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 £3,000*
Apply online today for a short term loan and receive an instant decision
Apply online today and borrow upto £3,000*
How much cash do you need?
How long do you want it for?
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% (variable)

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

Are you guilty of overspending before your next payday? Have you been hit with an unexpected bill? Or are you struggling to meet your monthly rental payments? 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
  • 3 fixed monthly repayments
  • Lowest available interest rates and APR
  • No credit checks
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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!**

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.

Instant Loans – 15 minute cash transfers

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.

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Payday Loans UK

More than 10 million UK customers borrow over £2 billion every year in payday loans and short term loans from online lenders. 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. Short term loans 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.

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?

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?

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.

What information do we ask for?

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

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.

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