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

Apply to borrow from £50 to £3000*
Apply online today for a short term loan and receive 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.

Providing same day short term loans and payday loans to the UK

Are you guilty of overspending before your next payday? Are you struggling to meet your monthly rental payments due to an unexpected bill? Sound familiar? There are many people in similar financial situations that turn to Lucky Loans for short term loans for additional financial support to help them through the month. Short term loans are a more flexible version of payday loans in the way that they allow you to borrow between £50 - £3,000 over a short period of time. Unlike payday loans, the cost of a short term loan can be spread out into 3 fixed monthly payments over a 3 month period instead of paying the full cost of your loan back on your next payday. Short term loans offer more flexibility than payday loans when it comes to repaying the total amount of the loan. Many people would struggle to repay the full amount of a payday loan on their next payday. However we now offer the option to spread the cost of your loan over a 3 month period making the repayment process friendlier to our customers.
Applying with Lucky Loans is fast and simple, we help thousands of UK customers every week find a loan to suit their current financial situation. Our website is part of an exciting new group of online personal finance websites that is available to all UK citizens. Unlike many high street banks and loan providers, we will always give you an instant decision when you use our online application form.
  • 5 minute application form
  • 15 minute cash transfers**
  • Receive an Instant decision
  • 100% free to apply
  • Borrow for up to 3 months
  • All credit histories welcome
Apply Now

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 – £3000 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!**

What are Payday Loans?

The average value of a pay day loan is around £300 per individual. Typically most payday loans direct lenders offer repayment terms of up to 3 months and allow customers to borrow anywhere between £50 - £3,000. Payday loans uk are the smallest type of loans available to individuals. Payday loans are similar to short term loans and are ideal for people who only want to borrow a small amount of money usually to cover an unexpected bill or cost. Payday Loan lenders offer UK payday loans between £50 - £3,000. These types of loans have massively increased in popularity in the UK due to the very fast application process that many payday loans lenders offer with flexibility on repayments also playing a massive part in their popularity with many UK customers. Short term loans such as payday loans online can be used for a number of reasons, typically to help cover the cost of emergency bills such as car and boiler repairs or even to help make rental payments. They should not be used to pay for expenses and larger cost items such as a holiday or car. More than 10 million UK customers borrow over £2 billion every year in payday loans and short term loans from online payday lenders according to figures released by The Guardian on payday loans. Short term loans are one of the most common types of finance due to their flexibility allowing customers to borrow exactly how much they want for the exact amount of time that they want to. Before short term lending products became available, customers were forced to borrow a larger amount of money over a longer period of time due to many banks and lenders having a minimum loan amount of £1,000. Unlike personal loans, payday loans allow people to borrow a smaller amount of money for a shorter period of time. Short term loans are typically repaid within 3 months in 3 fixed monthly repayments which ensures customers find it easier to repay their loan on time by spreading the cost over a 3 month period. Payday loans online have a very quick process due to their online application service and do not require customers to provide a history of payslips, references or bank statements which is why they continue to be one of the most popular choices of finance in the UK. Apply Now
How much can I borrow? You can borrow anywhere between £50 - £3000 which can be paid back over a 3 month period in 3 fixed simple monthly payments. This means that you will pay back exactly the same amount every month until the total cost of your loan has been paid off. By spreading the cost of your short term loan over a 3 month period this helps to reduce monthly payments and provide a more affordable option compared to many payday loans.

Do you offer Instant Payday Loans?

We provide one of the fastest loan application services available to UK customers online. We are proud of our reputation of making the online loan application process as fast and easy as possible. Lucky loans guarantees you an instant decision when you apply for one of our payday loans online, something that continues to set us apart from many UK banks and high street lenders. Once your loan has been approved, we work tirelessly to ensure that the funds are transferred into your bank account within 15 minutes of submitting your application form. For people who require immediate financial assistance, we recommend applying for one of our quick loans to speed up the whole loan approval process and to receive your funds as quick as possible once approved. In most cases our customers will receive their loan on the same working day that they have applied. However this is also dependent on your bank providing a faster payment service in which they can process payments to your bank account at a faster rate. If you apply for a payday loan and are unsuccessful in your application we will also give you an instant decision as to why your application has been rejected. We may also introduce you to some alternative financial products which may be of interest and may be able to help your chances at getting a loan in the future.

