possible. Determine if you can afford to pay the loan back on your next payday, if not, then maybe a instalment loan may be better so you can spread the repayment over a few month, but be aware you will probably have to repay more on your loan.

OUR MISSION TO PROVIDING DIRECT UK LENDERS ONLY

Our customers 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 FRONT – 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.

the borrower. One way they may be able to offer such a service is by selling leads several to guarantee such a thing without carrying out the necessary credit and affordability checks on guaranteed to be successful. Realistically, no lender in the short-term loan market should be able  – Some brokers advertise loans applications that are 100% GUARANTEED OR ACCEPTEDtimes but it is key to remember that a lead is a person and this means selling on their details and putting them and their information at risk.

OUR PANELS 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 PRINT – 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.

Difference Between Direct Loan Lenders and Brokers

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.

Safely Choosing Regulated Direct Payday Lenders and Instalment Lenders

Another motive for choosing to utilise such direct lenders is the companies you apply to will give the money themselves rather than passing your personal details onto a range of brokers that could put you in danger to fraudsters and unwanted spam. Therefore, if you’re asking for a small payday loan or more term fund, we would like to make sure you’re protected.

We are sure that like us, you’ve read the headlines about borrowers overpaying for short-term and payday loans that’s why we believe that compiling a comprehensive list of lenders with information will be beneficial to you.

Together with the bad press and also scepticism surrounding payday loans as well as the principle changes brought in by the FCA, it is important to understand your many choices when considering borrowing as well as understanding the rates you would be paying. Most direct payday loan lenders will have different interest rates on borrowing so taking the time to compare companies will be able to help you to spend less.