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Introducing Loan2Payday, an Honest, and FCA Fully Authorised Broker

Loan 2 Payday is a reputable and honest company that is committed to helping you solve your short-term cash flow problems.We take personal care of you by working hard to ensure you get the best and most affordable loan product from our vast network of lenders.

Unlike direct lenders who only offer payday loans on their own terms and conditions, at Loan2Payday we are a broker. This means through our wide range of lenders, we can match you up with the best loan that is suited to your needs. We do all the hard work to ensure that you get you approved for a loan instantly!

At Loan 2 Payday we offer instant payday loans with a higher rate of acceptance than payday loan direct lenders.We never charge any application fee for filling out a loan nor do we charge any hidden fees within our loans. We leverage the power of online lending, so you’ll be matched with the most suitable lender.

Whether you have a special event that you need cash for or you have just incurred an unexpected expense, we are here to help.

All you’ll need to provide to apply for a payday loan is to fill out our simple to use and hassle-free online loan application so we can match you with the most suitable lender.

We don’t even perform credit checks nor will we ask you to provide a pile of documents. Everything is done online and we won’t need to speak to you either face to face or by phone.

We offer instant payday loans online from £100 to up to £5,000

At Loan 2 Payday our online payday loans range from a minimum of £100 to a maximum of £5,000.

Once you are approved by a lender for the loan amount, the funds will be transferred to your bank account within 30 minutes.

Let Us Share A Story With You

Mark was a low paid waiter from Liverpool who lived by himself with his dog Buzz. Mark struggled to make ends meet to provide for himself and he knew that he needed to find a better away to get himself out this situation.

To make matters worse Mark was already one month behind on his rent and soon feared a notice from his landlord to evict from his apartment. He was too afraid to ask his close friends to loan him some money to cover for his rent problem because he didn’t want them to know about his embarrassing situation.

Fearing that he would get evicted and live homeless with just him and his dog, he desperately asked his close cousin to loan him some money to pay off his rent. Finally relieved from that situation, Mark had plans to budget some money so he can pay back his cousin. But then an unexpected situation occurs.

After coming home from a long day at work, Mark discovered that his pet Buzz wasn’t feeling well and looked like he needed to see a vet. Fearing that he could lose the only thing meant so much to him in his life; he rushed Buzz to a nearby Veterinary. The vet saw Buzz and did some tests on him. The Vet discovered that he needed to perform an operation on Buzz that would cost over £1000.

This shocked Mark because that was almost half of his months’ salary! And he had already owed his cousin the money that he lent to him so getting the money to pay both off was a nightmare for him.

Mark took his pet back home and thought of some solutions to pay for the expensive operation. He didn’t want to lose his pet nor did he want to ask for money from his friends or family to pay for the operation. He couldn’t even find another job where he could work extra hours to pay off his dog’s expensive operation. Mark had thought about taking out a loan from the bank to pay for the operation but had soon figured out that the bank wouldn’t even give him a loan with the money he was making.

But then a thought struck Mark. He had remembered somebody mentioning to him about something called a “payday loan” and how you can get loans instantly the same day you apply. So one day while surfing the internet at his local library to research payday loan lenders, he came across Loan 2 Payday. He discovered how Loan 2 Payday offers “quick, instant loans” the exact same day you apply, without any credit checks!

This was a huge relief for Mark. He can take out a loan and pay for his dog’s expensive operation and payback his cousin for the money he had borrowed from him.

Once Mark was on the website, he filled out Loan 2 Payday’s free and simple to use application. Loan 2 Payday matched him with the ideal lenders willing to lend him the money he needed. Within 30 minutes from filling out the application form and selecting a lender to lend him the money, he quickly got the funds he neededtransferred into his bank account. He paid for his dog’s expensive treatment and paid back his cousin the money he lent to him. With Loan 2 Payday’s good repayment terms, it gave Mark plenty of time to pay back the loan.

Without Loans 2 payday, this saved Mark from losing his pet Buzz

Can you relate this?

Have you been in the same situation?

Are you currently in a similar situation and are in need of fast cash?

As you saw with Mark Loan 2 Payday was able to lend him the money he needed, the same day he applied for the loan.

