We are a free licensed credit broker, not a lender. Warning: Late repayment can cause serious money problems. For help, visit moneyadviceservice.org.uk
Borrow from £50 to £25,000*
Apply online today for an instant decision
Short Term Loan
Apply online today for upto £3,000

One simple 5 minute application form
15 minute cash transfers
Fixed monthly repayments
Instant decision

Apply Now
Personal Loan
Apply online today for upto £25,000

One simple 5 minute application form
15 minute cash transfers
Fixed monthly repayments
Instant decision

Apply Now

Same Day Loans Online

Overspending? Purchasing a new car? Hit with an unexpected bill? Or are you planning a family holiday of a lifetime? Here at Lucky Loans we have many different loans available for almost every financial need. For most people, being able to cover the costs of an unexpected bill or purchase a new car with no form of finance is not realistic, which is why many people in similar financial situations turn to Lucky loans for additional financial help.

Applying with lucky loans is easy and fast, we help thousands of people every week find additional finances. We are 100% online and unlike many high street banks and lenders we will always guarantee an instant decision. Lucky Loans is part of an exciting group of online financial service websites that specialise in helping UK customers find additional finances. Since our launch in 2015 we help thousands of people every week find a loan that is best suited to their financial needs.

Our UK Loans

We offer flexible borrowing options on a wide variety of payday loans, short term loans and personal loans for different financial needs. People use our loans for a number of reasons which range from, overspending to Home improvements.

Short term loans

Short term loans are a more flexible version of traditional payday loans in the way that you can borrow between £50 – £3000 and spread the cost of your loan over a 3 month period instead of paying back the full amount on your next payday. Many people would struggle to pay back the full cost of their loan on their next payday and would likely be hit with additional charges and costs. With Lucky Loans we allow our customers to find short term loans that can be repaid in 3 fixed payments over a 3 month period to make the loan repayment process easier than ever.

How it works


  • Choose your loan amount

    Choose the amount you want to borrow

    By using our homepage sliders you can select your total payday loan amount and borrowing period. You can select funds of £50 – £2000 to be repaid anywhere from 7 days to 3 months.

  • Apply

    Application Form

    Your application is 100% online and should take approximately 5 minutes. So we can give you an accurate and instant online decision we’ll ask you for some personal information such as your home address, employment details and monthly outgoings. For approved applications we will also require your bank details in order to transfer the funds directly into your account.

  • You decide

    Instant Online Decision

    We will give you an instant online decision within a few seconds of submitting your application form. Once approved your loan agreement form will be displayed to you where you can check everything over to make sure that you are comfortable with it. We will always display the total loan amount, interest rates and repayment dates so you know exactly how much you will need to pay back and when, there will be no hidden costs.

  • Done

    Receive Your Funds

    After you have reviewed and accepted your loan agreement form, we will automatically transfer the funds directly into your bank account. We specialise in fast cash transfers, you could receive the funds in your account in just 15 minutes!**

Payday Loans UK

Payday loans are essentially the same as short term loans and are usually for people wishing to borrow a smaller amount of money for a shorter period of time. Payday loans have grown in popularity over recent years due to their small borrowing amounts which allow you to borrow exactly how much you want for the exact length of time that you want to. Before payday loans existed, many people who only wished to borrow small amounts were forced to borrow a larger amount as many banks and lenders were unable to borrow such small amounts. Payday loans were originally an additional form of finance that was to be repaid on your next payday, these days payday loans can be spread out for as long as 3 months.

Personal Loans

Personal loans are commonly used for higher cost items and charges that many people are unable to afford in one payment which is what makes them such a popular choice. Common uses for personal loans include one off car purchases, weddings, large family holidays and home improvements/extensions. All of which are too much to for many UK customers to be able to afford without any financial assistance.

15 Minute Cash Transfers

Here at Lucky Loans we are passionate at providing our customers with the fastest possible service. We are proud of our reputation of providing one of the fastest finance application services that is available to UK customers. Our online application service will always guarantee you an instant decision within seconds of submitting your application form, something that continues to help us grow throughout the UK. Once you have been approved, we aim to have funds transferred into your selected bank account within 15 minutes of submitting your application form.

How to apply online?

We are 100% online which makes it easier and faster to apply for a loan of your choice. Simply select the type of loan that you wish to apply for by clicking the “apply now” button and select the exact amount of money that you wish to borrow. Our online application form takes just 5 minutes to complete and we will always give you an instant decision within seconds of submitting your application form. Unlike many lenders we do not carry out any credit check or require any proof of payslips, bank statements, guarantors or references to give you an initial decision.

What details do we ask for?

  • Monthly Salary
  • Employment Status
  • Address Details
  • Bank Account Information

Our Promise

We will never hit you with any unexpected or hidden costs and will always provide you with the full cost of your loan upfront including all interest repayments. We operate a completely free to use service which means that you will never be charged for applying with us, we offer a 100% free to use service.

We are passionate about responsible lending and helping people that are currently in financial difficulty. If we feel that one of our loans may not be suitable for you we will always provide you with alternative borrowing options that may be available to you that could help improve your financial situation.

What can I use a personal loan for?
Take a look at the 6 most popular uses for taking out a personal loan

There are many different reasons why people turn to personal loans and why they continue to grow in popularity with UK customers. There is no restriction as to what you can use a personal loan for; reasons vary from holidays to car loans.

Car loans

Car loans

Home improvements

Home improvements

Holidays

Holidays

Weddings

Weddings

Pay off existing debt

Pay off existing debt

Unexpected bills

Unexpected bills