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Compare Payday Loan Lenders

The Lenders List is a free online comparison directory listing payday loan lenders and instalment loan lenders. We work with many different lenders and allow you to choose and compare best payday loans online to find the best one for you. Click on a lender to get more information and apply directly.

SafetyNet Credit

The Quick Loan Shop

Money Boat Loans

Loans 2 Go

Wage Day Advance

Piggy Bank

Peachy Loans

247 Moneybox

Fair Finance Loans

Lending Stream Loans

H&T Personal Loans


When people are comparing payday loan lenders, they are usually looking to borrow up to £1,500 and repay on their next pay date. Finding a lender is one thing but the main reason for going through a payday loans comparison site is so you can actually save money on the loan you plan to take out. With all the lenders we feature offering different loans and prices, there is no doubt that by doing some research, you will be able to take out the same amount and repay less.

A key feature of The Lenders List, is that we only feature specific lenders. We have carefully selected the lenders we feature to ensure that they can directly transfer funds to your account and are not brokers. We appreciate that when customers are looking to apply for a loan its because they want money to pay for an emergency expense such as rent, bills and other household expenses. For this reason, the last thing they want when they apply is to have an unsolicited fee taken out of their account and that is why we do not recommend brokers on our site. Every month, we list our favourite lenders and all you have to do is simply choose the lender you prefer and click on their logo to apply on their website. We will not store your details or charge you for using our service. Once you apply on the lender’s website, they will carry out a series of checks and if you are successful, the funds can be sent to you on the same day. Be sure to click on the drop down menu to see our full list of lenders or you can click on the ‘more details’ button above where you can see more information about each individual lender such as when they started trading, the costs of a loan and the types of checks that they do.


Payday loans no credit check are searched by customers looking for lenders who do not use credit check as part of their decision process. This is because the customer believes that their application may not be successful based on their previous record of paying credit cards, loans or bills. For this reason, customers are looking for payday loans no credit checks that are companies that can still offers loans despite not carrying out such checks. Instead, the lenders will look at other factors such as employment and age when deciding if the person is eligible for a loan. In addition, the lender may offer a secured loan which means the customer will have to put something down as collateral such as a car or house and risk losing this if they fail to meet repayment. Please be aware every lender will do a credit check and then it is up to the lender how they wish to proceed with your application.


Age – What is the minimum age to apply? What is the maximum age to apply?
Employment – Do you need to be in employment to be eligible for a loan? A minimum salary that you need per month to apply?
Credit Checks – Does the lender run credit checks when deciding who gets a loan?

One check that is very important in the underwriting process is something known as ‘affordability checks.’ This refers to checking how much a customer can afford to borrow and repay. Since all lenders have to follow the FCA’s procedure for Responsible Lending, lenders have a responsibility to check that their applicants can afford to repay their loans. This is achieved by checking that the customer is employed by calling their workplace or asking for a payslip and also taking their current expenditure into consideration (bills, utilities etc). By checking the customer’s salary and their outgoings, a lender can carry out effective affordability measures to lend the customer the right amount that they can afford to repay. Or equally, they may discover that a customer cannot afford to borrow their loans and is therefore not suitable for their product.

There are plenty of things to be looking out for when you compare payday lenders. The most obvious thing is the price of the loan which will vary from lender to lender. Some lenders charge an APR which is higher than 5,000% with some other loan companies charging less than 1,000%. If the APR is a little confusing, other ways to compare the price of the loan are by the daily interest rate which is typically 1% a day which equals £130 per £100 borrowed. When the new price cap comes into place in January 2015, the daily interest rate will be limited to 0.8% which comes to around £124 per £100 borrowed. All the individual lender pages on The Lenders List include a representative example to give you an idea of how much you will be repaying. An additional factor to consider when you compare loans is the length of the loan. With some lenders offering the typical payday loan, it will only last up to 30 days but we also feature various instalment lenders that can offer loans repaid over 3, 6 or 12 month instalments such as MyJar and SafetyNet Credit. There has been a lot of talk about comparing payday loans in the press recently. The CMA and FCA have mentioned that payday loan comparison sites are very important because currently borrowers are paying too much for loans. With some borrowers in the UK taking out 5 or 6 loans a year, they are typically taking them from the same lender and just topping up their services. Therefore, it is important to compare prices and the different loan products available and in doing so, the average payday loan borrower could save over £100 a year in repayment fees. New regulation in January will encourage all payday lenders to be featured on comparison sites to give borrowers a better idea of the other products available and more information about prices whether its comparing the APR, daily interest or cost per £100 borrowed. More emphasis on comparison sites may encourage lenders to further lower their prices or allow new entrants to come in with even lower rates of interest which will benefit the customer in the long run.


Comparing payday loans in the UK is for when you want to know that the company you are working with are licensed and registered to offer loans in the UK. By working with a company based in the UK, you feel that your details are a lot more secure. It is important that you can trust the company you are working with and that you can contact them if you need to. The Lenders List only compare payday loan lenders in the UK. The currency is always pounds sterling and each company is registered to trade in the UK with a valid consumer’s credit license. There are around 200 payday lenders in the UK and each with their own different terms, lengths and rates, it is important to compare all the different lenders. Whether you are based up north or south, you can usually find payday lenders on the high street but you can certainly find them online and they can usually transfer funds to your account on the same day. If you are based in various boroughs, you may be able to become a member of a credit union which offer significantly lower rates for payday loans. This is something that we mention in our of pages of useful information below. Feel free to read up a bit more about why it is important to compare payday loans and the other alternatives available.