Easy Loans
Apply for your payday loan today. Get an instant decision 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
Easy Loans from Lendability
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How it works
We have worked hard to make the loan application process as simple as possible to ensure you get your loan when you need it.
APPLY ONLINE
This 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.
Easy Loans
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.
Ready to apply for a loan?
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.
Lendability does not charge its customers for using its credit broking services but we may receive a commission from lenders or other brokers if a customer accepts any credit related offer or enters a credit agreement through this website.
Lendability is a trading name of Warwick Financial Services Limited, a company registered in England and Wales with company number 09011092. Registered office: 4th Floor, 18 St Cross Street, London, EC1N 8UN. FCA Licence number 622839. ICO registration number ZA101793.