List of UK Direct Lenders

If you need to borrow money, it can be hard to know where to turn. Many UK lenders offer personal loans, including direct lending companies, high street banks, and even crowdfunding platforms.

As a credit broker, Little Loans work with a panel of UK direct lenders to help borrowers access the loan they need. Even so, it’s important to know that there are other options available, which is why we’ve prepared a list of the direct lenders currently operating in the UK, along with contact information in case you need to get in touch. We hope you find this helpful.

List of direct lenders UK

List of Active UK Direct Lenders

Information is correct as of July 2nd, 2024

List is not exhaustive.

118 118 Money

118 118 Money offers short-term personal loans between £1,000 and £5,000, with repayment terms between 12 and 36 months. Borrowers can access an online account to manage their loan. Representative 49.9% APR.

You can contact 118 118 Money here.

Bamboo Loans

Bamboo Loans offer unsecured personal loans between £2,000 and £15,000. Repayment terms range from 12 to 60 months. Representative APR ranges from 26.9% to 69.9%.

You can contact Bamboo Loans here.


CashASAP offers access to small loans between £200 and £750; first-time applicants are limited to loans of £400. You can apply for a payday loan for up to 35 days or a multi month instalment loan for up to 6 months.

Representative 1265.8% APR.

You can contact CashASAP here.


Cashfloat offers payday loans between £300 and £1,500 which can be repaid over 3 to 9 months. Representative 611.74% APR.

You can contact Cashfloat here.


Creditspring is a UK-based lender who pride themselves on their unique products and services.

Creditspring provides customers with access to two interest-free loans per year, each of which is required to be repaid within 6 months in monthly instalments.


Drafty offers a line of credit between £50 and £3,000, which can remain open for as long as required provided there are no repayment defaults. Representative 96.2% APR (variable).

You can contact Drafty here.

Everyday Loans

Everyday Loans is a direct lender willing to consider applications from individuals who have struggled to get approved for credit in the past. Borrowers can apply for a loan between £1,000 and £15,000, with repayment terms that range between 18 and 60 months. Representative 99.9% APR.

The process with Everyday Loans is a bit different compared to other lenders. While you can still apply online, you will have to visit a local branch and sign your credit agreement in person. You will need to bring the following documents:

  • Proof of identity;
  • Proof of where you live; and
  • Proof of your income and regular outgoings.

You can contact Everyday Loans here.

Finio Loans

Finio Loans used to be known as Likely Loans. They are a direct lender that offers personal loans of between £1000 and £5,000, with repayment terms of 12, 24, and 36 months. Rates range from 39.9% to 69.9% APR.

You can contact Finio Loans here.

Fund Ourselves

Fund Ourselves is a peer-to-peer lender that allows individuals to invest money that is used to provide loans for borrowers. Individuals can borrow money online between £100 and £1,500, although new customers are limited to borrowing up to £800. Repayment terms are between 4 to 6 months, and Fund Ourselves do not charge early or late repayment fees. Representative 1310.4% APR.

You can contact Fund Ourselves here.

Lending Stream

Lending Stream bills itself as a provider of payday loan alternatives. They offer loans of between £50 and £1,500 with repayment terms of 6 and 12 months. Representative 1333% APR.

You can contact Lending Stream here.

Loan Pig

LoanPig is a direct lender and a credit broker offering loans of between £50 and £1,500. Their repayment terms range between 1 to 12 months with APR ranging from 49.9% to a maximum of 1261%. Representative 1261% APR.

You can contact Loan Pig here.


Loans 2 Go is a direct lender offering unsecured loans of between £250 and £2,000, with repayment terms of 18 or 24 months. There are no additional fees charged for early settlement. Representative 770% APR.

You can contact Loans2Go here.


Moneyboat offers loans of between £200 and £1,500, with repayment terms between 2 to 6 monthly instalments. New customers can apply for up to £800. Representative 939.5% APR.

You can contact Moneyboat here.

Mr Lender

Mr Lender is a direct lender that focuses on providing quick loans with no early or late payment fees. Their short-term loans start from £200 and range up to £1,000 with 3- and 6-month repayment terms. Representative 1266.2% APR.

You can contact Mr Lender here.


QuidMarket is a UK direct lender that offers loans between £300 and £1,500. New customers can apply for up to £600. Repayment terms range over a 3 to 6 month period. The maximum Representative APR is 1625.5% APR.