At Loan 2 Payday, we understand that life can throw you some curve balls at times, especially in times of desperation. Whether a big unexpected bill comes up and you need money to pay it off, we are here to help. You don’t have to suffer through times of desperation and worrying about where to come up with the money to pay off your bill.

So discover why Loans 2 Payday is your go to and ideal lender where you can get the fast cash you need.

Quick, Instant Loans That You Can Receive In Under 30 Minutes

At Loan 2 Payday you can receive the cash you need the someday you get approved for the loan. This is thanks to our simple to use and stress-free online application loan.

As a Payday Loan broker, our instant online loans range from a minimum of £100 to a maximum of £5,000.

So whether you’re car just broke down and you need the cash to repair it or you have a special event to plan, we are here to help you.

We say yes when banks or other credit unions have turned you down. With our vast network of lenders, we work hard to ensure that you get the most affordable loan so you can receive the cash you need fast.

Have Bad Credit? No Need To Worry

Unlike banks or other financial institutions that perform a credit check before granting loans, at Loan 2 Payday, we don’t perform credit checks or ask you to provide us with any documents.

So if you’re worried that you won’t get accepted for a loan because of your bad credit, you don’t need to worry. No credit check is performed as part of the application process and once you’re approved for the loan, you’ll get the funds you need instantly.

A Simple and Hassle-Free Application Process That Can Be Done From The Comfort And Privacy Of Your Own Home.

Other financial institutions will perform credit checks and make you fill out a long, complicated application form to qualify for a loan. But at Loan 2 Payday we do things differently!

We pride ourselves on making our online application process simple to use and easy to understand.

All you need to do is fill out the application form on our website. In order to qualify for a loan, you will need to be at least 18 years old, have a steady income and job, and have a bank account.

Once you finish filling out the application, you will receive a decision quickly and therefore receive the funds you need, as quickly as possible.

No Hidden Fees

At Loan 2 Payday we guarantee that we won’t charge you any hidden fees noran application fee.

We understand that you will never forgive a lender if they charge you a hidden fee that you were never even aware of. Never would we! With Loan 2 Payday’s simple to understand loan process, we guarantee you that you’ll never be charged any surprise fees.

Broker Vs Direct Lender

Before applying for a loan it’s important to understand the differences between a direct lender and a broker. The main difference between lies within their business model.

A payday lender is one that transfers cash directly into your account. As a customer, you communicate directly with the lender and fill in your details on their website. The process doesn’t involve working with any third parties.

With A Payday broker, the process is different. With a payday broker, they offer loan services of many different companies as opposed to a direct lender who can only offer loans within their own parameters.

The benefit of working with a loan broker is that a broker works with a panel of companies which means the customer is more likely to get accepted for a loan rather than applying through a direct lender.

UK Based Lender

We were founded and currently operate in the UK. We work hard in assisting you to obtain affordable, safe, and reliable payday loans. No matter what, we are always here to help you!

You can feel free to call us at or email us at if you have any questions or concerns.

FCA Fully Authorised Broker

With new regulations from the UK Financial Conduct Authority, it has become safer for consumers to apply for a payday loan.

Companies such as us are taking extra care and caution to adhere to the FCA’S principles of conduct, which promotes treating customers fairly.

For example, there are more checks and regulations we impose when lending out money such as bank verification checks, fraud prevention safeguards, and other lending checks. Also as an FCA-regulated company, the daily interest we charge on our loans is set in stone.

How Does It work?

At Loan 2 Payday, we understand that when you need a little cash to keep you afloat in the short term, you need it fast. This is why we have developed a simple loan application process, that gives you a quick decision and if approved, the funds will available for you quickly.

Our online loan process is simple and requires you to have some documents handy to fill out our free online application.

1. Qualifying For A Payday Loan

The requirements for qualifying for a payday loan are very simple. In most cases, you will only need to provide the following information:

Proof of having a Job – we require that you are employed and generate regular income capable of fulfilling your loan repayment commitment.

Have a bank account – by verifying you have a bank account, we can prove your identity and also ensure you have a way of receiving funds and making repayments.

You are over 18 – Only adults over 18 can apply for a payday loan.

That’s it. This is all of the requirements you need to fulfill to be eligible for a payday loan.In most cases, people who can fulfill these three key requirements will receive the payday loan they want.

