Warning: Late repayment can cause serious money problems. For help, visit  moneyadviceservice.org.uk
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
Apply online today to borrow upto £25,000*
How much cash do you need?
Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% pa (variable)
Lucky Loans will never call you or ask you for an upfront fee for using their service. To report a scam visit The FCA
Lucky Loans does not provide any loan or consumer credit products directly. We are a Credit Broker and not a Lender.

Do you offer same day loans?

Same day loans are a type of loan that is paid into your account on the very same day. With most same day loans, it does not matter how big or small the loan is, as many direct lenders will always aim to have the funds transferred to your on the same day.

We understand the importance of processing your application quickly which is why we will give you an instant decision within minutes of applying. We can help you find short term, payday loans or longer term personal loans. At Lucky Loans, we provide a fast online service that is guaranteed to give you an instant decision, whether you are approved or declined.

We understand that many people who require same day loans will require the money fast and efficiently. We ensure that our whole online loan application is as simple and fast as possible so that your application is submitted within a matter of minutes. You will always be provided with an instant decision so you do not have to wait for someone to get back to you with a “yes” or “no”, you will have the answer within seconds of submitting your application form.

What can I use a same day loan for?

Same day loans are typically used to cover emergency and unexpected costs; as a result of this the majority of direct lenders will offer a guarantee that you receive the funds on the same day. Sometimes it does not matter how well you budget and save your money, an unexpected bill can come out of nowhere and eat away at your savings. Same day loans can provide a lifeline when it comes to unexpected bills and can give you that extra financial cushion.

Most direct lenders will not place a restriction on what you use your same day loan for; you can spend this on whatever you like. However lenders may ask why you are applying for this type of loan, although this will not impact your loan being approved.

Providing you with a variety of small loans online

We understand that everyone’s needs are different, which is why many different types of UK loans fit around a range of circumstances to suit different needs. To offer you a bigger choice of financial products to suit your needs, we provide all of our customers with the option to apply for specific types of loans, whether they are short term loans, quick loans, small or big.

Whether you need a same day loan to deal with an unexpected bill or a personal loan for more expensive purchases, Lucky Loans can help. Our customers use the loans for a range of purposes and no matter what yours may be, we may be able to help you.

All of our loan options can be applied for online. In-fact applying for a loan online is the fastest way to apply with a direct lender. There is no need for a face to face meeting; our 100% online loan application process can be completed in just 5 minutes.

The quick and easy way to apply for a loan

We know it might not be possible to pay your loan back on your next payday. You may have other commitments and might need more time to pay it back, which is why we have introduced short term loans for longer term lending. However if you require loans that span more than 12 months and for larger amounts, then a personal loan may be more suitable to your needs.

For short term payday loans, you can apply to borrow between £50 – £3,000, using our partners lending platform. Instead of paying it back on your next payday, you have the flexibility to pay it back over a 3 month period. This can take a lot of stress and worry off your shoulders, and save you from incurring any additional charges and costs. You pay fixed payments over a 3 month period, rather than paying it back in one go.

Many lenders will allow you to pay off your loan over the course of a few months. Paying your loan over 3 months gives you more flexibility if you struggle to pay your payday loan off in one payment, however please remember that by spreading the loan over multiple months you may be paying more overall.

How it works

  • Choose your loan amount

    Decide if you would like a short term loan or a personal loan

    Use our sliders to select the total loan amount that you wish to borrow. You can also select how long you with to borrow for. For short term loans, choose up to £3,000 and for personal loans you can apply for up to £25,000.

  • Apply

    Complete our 100% online application form

    Applying online only takes 5 minutes, we need to collect some information about yourself including your name and address, employment details and monthly income information. This will give us a clear insight on whether you will be eligible for a loan or not. We will also need you bank account details if you are approved so the funds can be sent directly to your bank account

  • You decide

    Instant Online Decision

    You will be provided with an instant online decision within a few seconds of submitting your application form. The decision will simply tell you if you have been approved or declined for a loan.

  • Done

    Your loan is transferred into your bank account

    If you have been approved for a loan, you will be directed to the payday loans direct lender that will be providing you with the loan. Once here, the lender may ask you for more information or your loan agreement will be shown to you in which case you will need to read through it thoroughly. You could receive the funds in your account in just 15 minutes!**

Small £50 loans online

Small loans are obviously smaller in value when compared to other loan types such as personal or secured loans. Payday loans are typically £50 – £2,000 in value and are intended to only be borrowed for a small amount of time, usually until your next pay day. The majority of payday loans direct lenders will only operate an online application process as many banks and building societies do not offer loans of such as small value.

A payday loan is designed to cover short term financial needs. If you need financial help before your next pay day, and you’ve been rejected by your bank or mainstream lenders and family and friends cannot help you, these could be a suitable solution. £50 loans are the smallest type of loan available to UK customers.

Apart from an overdraft and credit card, a payday loan is the only other form of finance that can be borrowed at such a small amount and can help prevent UK customers from taking out larger loans to cover small costs.

