Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Instant payday loans - we offer a better alternative

Instant payday loans were once a popular option for those who found themselves in financial difficulties. However, if you find yourself needing access to emergency cash or extra funds, we can offer an alternative to instant payday loans.

What are the alternatives to instant payday loans?

As a leading broker of quick, short-term loans, we understand why so many people needed instant payday loans. Therefore we have partnered with a panel of lenders, which are able to offer an alternative solution. We believe that people should have access to competitive loans, with flexible terms and an honest, transparent service.

Instead of repaying instant payday loans on your next payday, our lenders can offer repayment periods of 3 to 36 months. It is possible to borrow a minimum of £100 up to a maximum of £5000, making our loans an ideal alternative to instant payday loans.

How do I apply for an instant payday loans alternative?

We know that to provide an alternative to instant payday loans we need to offer a quick and convenient application process. To speed up the application process we have developed our online eligibility checker, which takes just 60 seconds. There are no credit checks and you will be provided with an instant loan confidence result.

If our tool shows that you are eligible, the next step is to complete the two-minute application form. Everything is completed online, and you do not need to send any paperwork to us. Once we understand your loan requirements, we will find the ideal loan from our panel of lenders. At this point you will be receive loan quote, which you are under no obligation to accept.

If you choose to proceed with the application, the lender will quickly conduct a hard credit check and if approved the funds will be released.

How quickly can I access the cash?

Our alternatives to instant payday loans can be released to your bank account in just 10 minutes.** This means it is possible for you to have almost instant access to your funds. Although, the processing speeds of banks do vary, so the final timing of your fund’s availability will depend on your individual bank.

Trustworthy and transparent lenders

Many providers of instant payday loans were accused of not providing customers with a transparent service. This meant many borrowers were forced into debt due to unclear terms and high interest charges, which were commonly applied to instant payday loans. Instead, every lender included in our panel are fully authorised and regulated. This will help alleviate any concerns you may have about alternatives to instant payday loans.

If you are concerned about your financial situation, it is important to decide whether a loan is the ideal option for you. There are a variety of organisations which can offer free and impartial advice about instant payday loans, our flexible loans and other financial products. These include Step Change and The Money Advice Service

Check out our 4.8 star rating on Feefo

See more feefo reviews

Straight forward

“Easy pleasant service, quick decision and easy account management.”

Laurissa Marsden

Representative Example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28. Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative. We’re a fully regulated and authorised credit broker and not a lender