Who are Payday Loans Direct Lenders?

A payday loan direct lender is a company who will offer the customer a payday loan directly. This company will add their own terms and conditions to your loan including interest rates, repayment dates and will also carry out a full credit score check. When you take out a payday loan, you will also be entering an agreement with the payday lenders that you have applied with. The agreement will include information such as the total amount that you will have to pay including all interest rates. There is no right or wrong answer when it comes to applying with a payday lender or going through a third part website. Some people will prefer to go directly to the lender whereas other prefer to shop around for the best loan and use various comparison sites in the hope they can find the best deal for them.
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





Pay off existing debt

Pay off existing debt

Unexpected bills

Unexpected bills

Do you offer payday loans online?

Applying for a payday loan online is the fastest way to to get the money that you need. By applying online you are guaranteed to receive an instant decision and can potentially have the money transferred into your bank account within 15 minutes of applying. The benefits of applying for a payday loan online is that you do not need to book a face to face meeting at your bank branch, instead you just fill out a simply 5 minute online application. When applying for a loan online you need to be sure that you answer the questions as accurately as possible to prevent any delays and speed up the whole approval process. Questions that need to be answered honestly and accurately include your current address details, your monthly income and expenditure. Unlike many high street bank branches and building societies, you can apply for a payday loan online without having to provide a history of bank statements, payslips and references. Another benefit of online loans is that they tend to be smaller in value than loans that are offered by high street banks which means you will be able to borrow smaller amounts of money for a shorter period of time, saving you unnecessary interest costs and repayments. Payday loans are essentially the exact same thing as a short term loan. Both types of loans allow you to borrow a smaller amount of money than other traditional types of loans such as personal loans. Payday loans get their name from the way that the loan was paid back, if you took out a loan, you would normally have to pay the loan back on your next payday, hence the name “payday loans”. There is a lot more flexibility with these types of loans now, as many more lenders allow their customers to repay their loan after 3 months which can help spread out the cost of a loan.

How to apply for a Payday Loan

Applying with Lucky Loans is easy; we are 100% online making it faster and easier to apply for a short term loan. We believe in making the whole application process as simple as possible, just simply choose the amount that you wish to borrow using the slider bars above and complete our 5 minute application form that will give you an instant decision. Lucky Loans will never ring you or contact you and we will never ask for any payslips, bank statements, guarantors or references when you apply for a loan with us. You can apply for a payday loan online 24 hours a day, 365 days a year. Our website is never closed. Payday loans online

What information do we ask for?

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

Can I get a payday loan with bad credit?

Although you may find it harder to get approved for a payday loan if you have a bad credit history, in some cases you application may be successful. Lucky Loans does not directly carry out any form of credit score or credit history check, however some of our lenders may wish to carry our a credit check to see if you are eligible for a loan. Instead we will usually ask for other information such as your monthly salary and expenditure, your address and contact details and your date of birth. If you are suffering with bad credit and we are unable to provide you with a loan, we may recommend some alternative financial products that may be able to help. There are many other lenders and financial companies who have products specifically suited for individuals suffering with a bad credit history. Financial assist products include a credit or debit card suited for bad credit individuals, overdraft facilities and even payment plans and help with financial planning and budgeting. If you are suffering from a bad credit score and are looking for a loan or some financial help - Experian are the UK's leading credit reporting service and can offer you help and guidance when it comes to improving your report. Our Promise Applying with Lucky Loans is completely free of charge; we will never charge you a fee or hit you with any charges for using our service. We will always provide you with the full cost of your loan upfront so you are absolutely clear on the total amount of your loan including interest rates that you will have to pay back when you apply with us. We are extremely passionate about responsible lending; we understand that many people find themselves in different financial situations to one another. We are passionate about providing as much financial support to people as possible, however we understand that not everybody is suitable for a short term payday loan.  We will always provide additional advice on alternative borrowing options that may be available to you if we feel that a payday loan is not the best option for you. Apply Now