2. The Application Process

Applying for a payday loan through Loan 2 Payday is incredibly easy. The entire end-to-end application process only takes a few minutes of your time. We do all the hard work of matching your needs with the loans offered by our vast panel of lenders. Typically, the loan application process proceeds like this:

1.) This step involves filling out the online application form. The online application form helps us find out more about you and determine the loan details you need. Once you fill it out and submit the form to us, we will pass the details onto our vast network of lenders to determine which lender is suitable for you. At this stage, you will let us know how much you want to borrow and for how long.

2.) This Step involves us comparing your specific needs, with a vast number of loan products from a wide range of lenders. We will work with each direct lender and determine which loan from each lender is suitable for you. We will ensure your application has the best chance of being accepted and ensure you receive the lowest rate possible.

3.) This step involves us giving you a selection of one or more loan offers, from a number of lenders. You can review each offer and decide which one suits you.

4.) Once you select the ideal loan of your choice, you will be redirected to the lender that offers the loan. You will be guided through the final application process for the specific payday loan.

5.) The lender will perform final checks to ensure that you are eligible for the loan they are offering you. If you are eligible, you will receive a formal offer directly from the lender which tells you about the loan and the terms and conditions.

6.) The final step involves you agreeing to the terms offered by the lender. Once you approve it, the lender will deposit the funds into your bank account. Generally, the funds will be wired to your bank account in under 30 minutes.

What Is A PayDay Loan?

Now you may be wondering what a Payday loan is. Allow us to explain…

A Payday Loan is a small, unsecured loan that is designed to be taken out over a shorter period of time and is lent at a higher rate of interest than usual loans. These loans are usually paid straight into your bank account instantly after applying for them online if you get approved. Payday loans are typically marketed as a way to fund unexpected expenses that you don’t have the money at the moment to pay for.

In a study conducted by the ACCA in 2012, over twelve million payday loans were arranged in the UK. This table below shows the total value of payday loans that were lent in the UK from 2006 to 2012 in billions.

The Advantages Of A Payday Loan

Payday loans offer some very clear advantages over other types of loans such as bank loans or credit cards. Especially for small loan amounts, over a short-term, payday loans are potentially the best option available.

Here are some of the key advantages of Payday Loans:

  • Cash that is available for you FAST: Payday loans can be automatically transferred into your bank account within 30 minutes. There isn’t any long, drawn out application process nor isn’t there any face to face interviews. All you just need to do is simply fill out our online application which can approve you for a loan within hours.
  • No credit check required: Now you don’t have to be embarrassed to discuss your credit rating to us. As long as you fulfill certain key requirements such as being employed, having a bank account, and being over 18 you can be eligible for a payday loan . No credit check is performed as part of the application process.
  • Better and simpler budgeting: You won’t have to worry about juggling interest rates, credit card limits, and overdraft allocation. A payday loan comes at a fixed cost, with an easy to understand repayment schedule.
  • Your credit rating is protected: A short-term loan of this type leaves no lasting footprint of your credit rating. You can basically take out a loan without it affecting your credit score!

Payday loans are typically expensive than other loan alternatives. But as long as you pay them off as expected you wouldn’t incur any extra charges.

Say if you took out a £400 loan from us arranged over 90 days at an interest rate of 161.9%. The interest charged would be £161.92, therefore making the total repayment for the loan £561.92.

How Payday Loans Started In The UK

Payday loans originated in the United States and since then they have been growing quickly in the UK during the last decade.

In the UK there has always been a segment of the market that doesn’t have access to conventional lending or loans. In the 1990’s, payday loans in the UK had started and they began to rise rapidly,especially during the time of the recession in 2008.

The first payday loan shops to open up in the UK were mostly US payday loan companies that were already well established in the US.

As the amount of these payday loan shops started increasing, more and more borrowers would go and apply to get a short term loan to cover for unexpected emergencies. In fact, one in ten people in the UK has in the past used payday loans to cover for an unexpected expense.

Changing The Face Of The Payday Loan Industry In The UK

The Payday loan market in the UK is becoming safer for borrowers, thanks to new FCA regulations. For example, the maximum amount that payday loan companies are able to charge on the outstanding principle is set at 0.8% per day. Another example is that the maximum that payday companies can charge on defaulted loans is £15.

