Payday Loans Direct Lenders

Our goal is to be as transparent with our customers as possible. Use our online simple submission portal to get your loans now!

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What is a Direct Lender?

A direct lender is someone who provides loans directly from their own funds. You can apply for a loan from them, and they will then send the funds directly to you. They handle the lending process themselves.

A payday loan direct lender is more focused on helping you get out of short-term financial emergencies. You can make a quick small loan and have it be returned over a short period of time.

How to Find Payday Loans Direct Lenders in the UK?

There are several payday loans direct lenders you can find in the UK. The easiest way to look for them is by searching them online. You can then go through the companies suggested to you and see what they have to offer and whether they’re the best lender for your situation.

Another way to find payday loans UK direct lenders is by contacting a broker or a ‘middleman’ who can bring you direct lenders that can offer the best deal for the type of situation you’re in. This also often grants you a higher chance of getting approval for your loan. If you have a poor credit score, they can also help you find a payday loan direct lender bad credit.

What Are the Requirements of Direct Lenders For Payday Loans?

Applying for direct payday loans is actually quite easy, especially when direct lender for payday loans allow you to apply online, which means the actual process takes little to no time.

The criteria to get approval for your loan is minimal. If you want to apply for a loan, you must have the following requirements:

    • You must be at least 18 years old or above.
    • You also need to have an active bank account. A steady source of income will also be required for the loan.
How much can I apply for?£100 to £5,000Zero-obligation quote
Length of the repayment1-36 monthsQuick payout
Interest rates (variable)49.7%Zero paperwork
Can I apply with poor credit standing?YesBad/low credit considered
Do I have to pay a lump sum?NoFlexible repayment
When am I allowed to apply?24/72-min simple application
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Is UKBadCreditLoans a Direct Lender?

No, we are not a direct lender. Instead, we are a payday loan broker responsible for finding the best payday loan direct lender for you. Our job is to connect you to reputable lenders and bring you the safest, quickest, and most reliable loans with minimal impact on your credit score.

Here at UKBadCreditLoans, you won’t have to worry about your credit rating. There are a lot of payday loan direct lenders for bad credit in the market right now, and we do our best to find the best one with an interest rate that won’t be impossible to afford.

How Do Direct Lender Payday Loan Services on UKBadCreditLoans Work?

Our goal is to be as transparent with our customers as possible. Here, we will provide you with a look at how our process for payday loans, including payday loans UK direct lender bad credit, works:

  • Go to our ‘Apply Now’ page and fill up the application form with the necessary information required.
  • After you have submitted your application, it will be processed and sent to one payday loans bad credit direct lender from the dozens in the market right away. If it’s successful, it will automatically forward you to the website of the Lender. Keep in mind that some might require you to fill out their own application form even after the approval has been given.
  • Once your application is approved and you’ve been redirected to the lender’s website, a copy of the loan agreement will be sent to your email. If you’re satisfied with the details of the agreement, all you need to do is place your electronic signature to finalize the agreement.

Looking to Borrow Money Easily?

1 month

Representative Example: Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

What Are the Differences Between a Broker and a Direct Lender?

The key difference between a broker and a payday loans direct lender is that a broker is responsible for connecting the borrowers to the lenders. While a direct lender is someone who directly provides you with the loan.

The advantage of contacting a broker is that you’ll have access to multiple short-term loans UK direct lender. You’ll also have an easier time finding lenders that have a great chance of approving your loan. But the downside could be that some lenders won’t work with brokers, so you’ll miss out on several of them. Brokers also tend to charge fees directly to the homebuyer.

With direct lenders, you usually get a better interest rate and lower costs and at the same time won’t have to pay additional broker fees. But payday loan direct lenders only limit you to the institution’s lending program. Not to mention, if you get rejected by multiple lenders, it can hurt your credit rating.


What is a payday loan?

Payday loans are small loans that are paid over a short period of time. They are usually lent at a high-interest rate, with the principal and the interest being paid in monthly instalments usually during the paydays of the borrower. This type of loan is designed for short-term financial emergencies.

Do payday loan direct lenders require a credit check?

Lenders usually check a borrower’s credit score to assess if they can afford the loan. This is considered best practice so if a payday loan direct lender in the UK or a broker does not offer any credit checks, there’s a huge chance they might not be FCA regulated and could potentially be loan sharks.

Who can apply for a payday loan on UKBadCreditLoans?

Anyone who fits our basic requirements can apply for a payday loan. Even if you have a poor credit history, you can still be eligible for a loan. We do our best to find the best payday loan bad credit direct lender for you.

What would happen if I miss the repayment?

If you miss a repayment, you might get a ‘default notice.’ After two or three missed repayments, your loan will ‘default’ and more interest and charges will be added. If you miss it a few more times, the lender could threaten to sue you.

Find Your Right Payday Loan Lender Today!

In a sudden financial emergency and need a quick way out? Don’t hesitate to reach out to us whenever you can, and we’ll find the best loan offer for you!

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