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Direct Instalment and Payday Loan Lenders

Our Direct Loan Lenders

The Lenders List was created to help customers looking for the best UK direct payday loan lenders and instalment loans in the UK with no brokers sites with broker forms. We work with a list of direct lenders that have agreed to be part of the site to help customers looking for online payday loans and instalment loans of up to £2500. We have ensured that all lenders are UK registered companies and regulated by the Financial Conduct Authority (FCA) who have a valid FCA license and treat customers fairly.


We have over 25 direct payday and instalment loan lenders listed on our site for you to browse and choose from, some will be new payday loan lenders that customers will not be familiar with, and some are old established but well known. Each loan direct lender listed will have a dedicated page explaining the type of loans that they offer, company statement and the minimum criteria to apply with this lender. We choose only to work with direct loan lenders and the reason for this is we know that these lenders will not charge broker fees and have money taken from your account for applying. Working with a direct lender ensures you are applying with a company that has funds to lend and not a broker who will pass your details multiple companies risking your details to fraud and spam. So if applying for a small payday loan or longer instalment loan we want to keep customers protected if this the type of loan you are looking for.

As you may have read in the press just like us, about how borrowers may be overpaying for their payday loans is why we believe making a list of lenders gives you choice and understand better which lender gives the best rates and who the direct lenders are. All payday loans and instalment lenders will have varying rates of interest so picking one lender over another can save you money and we are delighted to offer a service where consumers no longer have to settle for any lender that may approve but you can browse a mix of lenders to give you a more informed decision when applying with a direct lender beforehand.

The Lenders List acts as on online directory for loan lenders, we simply list loan companies who have agreed to partner with us. When clicking on the direct payday loan lender or instalment lender of your choice you will be taken directly to the lenders website where you will apply directly and if successful the funds can be in your account the very same day. We do not accept applications on behalf of lenders nor do we take any details from customers who visit our site we are a directory and not a lender.

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 than 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.

Research into the payday lending market:

Research carried out by The Lenders List shows that thousands of people are looking for payday loan lenders online. Payday companies have been around a very long time and trying to find a new payday loan can be very difficult at times with so many brokers about. We want to take the headache out of looking for payday loan lenders to save you time and effort looking for online payday loans. When looking for a payday loan direct lender in the UK always check the bottom of the lenders site or the about us section to see whether they are payday loans lenders, not brokers this should be visible on the lender’s site to give customers clarity but if it is not stated on the site try and contact the lender.

Trying to search for the best payday loan company or best payday loans in this industry is very difficult because majority of lenders will claim to be the best payday loan lender offering top payday loans but they need to attract visitors to complete an application with them so always do some research on the lender. Using The Lenders List you can see information on payday loan sites who the direct lenders are and the criteria to complete an application. We want to help customers looking for a payday loan online lender because we feel there are too many brokers in the market and feel it is better to apply directly yourself. An online payday loan direct lender will need you to complete an application online, and this will be the same with any payday loan company, but there are occasion where you can apply via phone, but the preferred method is online which you will find easier when looking for a quick payday loan.

At The Lenders List we strive to only list payday loan direct lenders who offer short term loans and whatever your situation for looking for an online loan lender be sure to know that we have verified that the lenders listed are UK registered and are regulated by the FCA. We want you to find payday loans direct and not through a broker who may charge fees by using our free service you will never be charged a fee by The Lenders List.

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.

All Our Lenders Have The Following Criteria

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

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.

Direct Payday Loan Lenders


FEE UP FRONT – Brokers will typically take a fee upfront 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 PANELS 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.

Knowledge Base

How does a payday loan application work? What is responsible lending?
How do payday loan repayments work? If I cannot repay my payday loan?
How do payday loans affect your credit rating? What are small payday loans?