We adhere to these rules and regulations set by the FCA because we want to ensure each and every one of our customers is treated fairly.

Payday Loans and The Rise Of The Internet

As the internet began to rise in the early 1990’s, this also saw the rise of the number of payday loan lenders wanting to do business online.

As the online environment provided convenience and ease, this saw a rise in borrowers taking advantage of applying for loans without the inconvenience of going to a payday loan store.

The online lending market is growing faster than the store-based model and it’s no wonder.

Obtaining payday loans online are one of the quickest ways of easily obtaining credit. With online payday loans, you can get the cash you need the very same day you apply for a loan via an application process.

Why Are They Controversial?

It is true that some companies in the payday loan industry have attracted some controversy over the years. Unfortunately some lenders have gone too far by only targeting the most vulnerable borrowers. As well, some lenders aren’t even doing proper affordability checks.

However, at Loan2Payday, we do things differently.

We put your best interests at heart when applying for a loan and we regularly cooperate with the UK Financial Conduct Authority. All the practices we employ are all industry best practices.

What Makes Loan 2 Payday Different

We are a UK FCA-authorised payday loan broker. We take personal care of you once you apply for a loan. We don’t employ any shady practices or impose unfair or abusive loan terms onyou. Instead, we pride ourselves in working hard to find you the best short-term loan at the lowest interest rate.

Honesty and good morals are also at the heart of our business. Our business was designed with the UK FCA principles and guidelines in mind so we treat you in a fair and ethical way.

We also understand that you will never forgive a lender that imposes harsh loan terms on you which can affect you in the years to follow. This is why our mission is to ensure you’re treated with the greatest customer service and at the same time conducting our business practices fair and honestly.

Very simply we take your personal interests at heart. We committed to providing you with the best customer service and work hard to make sure you leave happy and satisfied and get what you deserve.

All you just need to do is fill out our online application which takes just minutes to fill out and then your information will be sent to the most suitable lender.

ACT NOW

How Do I Know If I Have Selected The Right Online Loan?

You might be thinking this question while reading through our page. With now many online payday loan companies in the UK, It can be a challenge for yourself to pick the perfect loan that’s right for you. Therefore we always encourage our customers to do two things.

First, check other payday loan options in the market, other than us, to see who will give you a better option. Second, we believe each payday loan should come with a product specification that explains to customers features of the loan product. This is why we proudly provide you with a product guide of our loan before applying for a loan online. Our product guides are meant to walk you through the product features and details of each loan.

How Would You Feel If You Had The Cash You Wanted In Under 30 Minutes?

Did you just incur an unexpected expense that you don’t have the money at the moment to pay it off?

Have you accumulated debt that is sucking the life out of you?

The truth is you don’t deserve to worry about how to be able to fund the unexpected expenses you’ve incurred.

Neither do you deserve worrying about not being able to find a lender to lend you the cash you need.

If so, we here at Loan2Payday are here to help you in your most terrifying situation. At Loan2Payday, we will work hard to try to provide you with the cash you need on the same day that you apply for it. We do this for you so you can pay off whatever expense or debt you have incurred and get you back into financial shape.

Whatever the reason is for your cash shortfall, a payday loan is a good choice for you if you lack the access to more traditional types of credit. Despite the high interest that payday loans charge, they are a great advantage because of the speed of availability of the funds you need.

But before you apply for a loan you must ask yourself some key questions:

  • How do I find the right payday loan?
  • What is the best short-term lender?
  • What kind of interest rates can I expect to pay?
  • And lastly, how do I find the lowest?

Luckily, at Loan2Payday we are here to help! We work hard to help you find the best loan with the lowest interest rate right for you.

Getting You The Loan You Need

Right now you can get the loan you need so you can pay off the debt or unexpected expenses you’ve incurred.

You can finally start living stress-free and without worrying about where to come up with the funds.

The truth, one in six UK adults or 8.2 million people are already “over-indebted” and struggle to keep on top of their borrowing. But who said you have to be one of them?

Loan 2 Payday’s instant loan can ensure you receive the loan you want at the most affordable rate delivered to your bank account in under 1 hour.

You debt-free future begins here!

