Instant payday loans from safe lenders

£100 to £5,000 paid out by 6:14am *

Fast 3 to 36 month loans.

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

Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

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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.

Payday loans with instant decisions

With many instant payday loans available online, direct lenders are continuously reducing the time it takes to get the money into your account. As such, many lenders now promise to get you the cash you need within 15 minutes* of your application being approved. To help reduce the time it takes to compare the best instant payday loans in the UK and apply to a lender, we have created a very simple online process. Using the information you give us, we will quickly send your application to our lender partners, who will return a decision in seconds. To make sure you are getting the best deal possible from our lenders we always refer your application to the lender with the lowest APR first. You don’t need to worry about this impacting your credit score as lenders will perform a “soft search” at this stage.

Instant payday loans are one of the quickest ways of getting access to money when you suddenly and unexpectedly need it. Wanting such simple access to be given to everyone, we work with direct lenders who cater to people with good credit and those with poor credit scores. This is because we firmly believe that everyone should have equal access to money in times of emergency. Therefore, every lender on our panel has been selected because of its commitment to providing loans to people who otherwise would normally struggle to be approved.

One of the biggest issues surrounding short term loans is how fast the money can be paid into your account. If you do a search, you will see most lenders promise almost instant loans, particularly if you are applying for instant payday loans online. Obviously attractive, the reality sadly can often be quite different, with payments sometime paid much later than promised. Understanding that such small loans are often required in emergencies, we do everything we can to ensure our panel of lenders offer instant payday loans that guarantee to get you the money you need as fast as possible.


Determined to provide you with the funds you require, we strive to provide an instant decision regarding all payday loans. Furthermore, by processing applications quickly, we have been able to significantly reduce the total processing time. What this means is that when our lender partners offer instant cash loans, that is exactly what we will do. Therefore, after a quick application, and of course if successful, our lenders do everything we can to get the money into your account in approximately 15 minutes*. Such speed offers many advantages, none more so perhaps than the peace of mind it can instantly give you in stressful situations. Able to be applied for online, and from anywhere and at any time, it means you can get the money you want no matter the situation you suddenly find yourself in.

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Apply for £100 - £5,000 in 60 Seconds

Knowing that the sudden need for extra funds can happen to anyone, we have ensured that our panel of direct lenders includes those that specifically seek to help people who would perhaps normally be turned down for such instant loans. Therefore, many of our lenders offer instant loans for applicants with bad credit, as well as those with good credit histories. By offering such a large choice of instant payday loans and featuring some of the most trusted and well-known direct lenders in the UK, we endeavour to ensure we offer you the very best instant loans.


Because of the quick, short nature of payday loans, many people worry that the lenders offering these loans are not authorised to do so. However, to eliminate such concerns, we are fully authorised and regulated by The Financial Conduct Authority, meaning there is absolutely no risk to you regarding your application. Furthermore, to reduce any additional costs to you, we offer our service completely free of charge. By guaranteeing no hidden fees or charges, this allows you to search for the right loan, safe in the knowledge that doing so will not cost you a penny.
Instant Loans are not a long-term credit solution and careful consideration should be given before obtaining credit.

£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.

Try our No Obligation Eligibility Checker

Get your money by 6:14am

Find out your chances of being approved for a loan, without leaving a footprint on your credit file. Totally free and no obligation to apply.

Eligibility Check

What are the risks of an instant loan?

As with all ways of borrowing money, there are of course always risks. One of the biggest risks is ensuring the direct lender you borrow from is authorised and regulated. However, many people in the past, particularly those with bad credit, were often forced to choose whatever direct lender said yes first. This often resulted in people accepting loans and terms that were very unfavourable to them. Happily, this has now changed, with many lenders now offering instant payday loans featuring terms comparable to those offered to people with good credit, although those with good credit scores will be likely to obtain a cheaper APR given their reduced risk. To help alleviate any worries you may have, we and our lender partners are fully authorised and regulated by the FCA and all lenders have to adhere to the rate cap that the FCA has introduced to the short term loans market

We will only recommend lenders that pass our strict requirements. By eliminating such concerns, you will be free to concentrate on what is important; choosing the best loan and lender for you. Another of the pitfalls to avoid is that of false claims. Some less-than-reputable lenders will offer anything to get your signature, this includes loans with no credit check. As has been explained, all licensed lenders in the UK are required to perform credit checks. Therefore, if you see a lender promising this, it is recommended you avoid it as they are most likely unlicensed, or they will simply perform a credit check without your knowledge – something that can lead to problems if you are declined and do not know. By providing you with all the information you need, as well as giving timely updates as and when needed, you can ensure you are always fully in control of your finances. Furthermore, with all our lenders offering complete transparency regarding every aspect of your loan, you can make sure that you budget accordingly; enabling you to pay your loan back in the quickest, most affordable way.

Whilst you may be forgiven for thinking all payday loans are the same, the reality is that there can be various formats of this loan, as well as subtle differences between what the lenders offer and require. When deciding on which instant payday loans direct lender is best for you, you must first decide which type of payday loan you want. Understanding that more choice equals greater freedom, we have striven to create an expansive panel of lenders.


No matter what type of short term loan you require, we are confident that we will have the right lender for you. One example of the different types of loans on offer is instant payday loans with no guarantor. Whereas in the past some loans required a guarantor, lenders have thankfully long realised that some people did not have access to a guarantor, whilst other people simply did not want to have one. Therefore, loans requiring no guarantor have gradually become more available for those people who may have a poor credit rating. While loans with a guarantor are still available, and often preferable for young people looking to take out their first loan, no guarantor loans enable everyone to have equal access to funds when needed.


Whereas there may be differences in the specific group’s such loans are aimed at, many instant payday loans will feature similar application processes, repayment plans and interest rates. Therefore, regardless of the type of loan you are looking for, most will guarantee that you get the money the same day as you apply. In addition, because most loans are similar, you will be able to easily shop for the best deal, helping reduce the chances of you being charged more simply because of a perceived bad credit rating. With lenders offering a variety of loan sizes, everything from less than £100 to up to £5,000, you will be able to get the exact amount of money you need. Furthermore, by allowing you to choose how long you have to repay your loan, you can budget accordingly, ensuring you won’t run into financial difficulties in the future when making your repayments.

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

Ready for a quick loan?

Apply for £100 - £5,000 in 60 Seconds
  • We have a 95%
    Acceptance Rate
  • 60 Second
    Application
  • No Fees,
    Ever!
  • All Credit Scores
    Welcome

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