You can contact Quidmarket here.


Savvy offers loans of between £300 and £1,200, with repayment terms that vary between 6 and 12 months depending on the loan amount. Representative 1289.3% APR.

You can contact Savvy here.

The Money Platform

The Money Platform is a crowdfunding website that facilitates peer-to-peer lending.

You can contact The Money Platform here.

List of Inactive UK Direct Lenders

The following lenders have either gone into administration or are no longer accepting new loan applications.*

This list should only be used for reference purposes and is no longer updated to reflect the status of the individual businesses. 

Amigo Loans

Amigo Loans have entered into administration and are no longer accepting new applications for credit


From February 10, 2020, AZUREmoney is no longer offering loans to new or existing customers. Customers with any queries about AZUREmoney can contact them here.

Dot Dot Loans

Dot Dot Loans are no longer trading. Ed Boyle and Rob Spence of Interpath Ltd were appointed as Joint Administrators of Shelby Finance Limited by the Company’s directors on November 17, 2023.

The company will no longer be able to issue new or additional loans for any new or existing customers.


Ferratum stopped accepting new loan applications in March 2020. Existing customers can still log in to check their loan history here.

Likely Loans

Established in 2014, Likely Loans were a direct lender offering unsecured personal loans between £500 and £5,000.

Likely Loans were rebranded as Finio Loans in September 2022, and are no longer accepting applications.


MyJar was placed into administration on December 22, 2020. The company is no longer an active lender. Customers can contact the MyJar Ltd customer support team on 01203 0062 000 or email


Oplo no longer offer personal loans

Payday Express

Payday Express is no longer trading, having stopped accepting new loan applications in October 2017.

Payday UK

Payday UK was a direct lender with close connections to Payday Express. They also stopped trading in October 2017.

The domain was acquired by a broker firm and now it is now operating as a payday loans broker.


Peachy was the trading name of Cash On Go Ltd. The firm went into administration in March 2020. Customers can contact the Cash On Go support team on 0800 0124743.

Peachy are not to be confused with who are a credit broker, not a direct lender.


Provident Loans is no longer trading and are therefore unable to accept applications for credit.

Quick Quid

Quick Quid went into administration in October 2019, and no longer offers any personal loan products.

Safety Net Credit

SafetyNet Credit and Tappily were both trading names of Indigo Michael Limited, who went into administration in 2023.  Joe O’Connor, Clare Kennedy, and Simon Appell of AlixPartners were appointed Joint Administrators of the Company. Customers can email them at:


Satsuma was a UK direct lending company operated by Provident. Satsuma stopped taking new applications in June 2020. Other lending sites operated by Provident have since closed.


Sunny was a trading name of Elevate Credit International Limited and was placed into administration on 29 June 2020.

Swift Sterling

Swift Sterling entered administration in December 2019.

The Money Shop

The Money Shop went into administration in October 2019. The domain name was acquired by a broker firm and now it is now operating as a short term loans broker.


Tappily is no longer trading and is therefore unable to accept applications for credit.

Trusted Quid

Trusted Quid is now closed and does not offer any lending products. 

Uncle Buck

Uncle Buck closed applications for their personal loan products after entering into administration in March 2020.

Wageday Advance

WageDay Advance previously offered payday loans but entered administration in February 2019. Existing loan accounts were transferred to Shelby Finance Limited following the firm’s closure. is currently operating as a credit broker, not a lender.


WizzCash has now stopped accepting applications from new and existing customers. Existing customers can still contact the customer services team by emailing


Wonga was a well-known short-term and payday loans lender, but the firm entered administration in August 2018 and no longer offers any lending products.

Bottom Line

There are many direct lenders operating within the UK, and it can be difficult to decide which is the best for you. As this list shows, various lenders offer similar products but with varying terms and interest rates.

As an online credit broker, Little Loans works with a panel of active direct lenders to match UK borrowers with the loan company that is most likely to approve their application. To get started, why not use our quick Eligibility Checker and let us help you find a loan that’s right for your circumstances.

*All information correct as July 2nd, 2024. Please contact Little Loans using the online contact form if you wish to correct information appearing on this page.

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Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. We’re a fully regulated and authorised credit broker and not a lender