We’ll Find the Best Payday Loan for You

Whether you’ve just incurred an emergency expense or you have a special event to plan for and are in need of cash, Loan 2 Payday can help. Loan 2 Payday guarantees to find you the best short-term loan, at the best interest rate through our vast network of lenders.

We have made it easier for you to apply for the payday loan by using our integrated online loan application platform.

Once you have completed our online application form, we analyze your needs against a wide range of loan offers. The ones that you are eligible for will be displayed for you and you just decide which offer to accept.

This is a major benefit of using Loan 2 Payday to find a short-term loan. We pre-approve multiple loan offers using a single application. No need to go through the qualification process for each individual lender.

So if you’re ready to apply all you just need to do is fill out our online application which takes a couple minutes and then your information will be sent to the most suitable lender.

But hey, we understand that you may have additional questions that need to be answered. You are free to contact us at any time, and we will do our best to answer your inquiries, and assist you in moving forward with your payday loan application.

Trust The Experts At Loans 2 Payday

If we seem to emphasize a lot on how easy, hassle-free, and quick our loan process is, it’s because we simply care about you. We are all about helping you get the money you need instantly and providing you with professional customer service when applying for an online payday loan.

So If You’re Ready To Apply, Here’s What You Need To Know

If you have decided that a payday loan is the right kind of short-term loan to fill your needs, then it is time to fill out our online loan application.

We make this process very easy to apply for by using our integrated online loan application platform. We can get you the loan you need, quickly and easily.

However before applying here is some key information that you must be ready to enter:

  • How much you want to borrow: Be sure to think about this before you apply. If you ask for too much, you will be burdened by larger repayments. If you ask for too little, you may not have enough cash to see you through to payday.
  • How do you want to repay: While most payday loans are due either on your next payday or at the end of the calendar month, some lenders offer other repayment terms. If you decide to take extended repayment terms, think about how much you can afford to repay each month, and how long you want to keep repaying for.
  • Have your bank details ready: We need these details to verify your identity, prove that you have a way of receiving the funds, and prove that you have a way to make repayments.
  • Have your employee details ready: We will need to know how much you earn and how long you have been employed at your job.
  • Have your full postal address ready: Make sure you have your full address at hand as we need this information for verification purposes.

Get A Free Quote For Your Loan

All you would have to do is fill out your personal information with the loan amount you want and we’ll send you a free quote of what it’ll cost you for taking out a loan.

Late Repayment

If you know that you will be late in paying back your loan, we strongly encourage youto contact us immediately to discuss this. The implications of not repaying your loan may result in affecting your future attempts at securing a loan.In addition, it can result in late charges potentially being imposed by the lender on top of your total amount you owe.

We understand that you might go through an unexpected situation and won’t be able to pay your loan on time. This is why we strong encourage you to contact the lender where there may be options to rearrange the date of the repayment.

FAQ

1. How much money can I borrow?
You can borrow from as little as £100 to as much as £5,000

2. How will I receive my loan?
Your loan will be transferred electronically into your bank account.

3. What do I need to qualify for a loan?
The standard criteria requirements that you will have to meet in order to apply for a payday loan from us include:

  • Must be aged 18 years or older
  • You have a job
  • Have a bank account where you can receive direct deposits
  • Have a regular source of income

4. Will you perform a credit check?
Loans 2 Payday will not perform a credit check during the application process. However, once you’re approved it is possible that the lender will carry out a credit search to analyze your ability to repay the loan.

5. How soon can I receive my loan?
If you fill out the loan application and then you are approved by a lender on a weekday before 3pm, you can receive the money on the same day. However, if fill out the application and make you’re approved for a loan after 3pm OR on a weekend/bank holiday, you will typically receive your money on the next available working day.

6. If I don’t pay my loan on time, What Are The Consequences?
If you know that you’ll be late in paying back your loan, you’ll have to contact us immediately where there could be options to rearrange a date to pay for the loan. You can contact our support team at:

7. How do I repay back my loan?
Loan repayment is automatically taken from your account on the agreed repayment date. All you will need to do is ensure that you have the money in your account at the time of the repayment date.

8. Are you able to give discounts?
We don’t offer any discounts nor any promotions for first-time customers. However, we do understand that sometimes we aren’t always the most affordable loan option in the market. This is why we encourage you to compare the interest rates our lenders offer with other financial institutions.