Compare payday loans up to £5,000
Representative Example: £1,000 borrowed for 18 months. Repayment of £92.12. The total amount repayable is £1,658.16. Interest amounts to £658.16, an annual interest rate of 65.67% (fixed). Representative APR: 89.5% (variable)
The smarter way to find a payday loan
Compare payday lenders in one search rather than applying to each one individually.
| ✓ Loans 365 | Other Brokers | |
|---|---|---|
| Free to use | ✓ Always free | May charge fees |
| Credit score impact | ✓ No impact | Hard searches possible |
| Lender panel | ✓ 30+ FCA-regulated | Limited panels |
| Decision speed | ✓ Instant decision | Hours or days |
| Obligation | ✓ No obligation | May pressure you |
Three simple steps to your loan
Three quick steps between you and a loan option that fits your situation.
Tell us what you need
Choose your loan amount between £100 and £5,000 and give us your email. It takes less than two minutes and won't affect your credit score.
We search our panel
We match your details against our panel of 30+ FCA-regulated lenders to find loan options that suit your circumstances and borrowing needs.
Get your money
See your matched offer, check the full terms including APR and repayment schedule, and decide whether to proceed. No pressure, no obligation. Same day payout possible.*
Why thousands choose Loans 365 for payday loans
One search, 30+ payday lenders. Compare your options and find a short-term loan that fits.
Instant decision
Get an answer in seconds. No waiting days for a response.
One search, 30+ lenders
Compare payday lenders from our whole panel in one place.
Same day payout
If approved, your payday loan funds can arrive the same day.*
All credit histories
Past credit issues don't automatically rule you out.
Free to use
Comparing costs nothing. We're paid by the lender if you proceed.
Fast and mobile-friendly
Apply from your phone in under 2 minutes. No paperwork.
What you should know before applying for a payday loan
We believe in transparency. Here's everything you need to make an informed decision.
We're a broker, not a lender
Loans 365 is a credit broker authorised and regulated by the FCA (FRN: 1036139). We match you with lenders from our panel. We don't make lending decisions or set interest rates. Any loan offer comes directly from the lender, and you're under no obligation to accept.
Payday loans are short-term solutions
Payday loans are designed for short-term borrowing and unexpected expenses. They are not suitable for long-term financial difficulties.
Missed payments affect your credit file
If you fail to repay on time, your lender will report this to credit reference agencies, which can affect your credit score.
Additional charges may apply
Lenders may charge late payment fees or additional interest on missed repayments. Read your agreement carefully.
Free debt advice is available
If you're struggling with debt, free, independent help is available:
All credit histories considered
Our panel of lenders considers applications from people across the credit spectrum. Being declined elsewhere doesn't mean we can't help. We'll always search for an option that fits.
Ready to find your payday loan?
Compare 30+ payday lenders in seconds. Instant decision, same day payout possible.*
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