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£100 to £5,000 paid out by 12:39pm *

Fast 3 to 36 month loans.

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Representative APR 49.9%.

Representative Example: £1200 borrowed for 18 months. Total amount repayable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9.% pa (variable). Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 36 months. Loan amount subject to lender's requirements and approval. *Once approved, your cash will be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

How payday loans work in the UK

Payday loans were one of the first types of short term loans to be recognised as an alternative form of borrowing money. Named because the loan, interest and any charges were usually paid back on the next time the borrower was paid. These loans were usually for small amounts of money only and traditionally paid out in cash. Things have of course changed, yet what remains the same is that payday loans are still recognised as one of the quickest and most effective ways of borrowing a small amount of money over a short period of time with the money often paid out the same day.

Yes, you can, but as with all loans in the UK, applications are subject to credit and affordability checks to ensure a person can afford the loan and is not deemed too much of a risk. Once performed, direct lenders will take your credit score and other factors into account before making their decision. Whereas in the past, this decision was based predominantly on your credit score, modern lenders, many of whom specialise in helping people who may have experienced bad credit in the past, now take into account various criteria when making their decision.


People in the UK now have much more access to short-term loans. Whereas some people can be put off by the higher-than-usual interest rates, these rates are often based on annual lending and are therefore not fully representative of what you will actually repay, which can be less than first imagined. Strictly regulated by the FCA, all of our direct lenders are fully licensed to offer payday loans in the UK; thereby providing must needed assurance regarding your loan and helping to alleviate any concerns you may have. Before applying for any type of credit, you should be sure that you can make the repayments as missed or late payments can cause financial problems.

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Like most loans, payday loans in the UK are used for a variety of reasons. As they are now available in such varied amounts, you can use a payday loan for most purposes, such as to pay an emergency bill or pay off other credit. Traditionally small in nature, modern payday loans can now be for much bigger amounts. This is because these loans can now be repaid over much longer periods of time, thereby increasing the amount that you may be able to borrow. As with all short-term loans, payday loans are designed to help people who suddenly find themselves needing extra funds for a short period of time, where other types of credit may not be available. Furthermore, because such events are often unexpected and urgent, modern lenders have made the application process for payday loans as simple as possible.


Payday loans should not be used as a long-term financial solution. Think carefully before taking out any type of credit.

Continuing with the aim of getting people the money they need when they need it, our direct lenders will provide you with an instant decision regarding your loan. Following this, once your application has been fully approved, the majority of lenders will get the money into your account in just 15 minutes*. At CashUpJar, you can apply online 24 hours a day, 365 days a year. What all of this means is that from the moment you visit our site, we and our lender partners will strive to get the money into your account in the shortest period of time possible to help you with your situation.

£13per month

The approximate interest for borrowing £100

CashUpJar is an authorised and regulated credit broker – not a lender: Rates between 9.3% APRand 1294% APR – your no obligation quote and APR will be based on your personal circumstances – we compare short-term loans from over 50 lenders to get you the best APR possible for you. Loan term lengths from 3 to 36 months.

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Should I get a payday loan with CashUpJar?

Featuring an extensive and varied selection of the most well-known and reputable direct lenders, CashUpJar is well placed to find you a payday loan. Following a series of simple questions, we use the information to search our panel of lenders to find you the best deal without affecting your credit score. We are then able to return a decision almost instantly. If you are approved, most lenders will send the money straight away, some within 15 minutes* All of this combined means we can help you get the best loan for you quickly and with the least fuss, online and at your convenience.

Traditionally, a payday loan was to be repaid in full, along with the agreed amount of interest as soon as you were paid next; meaning most were repaid in one month or less from the time you received the loan. Therefore, these loans were only seen, and offered by lenders, as a short-term solution. Whilst some things have remained the same, such as the requirement that you are in either part-time or full-time employment, modern payday loans have changed in one respect – how long you can have to repay what you borrow.


Because payday loans are now available in larger amounts, and reflecting demand for loans featuring varying repayment plans, lenders now offer payday loans with flexible repayment periods. Therefore, you can take out a payday loan for the amount you need and then pay it back over a period of months. Whilst some lenders still only offer payday loans that must be repaid in just one month, the majority of lenders featured on our panel allow you to repay your loan over a period ranging from 3 months up to 36 months or more. This allows you to much better budget your loan repayments, thereby ensuring you only pay what you can afford each month, as well as helping you avoid any possible further financial difficulties.

The majority of modern direct money lenders now, of course, offer payday loans online. This means that they can now be applied for easily and quickly. Accessible from your computer and laptop, as well as any other mobile device, you can apply for a payday loan wherever you are. Furthermore, because most of our direct lenders operate almost exclusively online, you can apply for your loan at any time of the day or night, as well as during weekends; when it is often easy to think you don’t have any options.


As with any type of credit, you should not enter into a credit agreement lightly. Payday Loans can be a more expensive form of borrowing and you should assess your circumstances carefully before applying.

  • We have a 95%
    Acceptance Rate
  • 60 Second
    Application
  • No Fees,
    Ever!
  • All Credit Scores
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Ready for a quick loan?

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If you are looking for a payday loan but have very specific requirements, there are thankfully many different options now available to you, such as short-term loans or instalment loans. Whilst, not every lender will offer every option, our panel of lenders has been carefully selected to ensure as many options as possible are made available to you. We, therefore, feature some of the largest direct lenders currently operating in the UK, as well as other smaller ones that feature on specific types of loans. One thing all these lenders have in common, however, is that that they are all fully authorised and regulated by The Financial Conduct Authority.

In the past, if you had a poor credit rating the options for borrowing money were extremely limited. Many lenders required customers to have a guarantor if they had a low credit rating. The introduction of short-term loans has added much more choice for customers who want a loan with no guarantor. Our panel of lenders specialise in providing no guarantor loans to people of all credit profiles in the UK. As we can search the market without damaging your credit profile, we are well placed to find you the best
no guarantor loans on the market from direct lenders in the UK.

With students now coming in a variety of types, as well as ages, lenders in the UK have recognised the need for loans that reflect this diversity. As such, payday loans for students are available as long as they have an income and meet the other requirements for the lender. Generally requiring the student to be between a certain age group and being in either part-time or full-time employment, these loans can be appealing to students because they can be applied for easily online, are tailored to their own needs, and the cash is often with them very quickly. Students should be mindful that other forms of credit may be available to them and they should assess their options before applying. short term loans should not be used to boost income and should only be used if a for a genuine borrowing need.

If you are worried about your debts or are struggling to meet your repayments, it is important to get some impartial, free advice, quickly. There are a number of charitable organisations that can help customers who have struggled to manage.

It is important to speak to your creditors as soon as possible. They have a duty of care to help customers who may be struggling with their debts. They may be able to offer a repayment holiday, stop charges and interest or refinance your credit.

If you are struggling with your debts and require assistance. You can speak to the companies below, free of charge.

moneyadviceservice.org.uk
stepchange.org
nationaldebtline.org

  • We have a 95%
    Acceptance Rate
  • 60 Second
    Application
  • No Fees,
    Ever!
  • All Credit Scores
    Welcome

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