Payday Loans up to £5000
Apply for a same day bad credit loan from £100 to £5000. Get an instant decision payday loan with no fees and no credit checks.^
Representative 49.7% APR. Warning: Late repayment can cause serious money problems. For help, please visit the Moneyhelper website.
We are an authorised credit broker and not a lender.
Representative 49.7% APR
Representative Example: Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).
Lendability is a credit broker and not a lender. High cost short term credit is unsuitable to support sustained borrowing over long periods and would be expensive as a means of longer term borrowing
How It Works
Lendability has streamlined the payday loan application process to make it quick and simple, meaning you get your money faster. We are a credit broker and not a lender. We may receive commissions from our partners for successful applications, this will never affect the cost of your loan .
Representative 49.7 APR
APPLY ONLINE
Our application is 100% safe and secure, your data is encrypted. Applying with Lendability will not affect your credit score.^
CHECK OFFERS
Wait for your loan results and check the loan terms and conditions. You must ensure it is affordable before accepting any offer.
GET FUNDS
Once you have signed your loan documents and the lender has made their final checks, your loan will be sent to your bank account.
Why use Lendability?
There’s no shortage of payday loan websites, so what makes us different to the others?
All credit histories accepted
We work with 40+ direct lenders
No Guarantor needed
Who are Lendability?
We are a trusted UK based credit broker that specialises in helping people get the credit they need.
Lendability is part of Warwick Financial Services, a long established UK based credit broker that has, for over 8 years, worked with people will all credit types.
Our experience means that we have exclusive relationships with lenders that other brokers may not have, giving you an even better chance of getting accepted for a payday loan.
Let us do the hard work for you, one simple 2 minute application and we’ll search the market for a great loan deal.
We are fully authorised by the Financial Conduct Authority and the Information Commissioners Office.
Got questions? We’ve got the answers
Am I guaranteed to get a payday loan?
There are never any guarantees that you will get a payday loan or a bad credit loan, but we work with over 40 specialist lenders and work hard to match you with a suitable lender.
Will I be approved?
There is only one way to find this out, use our application eligibility checker and we will search the market for you, with no harm to your credit score.
Will I need a Guarantor?
It is extremely unlikely, we primarily work with unsecured lenders meaning you won’t need any kind of security to get approved.
Will applying affect my credit score?
No, it will not. When you apply we will present your application to lenders that we believe will be able to help you based on the information you put in the application and a soft credit check, which does not harm your credit score and is not visible by any lenders. If a lender accepts your application they will require a full credit check but you are able to decline a loan offer before a full check is carried out.
How long does it all take?
Once you have submitted our quick application form, it usually takes between 2 and 3 minutes for us to find you a suitable loan – it’s important you don’t click away during this time to ensure you don’t miss out on a loan offer.
Representative 49.7% APR
Representative Example: Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).
Lendability is a credit broker and not a lender. High cost short term credit is unsuitable to support sustained borrowing over long periods and would be expensive as a means of longer term borrowing
Payday Loans Online in the UK
We know that sometimes life has a habit of getting in the way at the exact time you could do without it, which is why we are here to help.
Boiler broken down? Car service due? Don’t worry, we can help you get a loan to cover most emergencies.
Lendability provides a friendly, transparent and honest service for all UK residents over 18 that are looking for a payday loan or a bad credit loan. We are fully authorised by hte FCA and the ICO.
Simple and Straight Forward Loans
We don’t like to overcomplicate anything and this includes our easy-to-use loan application process.
We want you to understand the whole process, which means you won’t find any complicated loan jargon here, we offer a simple 2-minute application form and access to a large panel of lenders.
Payday loans direct lenders know that time is critical when applying for a loan, so you can be sure your application will be dealt with quickly.
Emergency Loans for UK residents
A payday loan is often used to cover short-term expenses that cannot wait until payday. Payday Loans can now be spread over several paydays, making the loan easier to manage.
Payday Loans are now typically taken out from 3 to 12 months and if you are able to pay it back early, you’ll often save money on the total cost of your loan.
Remember, you are never under any obligation to accept a loan offer and you must never pay any fees for a loan.
FAQ’s
Can I apply for a Payday Loan on my mobile?
Yes! Our website is fully optimised for mobile users and the whole process can be completed on your phone.
Which lender will I be matched with?
When you make your application, we will assess your answers and present your application to the lenders we feel may best suit your needs. We will not present your details to lenders that cannot meet your loan requirements or that you will likely be declined by.
Who is the best payday lender?
There is no ‘best’ payday lender, every lender operates differently and offers different loan products, rates and features. You can be sure that all of the lenders we work with are fully regulated, responsible lenders.
I have got bad credit, can I apply?
Absolutely, we specialise in helping those with less than perfect credit and our lenders understand that many people don’t have perfect credit – all of this is considered during your application and many people with poor credit are able to get accepted.
Will you charge me for applying?
100% not. There are no fees to use Lendability and we do not collect card details from you. We will never ask you to pay a fee and a lender will also never ask you to pay to obtain a loan.
How long can I have the loan for?
Loan terms depends on the lender that accepts your application but you’ll usually find a minimum loan term of 3 months and a maximum loan term of 36 months (for larger loans).
I need the loan today, can I get it?
Some lenders operate 24/7 and are able to pay out loans at any time of the day where some only fund loans during office hours. Once approved by a lender, many typically fund their loans within the hour – please check with your lender on the times that they pay out loans.
Will I get bad credit by using a Payday Loan?
Borrowing over the short term is generally considered expensive and should be avoided where possible. Only after you have exhausted all other avenues should you consider a payday loan. As long as you pay the loan back on time, this will not harm your credit score and could in fact help it, although lenders may consider you taking a payday loan as a sign of financial difficulty.
I can't pay my loan back, what can I do?
If you cannot repay your payday loan on the day that you are meant to, please contact your lender directly. Lenders have an obligation to help those in difficulty and it will save you unnecessary fees and expenses dealing with it quicker. Lenders may be able to halt interest or setup a repayment plan.
Is Lendability a lender?
We are a fully authorised Credit Broker and not a lender, we do not make lending decisions nor lend money. We are paid a commission by lenders when we successfully match borrowers with lenders or other product providers. Using a credit broker like Lendability, however, means that you get access to large panel of lenders from just one application form.
Guides & Articles
Take a look at a selection of our most popular guides and articles about personal finance and the loans that we offer.
^Lendability will not perform a credit check, lenders may complete a soft check when considering your application for a loan. If you accept a loan offer, the lender will perform a hard search which may be recorded on your credit report. Not all lenders are able to make same day payments and this may also depend on your bank.
Warwick Financial Services Limited T/A Lendability registered in England and Wales under company number: 09011092. Registered office address: 4th Floor 18 St. Cross Street, London, England, EC1N 8UN
Warwick Financial Services Limited T/A Lendability are authorised and regulated by the Financial Conduct Authority, under FCA number: 622839. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers.
Warwick Financial Services Limited T/A Lendability are registered with the Information Commissioners Office under registration number: ZA101793.