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Instant Payday Loans

Instant payday loans are useful if you have an unexpected expense that needs to be paid for as soon as possible. If you’re looking for an instant payday loan online, there are a few things to consider.


I'd Like to Borrow:

6 Months


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Representative APR


Representative Example: On an assumed loan amount of £750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount £1351.20 and total interest is £601.20. 12 monthly payment of £112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on the mean APR of the lenders we work with

How To Get An Instant Loan

Fortunately, when you urgently need to borrow cash to cover an expense, it is possible to get an instant decision loan. There are various types of instant loans in the UK, such as payday loans, which can be approved immediately and your money can be transferred to your bank account within hours. At My Financial Broker we work with several lenders who can offer instant loan approvals if you’re in a tight spot!

How Long Will It Take?

Once you have completed the lender’s application form and you’ve gone through the necessary credit and affordability checks, and you’re accepted you should have the money within hours. Sometimes it’s just not an option to wait until your next payday.

Other types of credit— like the personal loans offered by banks, can take up to three days to process an application and send the funds. So if you need the money as soon as possible, a short term lender is likely to be able to give you a fast decision, although this will come with a high interest rate.

Getting An Instant Loan With Bad Credit

People of all credit histories can apply for loans with an instant decision. These instant payday loans are often used by people in the UK with poor credit scores if they are unable to use other forms of credit like an arranged overdraft or a credit card.

Based on your application, we will quickly find you a suitable direct lender who can offer you a fast cash loan.

Shop Around

We’ve all heard of lenders like Wonga and Sunny, but how much do you know about the services they offer? It’s important to make sure that the direct lender you choose has everything you’re looking for. Are you able to pay back on the dates you want to? What is their customer service like? It can be helpful to look at reviews to see what other people are saying.

If you are looking for a loan to repay other credit, or if you’re experiencing long term financial difficulty, taking out a short term loan won’t be the best option.

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