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

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The Lenders List is a free loan comparison directory designed to help borrowers looking for direct payday loan lenders as well as instalment loans in the UK.

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Direct payday lenders

Our range of direct payday and instalment loan lenders displayed on the site to give you a chance to explore your various options. Some of these companies will be well-known names that you may have come across, with others being new loan lenders that you may not be familiar with.

The Lenders List acts as on online portal which lists a host of direct loan lenders. Our role is to simply list loan lenders who have agreed to partner with us for this service. We have a wide selection of direct payday and instalment loan lenders listed on our site for you to look through and choose between. Some of these lenders are new payday loan lenders that customers may be unfamiliar to you whereas others are more established and better known.

Each of our partnered lender will have their own page specifying the type of loans that they offer and their company statement as well as their minimum criteria for potential l enders. We intentionally work solely with direct providers so that we can ensure they will not charge any brokerage fees or fees for applications for loans.

Another reason for choosing to work with these direct lenders is that the companies you apply to can lend the funds themselves rather than passing your personal details onto a range of brokers which could put you at risk to fraudsters and unwanted spam. So, whether you are applying for a small payday loan or longer term finance, we want to ensure that you are protected.

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

With the bad press and scepticism surrounding payday loans and the rule changes brought in by the FCA, it is important to understand your many choices when looking into 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 can help you to save money.

We aim to make the process as simple and transparent as possible. You can just click on the payday loan lender or instalment lender of your choice and you will be directed straight to their website where you can submit your application directly to them. Then, if your application is successful, you could have the funds available in your account on the same day. As The Lenders List itself is not a loan lender, we do not accept any applications on behalf of lenders or pass on any confidential information. The Lenders List we will not take or share your details with anyone else and most importantly, we do not charge you for using our site.

Our lenders commitment

Direct Lenders

We only work with direct lenders who will not process your application through any broker sites.

No brokers fee

Lenders must not take any upfront fees customer’s account for simply applying.

Responsible lending

Our partners will hold a valid consumer credit license and follow the regulation of the Financial Conduct Authority (FCA).

Your privacy

Our focus is on you and with that in mind our lenders will never contact you without your consent.

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
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.

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
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.