Apply to Borrow from £100 to £10,000*

We Cater For All Types Of Credit History So Dont Worry If You Have Poor Credit! We Can Find A Solution For You! Our Application Process Only Takes Two Minutes From Start To Finish!
  • Apply For £ 50 – £ 1,000
  • Fast Payout
  • No Fees
  • Secure Application
  • Available 24/7
  • Bad Credit




N Fast Application
N Responsible Lenders
N From £1,000 to £10,000*
N Rates from 5.7% APR to 278% APR
N 3-36 month repayment




N Online decision
N Responsible Lenders
NApply to Borrow up to £2,000*
N No Guarantor Required
N 1-12 month repayment

Representative example: £500 borrowed for 5 months. Total amount repayable is £991.85 in 5 monthly instalments of £198.37. Interest charged is £491.85, interest rate 236.5% pa (variable). Representative 481.6% APR.

Secure Payout

Monevo’s secure technology platform will present your application to a panel of lenders to help find the best financing option for your personal situation.

Paid Into Your Account

Once your application has been accepted by one of Monevo’s lenders, in most circumstances you will receive your funds within 24 hours.*

Credit Problems*

Monevo’s panel of lenders can usually help applicants no matter what their credit history is, as all histories are considered, and they cater to a wide spectrum of customers.

Auto Decisioning- allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy. We Are A Credit Broker Not A Direct Lender

Payday Loans and Alternatives 

Payday loans offer borrowers up to £10,000 to pay off immediate expenses and tide them over until the end of the month. The application process is usually very fast, with successful customers able to receive funds on the same day of applying. Provided that they meet the relevant checks and criteria, funds can sometimes be transferred instantly or within just 1 hour of approval.

A payday loan is used for short-term purposes and then repaid on your next ‘payday’ which is the usually the last working day of the month. Recently, payday loans have evolved into a more instalment loan product repaid over 3 to 12 months, giving customers the added flexibility and breathing space to pay off their loans.

UnsecuredLoans4U works with a number of trusted payday lenders in the UK, allowing you to get the finance you need in a safe and secure way. There are no upfront fees for applying and if successful, you can receive funds in one lump sum and on the same day of applying.

How to Apply for a Payday Loan Online 

Our application form is 100% online and can be completed by desktop, mobile or tablet, 24 hours a day and 7 days a week. Whilst your application will usually be processed immediately, if you apply for payday loans on weekends or bank holidays, it will just be processed the next day.

You will be asked to fill in a few basic details including your name, age, residence, employment, monthly income, expenses and bank details. This information is sufficient for our lenders to run their series of checks and if successful, funds can be transferred to your debit account shortly after. Depending on your criteria, some lenders may request a proof of income or a quick phone call to confirm your details – however, some can process your loan immediately.

What is The Criteria For Payday Loans 

  • Over 18 years of age
  • UK resident
  • Full-time or part-time employed earning min. £500 per month
  • Valid UK debit account
  • Valid UK phone number and working email address
  • Able to make monthly repayments

What Are the Benefits of Payday Loans?  

Fast: The application process and funding of payday loans is very fast and customers can receive funds in 1 hour or the same day. This is very useful to pay off pressing bills and emergencies, such as broker boilers, car repairs, home flooding, medical bills and outstanding rent.

The idea is that instead of waiting until your payday for the emergency to be fixed, you can borrow the money today and then pay back the loan when your next payday comes in. However, you must always weigh up the cost of borrowing and whether you can afford to repay. 

Clear payment terms: Payday lenders must clearly display their representative examples before funding your loan and present to you in a loan agreement how much you are going to repay and how long for. With most payday loans repaid in equal monthly instalments, you know how much you are paying each month and how much you have to budget. Simple. 

Repay early: All payday loans in the UK allow you to repay your loan early if you would like to. So whilst you have the option to borrow for up to 12 months, you may decide that you have the means to repay sooner. In which case, you can contact the lender directly or log in and pay off your loan. It will always be cheaper to pay off your loan earlier and you will save money because less interest is being accrued.

Improved market confidence: With the introduction of FCA regulation in 2014, the industry has become significantly better regulated, clearly and safer for consumer. A price cap was introduced in January 2015 to ensure that the cost of a payday loan is no more than 0.8% per day and there are new rules to prevent rollovers, extensions and to limit default charges. Also, every broker and lender must be fully authorised by the FCA to provide their services, which creates a higher standard and benchmark in the industry.

What Payday Loans Alternatives Are Available? 

Traditionally, payday loans would last for 14 to 30 days, but this would put a lot of pressure on borrowers to repay the full loan and interest at the end of the month – and often cause an unhealthy spiral of debt.

Fortunately, there are a lot of payday loans alternatives now available, and most lenders offer instalment loans for 3 to 12 months to provide some added flexibility.

If you have a bad credit rating, there are other options available, such as using a guarantor loan to add an extra person to your loan agreement and provide some more security.

There are also logbook loans, which allow you to borrow money secured against your car, bike or van – or any vehicle that you own.

How is UnsecuredLoans4U Different? 

At UnsecuredLoans4U, we are a credit broker and not a direct lender. We have spent years finding the best partners across the loans industry in the UK. Our quality matching tool aims to match borrowers with the lender most likely to accept their loan, and offer the best rate.

Our service is completely free to use and all our customer’s data is kept safely on our secure website. We will not pass on your information to any other companies without your permission – and will always try find the most suitable and responsible lender for you. For more information, read our policy on treating customers fairly.

How Do Repayments Work?  

Payday loans are repaid in monthly instalments, and you can choose the day you would like to pay by confirming this with the lender beforehand. Most borrowers will choose the last working day of the month because this is when they are most likely to be paid and have money in their account available. Some like to choose a specific date, or the date just after payday, so they can get their finances in order. 

Repayments are collected through a process known as continuous payment authority, which is very similar to a standing order. It is set up during the application process where the lender tokenises your debit card. Then, when your repayment date comes, you will receive a reminder by email and SMS and the money will be automatically collected from your account. There is no need to call up, send money or make a manual repayment, this is all taken care of. If you want to cancel your continuous payment, you can do so any time.

What Should You Consider Before Applying? 

Before you apply for a payday loan, it is important to consider whether you can afford it. It is one of the more expensive forms of borrowing, mostly because of the speed and convenience. It is important to consider other alternatives such as cheaper loan offers available or borrowing money from family or friends.

*Subject to lender approval and requirements.