Compare Payday Loans
up to £5,000
Rates from 48.1% APR to 1721% APR. The minimum Loan Term is 3 months. The maximum Loan Term is 36 months.
Representative Example: £1,000 borrowed for 18 months. Repayment of £89.22. The total amount repayable is £1,605.96. Interest amounts to £605.96, at an annual interest rate of 59.97% (fixed). Representative APR: 79.5% (variable)
*Same day payout is subject to lender approval and bank processing times. Not all applicants will receive funds the same day.
One simple search. 30+ FCA-regulated lenders. Find your payday loan today. Instant decision, same day payout possible.*
The smarter way to find a payday loan
| Loan Wallet | Searching Alone | |
|---|---|---|
| Lenders compared | ✓ 30+ at once | One at a time |
| Credit score impact | ✓ No impact to check | Multiple hard searches |
| Time to apply | ✓ Under 2 minutes | Hours of forms |
| Decision speed | ✓ Instant | Hours or days |
| Cost | ✓ Free to use | May miss better rates |
Three steps to your payday loan
Tell us what you need
Choose how much you need and share a few details. Takes just 2 minutes.
We compare payday lenders
Your application is matched against 30+ FCA-regulated lenders to find suitable payday loan offers.
Get your money
If approved, your payday loan funds can land in your account the same day.*
Why thousands choose Loan Wallet for payday loans
One search, 30+ payday lenders
Stop applying to each payday lender individually. Submit one simple form and we match you with suitable lenders from our panel.
FCA regulated
We are authorised and regulated by the Financial Conduct Authority (FRN: 1036139). Every lender on our panel is FCA-regulated too.
Instant payday loan decision
Get a decision in seconds. When you need a payday loan, waiting isn't an option. We deliver results instantly.
All credit histories welcome
Our payday lenders consider a range of circumstances. Past credit issues don't automatically disqualify you.
Free to use
Comparing payday loan options costs nothing. We only receive a commission if you proceed with a lender.
Fast and mobile-friendly
Apply from your phone in under 2 minutes. No paperwork, no branch visits. Find a payday loan from anywhere.
What you should know before applying for a payday loan
We're a broker, not a lender
Loan Wallet is a credit broker authorised and regulated by the FCA (FRN: 1036139). We match you with payday lenders from our panel. We don't make lending decisions or set interest rates. Any loan offer comes directly from the lender, and you're under no obligation to accept.
Payday loans are short-term solutions
Payday loans are designed for short-term borrowing needs and unexpected expenses. They are not suitable for long-term financial difficulties. Always consider whether you can afford the repayments before applying.
Missed payments affect your credit file
If you fail to make repayments on your payday loan on time, your lender will report this to credit reference agencies. This can negatively impact your credit score and make it harder to obtain credit in the future, including mortgages, mobile phone contracts, and car finance.
Additional charges may apply
Lenders may charge late payment fees or additional interest on missed repayments. In some cases, lenders may use Continuous Payment Authority (CPA) to attempt to collect payments from your account. Always read your loan agreement carefully before signing.
Free debt advice is available
If you're struggling with debt, free and impartial help is available from MoneyHelper, StepChange, and National Debtline. These organisations can help you understand your options without charging you anything.
Loan renewal and extension
Some payday lenders may offer to renew or extend your loan. While this can provide short-term breathing room, extending your loan term usually means paying more interest overall. Always consider whether you can afford the repayments before renewing.
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