Small loans are the perfect option for people in the United Kingdom who are short of cash for a small period of time, possibly until their next payday – paycheck advances are ideal in these situations. To obtain a small payday loan / quick cash advance in the UK you must be 18 years or older and have a bank account 90 days in age or over. Borrow money anywhere between fiffty pounds and one thousand pounds. Spread the loan payments over as many months as you like. Small-Payday-Loans.co.uk – Specialising in Small, One Hour Cash Loans. Money when you need it most.


Apply for payday loan.

The Short Term Cash Loan Process

The loan process is short and sweet. As long as you are old enough to borrow money (18) and are in some form of employment (Temp work is fine) and you are getting a weekly or monthly paycheck you are eligible to apply for a quick cash advance today. You can get money going into your bank account in as little as one hour should your loan application be approved. During the loan application, which takes around 60 seconds to complete, you will have to give detailed information about your person and have your credit file and credit score checked after your application submission has been received.

What Can I Use The Payday Loan For?

When you apply for a payday loan you don’t have to go into detail about what the loan is for. Generally, payday loans are taken out to pay utility bills such as telephone, banking overdraft and even food. What ever you need the cash for it is neither here or there as long as you fit lending criteria closely then you can apply now.

Small Loans For People With Bad Credit

Small Payday loans were originally designed for people with bad credit but are now also frequently taken out by people with good credit because of how convenient the instant cash loans process is.

Small Instant Cash Loans – One Hour Payouts

This type of loan genuinely is instant cash which is why both people with adverse credit ratings and people with good credit ratings apply for them. With our instant, quick cash loans format you could have the money in your bank account within one hour, you can’t get much more instant than that these days. Click here to get to work on your loan application…

Faxless Pay Day Loans

You don’t need to fax anything over to us when applying for a loan, be it a Micro loan, a pay day loan, one hour loan or any other short term finance product we offer. Just fill out the loan application and we will take care of the rest for you – totally faxless. To get started with your small cash advance application, or small loan, click the apply now button and fill out the simple 60 second form.

Some Frequently Asked Pay day Loan Questions

Is there a limit to how much i can borrow? Yes there is a limit, the current limit to how much you can borrow via this quick cash financial product is one thousand pounds £1000. The amount you can obtain via your cash advance will also depend on what you earn a month.
What are payday loans good for? These loans are great if you have spent all of your salary and need cash quick to survive until payday, you may have utility bills that need paying or essentials such as food to buy etc.
Will i be able to afford the loan repayment? The interest applied for loaning over a one month period as mentioned is little when you compare it to what you could end up owing from missing your utility bill payments or bank overdraft facility. It is imperative you work out your monthly expenditure to calculate whether or not you can afford to repay the cash loan. If you fail to be able to repay the loan at the original agreed date you will face loan renewal fees and increased interest due to the time limit extension and additional levels of interest.
What is the criteria for quick Small Loans
You need to be in some form of employment to obtain a quick cash advance and have a UK bank account that is at least 90 days old. If you fit that criteria then you are eligible to apply for a loan now.
Why is the interest on a small payday loan so excessive
The reason the interest is so large on this particular cash loans product is because it is very risky lending for loan companies that choose to offer this financial service. Payday loans are amongst the most risky unsecured lending on the finance market today.

Free Advice – How To Use Short Term Cash Payday Loans

Small loans (short term loans) are meant to be used in a specific way due to the high level of interest they can command. The APR (annual percentage rate) on a payment date loan is rather large when compared to a conventional loan, they start as low as a few hundred percent and go well into the thousands. If you use your small loan to pay for outstanding bills that would otherwise incur charges or pay for essentials like food then they are very viable as often the charges you can get from missing bills are larger than the repayback interest on short term loans.

Specialising in Small / Micro cash loans in the United Kingdom.

Payday Borrowing Repayback APR Examples

James needed to borrow 180 pounds until his payday arrived. He filled out the small loan application form and had hard cash dispatched into his banking account in under an hour. The loan was repaid via a direct debit on payday at a total cost of 225 pounds.






Lisa needed to borrow some money to pay for her car tax. She applied online for 100 pounds for a period of 14 days. Upon her payback date she paid 125 pounds back. The money was bank transfered into her bank account with 30 minutes of her application being recieved.




APR on payday loans varies from lender to lender and should be used as a guide for loan repayments.

A well known payday loans lender in the Uk has entered into the world of business loans. So far this business lending decision has been met with mixed emotions from both businesses and the public. The payday lender in question is well known for branding themselves as an alternative to payday loans but still charging around 4000% APR. The new decision to lend to small businesses will see their usual interest rates slashed by thousands of percent down to about 20%.

A stern warning has been issued by Peter Ewen, who is the Managing Director of ABN AMRO Commercial Finance and Chairman of the International Factors Group:

Parliament have voted on plans to set up a financial regulator to regulate the amount that can be lent via payday loans in the United Kingdom.
This vote is about setting up a third party regulator who will dictate how much can be lent after loan arrangement fees and APR have been combined.
It is not an act being passed to cap how much payday companies can charge in interest, but how much they can charge for the UK loans after…

The Lending Well propose to loan cash out, to payday applicants, that has been given to them by people looking to loan out money themselves….

If you are contemplating taking out a payday loan from a small loan company, ask yourself one question: Have you explored all other avenues?…

These small cash loans are viable to many many people. When someone is short of cash and needs to pay off their bank overdraft or utility bills payday loans are the perfect option. Many people state that the interest on these short term loans is excessive and some even go as far as to suggest a full on ban, but..

Recent developments in Birmingham, Alabama (America) where they look to create alternatives to high interest payday loan products. They have set themselves a mission where by they seek to give people a better financial education and…

Fast, efficient, Payday loans UK – Consumer friendly lending. Payday is never that far away, as long as you live in the UK!

Click to go back to the top of this pay day website