Small loans are available to individuals who only need to borrow a small amount of money for a short period of time. Many payday loans direct lenders will also accept individuals who have bad credit history. This is because the risk to the lender is much lower as the loan value is very small when compared to larger value loans such as personal loans.

In recent years the repayment process for £50 loans in the UK has become a lot more flexible. Many direct lenders will now allow customers to repay their loan over a series of monthly instalments in order to reduce the financial pressure in trying to repay your loan in one big lump sum.

For small £50 loans, you may be required to repay this loan in full on your next payday due to the loan amount being very small.

If you have missed payments in the past or have a damaged credit file, or lack of credit history, some mainstream payday lenders may not lend to you. If you have exhausted other avenues, then a payday or short term loan may the best option for you.

How much can I borrow?

You can apply to borrow anywhere from a £50 loan to a much larger £25,000 personal loan with lucky loans.

Our payday loans range from £50 – £2,000 and can be applied for online. For loans of a larger value, such as our personal loan options, you can apply online to borrow anywhere from £3,000 – £25,000.

When will I receive my money?

If accepted, most loans are transferred to your account on the same day, in some cases you can receive your loan in just 15 minutes providing that the direct lender has all of the information they need in order to make an informed decision.

Our same day loans will only be transferred to your bank account depending what time you apply for your loan, usually loan applications before 2pm will be transferred on the same day.

Representative Example and Repayment Terms

The interest rates and repayment terms that you are offered will all depend on which direct lender you choose to accept a loan offer from. All UK payday loan direct lenders will have their own set of repayment terms and interest rates. For example if you have bad credit you will not be offered the same interest and repayment terms as someone with a good credit history.

The interest rate and total amount repayable on a £50 loan is:

Borrowing – £50

Interest – £12.17

Total Repayable – £62.17

Loan duration – 1 month

Why choose Lucky Loans over other Direct Lenders?

We understand how stressful it can be to realise you don’t have the funds to do what you need to do and asking to borrow cash from your nearest and dearest is not always a viable option. You may even just need to get away on holiday and escape the day to day grind, in which case personal loans can be ideal for this too. Everyone is different in what they need and a personal loan can be adapted to suit different customers.

We ensure that our online application process is as simple as possible and we guarantee to always offer you an instant online decision. Applying for a loan can be quite stressful, especially if you need it quickly. We offer a whole range of different loans and are confident we can find you a loan to suit your current financial needs.

How to apply online?

We aim to make the application process as simple as possible. First, decide which type of loan you want. Short term loans up to £3,000 or a personal loan up to £25,000.

Select the ‘apply now’ button and the amount you wish to borrow. The application takes just a few minutes to complete and you will receive a decision within seconds. There is no need to send over any supporting documents – such as payslips, bank statements etc, however if you are accepted by a lender that may want you to provide proof of income and carry out a few more checks. Don’t worry about the purpose of the loan, decisions are not based on why you need it, all we need to know is that you have the income to pay it back.

Like many short term payday loans lenders we will also need your bank account information, this is not to take any form of payment from you, this will be used to inform the lender of the specific bank account in which your funds should be sent to.

Do not worry if you do not have a perfect credit score as the majority of our lender panel offer bad credit loans suitable to individuals with a less than perfect credit score.

What details do we ask for?

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

Our Promise

We are completely transparent about our costs – unlike many other lenders, we won’t hit you with any unexpected or hidden charges.

Your lender will provide you with the full cost of the loan, which will include any interest repayments, so you know exactly what you will need to pay back and when you will need to repay it.

The service is 100% free of charge – you won’t be charged anything for using our service.

We ensure that our partners only work with trusted UK lenders that we can introduce you to, through our partner are all passionate about responsible lending and want to help you find the most suitable solutions for your needs. This is why they offer different options, so they can accommodate the needs of a wide range of people.

All we ask is that you act responsibly and only apply for the loan if you can afford to pay it back when the time comes. If you don’t pay it back on time, you could be liable for additional costs, so only apply for a loan you can afford.

Don’t stress about not being able to cover a bill, pay for a wedding or even go on holiday. Apply now for your personal or short term loan and take some of the pressure off your shoulders.

15 Minute Cash Transfers

Sometimes it’s just not possible to wait around for weeks for your funds to arrive, especially if your car needs repairing or you are already over due on a rent or mortgage repayment.

You may have urgent financial concerns and you might not have the time to wait around for an answer on your application. Some lenders on our partner’s panel strive to give you a quick decision and access to your funds as quickly as 15 minutes from approval.*

When it comes to personal loans however, approval and receiving your loans may take longer and up to a couple of days due to the loans being of a bigger value*.

The application process is really fast and you will receive a decision within seconds. If successful, we will transfer you to the lender’s website within seconds and you can finish your application on their site. You should get a quick decision, and depending on the lender, if you are successful, your funds could be deposited into your account on the very same day, sometimes in as little as 15 minutes from being approved;

What can I use a UK 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 UK loans and why they continue to grow in popularity with UK customers. There is no restriction as to what you can use a loan for; reasons vary from holidays to car loans.

Car loans

Car loans

Home improvements

Home improvements





Pay off existing debt

Pay off existing debt

Unexpected bills

Unexpected bills