Online Loans

£100 to £5,000 paid out same day!*

  • Loans Paid Same Day
  • Bad Credit Considered
  • Instant Decisions
  • Borrow up to £5,000

Select how much you'd like to borrow and over how many months below.

Rates from 12.9% APR to 1721% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%. Representative APR: 79.5% (variable). 

Warning: Late repayment can cause you serious money problems. For help, go to

WageDayAdvance is a broker, not a lender, and does not make credit decisions. We may receive a commission from the lender.

If you’re looking for quick access to cash getting online is a good idea.

WageDayAdvance takes advantage of all the benefits that the digital world has to offer, to bring you the lending solutions you need at a speed that suits you. Unlike traditional brokerage solutions that required a lot of exhausting and annoying meetings or phone calls, WageDayAdvance operates on the web. That means we can find the loans you need faster, and you can get your cash on the same day.

The online loans that our lenders offer are quick, convenient, and safe. Plus, because we work with some of the top-rated companies in the UK, we can also ensure that you get a flexible and reliable lending experience.

Online loans are the future of simple lending.

What are Online Loans?

Online loans are simply quick, short-term loans that you can apply for online. At WageDayAdvance, we think that traditional loan applications used to be too time-consuming and frustrating. Applying for money used to mean having endless conversations with financial professionals, waiting on hold in a call queue, and answering a lot of uncomfortable questions about your finances.

Our online brokerage system introduces you to the world of simple online loans with a very different approach. With online loans, like the ones our trusted lenders can provide, you can access all the information you need and make the application that’s right for you from the comfort of your own home. You don’t even need a computer – a tablet or smartphone works fine too.

Here’s what you need to apply for an online loan:

  • To be a UK resident over the age of 18
  • Evidence of your income (a regular income is crucial)
  • A device that connects to the internet
  • Some basic answers to simple questions
  • The amount and term length of the loan you want

With WageDayAdvance, you can find loan solutions ranging all the way up to £5,000, completely online.

How much would you like to borrow?

Rates from 12.9% APR to 1721% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%. Representative APR: 79.5% (variable). 

Warning: Late repayment can cause you serious money problems. For help, go to

WageDayAdvance is a broker, not a lender, and does not make credit decisions. We may receive a commission from the lender.

How do I get an online Loan?

Online lending is one of the most convenient things to come from the digital world. As more of us spend our time online through phones, computers, and tablets, online loans are becoming a quick and easy way to access the fast cash you need.

At WageDayAdvance, we help you to access the online loans that are right for you, by automatically linking you to the lenders most likely to approve your application. Here’s how it works:

  • You fill out our application form, letting us know your details, how much you want to borrow, and how long you want to borrow the money for.
  • Our automated system will check your details against the information we have for our leading UK lenders, easily matching you to the lender that’s suitable for you.
  • You’ll be offered a loan by one of the lenders that can provide the terms, and cash amount that’s suitable for you. You can even get a loan offer if you don’t have great credit.
  • You can accept the loan if you want to go ahead, and a full credit check will be conducted. Your lender might also ask you for some additional information to check affordability.
  • If everything goes smoothly, the money you asked for will arrive within your account in a short time. Some of our lenders can even offer you the cash you need the same day.

We get rid of the more time-consuming and frustrating parts of searching for a loan, like comparing lenders or trying to find someone who might cater to people with poor credit ratings. When you apply with us, you only need to provide some basic information about yourself, so we can match you to a provider from our panel of amazing lenders.

Only once you progress to the final stages of the application will you need to think about things like full credit checks. You may also be asked for additional information.

How Do Online Loans Work?

The process of applying for an online loan isn’t that different from applying for any kind of loan. When you apply to borrow with one of our lenders through the WageDayAdvance brokerage system, you’ll begin with an initial application. You fill out an online form using your chosen internet-connected device, and our system will check the accuracy of the information you enter.

We’ll check things like your phone number and postcode to ensure that you’re the right person we think you are, then we can send your loan application to all of our trustworthy lenders that might want to consider your loan. The processing time to get your application decision can be as low as two minutes, so you can check out the results almost instantly.

If your loan application gets approved by a lender, then you can decide whether you want to accept the loan, and you progress to the final approval and underwriting stage. At this stage, your loan provider might ask for additional information before any funding is paid out.

Usually, the instant transfer of funds to your bank account from an online lender is extremely quick. You can get the money you need within the same day as applying.

What are the benefits of online loans?

In a world where most of us spend the majority of our time online anyway, online loans make a lot of sense. They’re a fast and efficient way to get access to cash when you need to borrow money quickly and pay it back in a short period of time. At WageDayAdvance, we can help you to discover the benefits of online lending for yourself, including:

  • Convenience: You don’t need to visit a real physical location or talk to someone over the phone to apply for your loan. You can complete your application online instead.
  • Comfort: There’s no need to travel anywhere, just load up the website on your smartphone and go from there. You can even wear your PJs while you apply.
  • Speed: Most of the lenders that we work with at WageDayAdvance can give you the loans you need fast, sometimes within the same day as your application.
  • Efficiency: Our automated system does the work of matching you to a lender fast, so you can save time on getting the money you need.
  • Privacy: You don’t have to talk about your lending needs with anyone. Just fill out the forms in a place where you feel comfortable and keep your details secure.
  • Even better, because we partner with a wide range of loan providers across the UK, all regulated by the FCA, your chances of being approved are great. We can even help to match people with less than perfect credit ratings to the lenders most suitable for their needs.

    Why Use WDA?
    How much do you offer?
    £100 - £5,000
    Quick application.
    Over how long?
    1 - 36 months
    Flexible repayments.
    Bad credit accepted?
    Welcome to apply
    We cater for all.
    How do I get a loan?
    Apply Online
    Secure application.
    Representative APR
    49.7% (variable)
    No obligation quote.

    Your Online Loans FAQ

    Q: Can online loans really be totally online?

    Yes. You can apply for your loan through our system using your phone or computer and get a message sent straight to your email address. Most lenders will allow you to complete the rest of the application process online too.

    Q: Are online loans suitable for people with bad credit?

    Our regulated lenders are happy to work with people who don’t have the best credit. They’ll look beyond your credit rating to consider the affordability level you have for a loan and go from there. This means you can get credit, even if you don’t have the best history.

    Q: Will I need a credit check?

    Yes, because all of our partner lenders are FCA regulated, they are required by law to check your credit history. However, this doesn’t mean that you won’t get the credit that you need if your rating isn’t the best. We’ll help to match you to a lender that can help.

    Q: How much can I borrow?

    The exact amount you can get from an online loan depends on numerous factors, including which lender you’re going to be borrowing with, and what your financial situation looks like. Our partner lenders offer loans between £100 and £5,000.

    Q: How long will the term last?

    You can request the term that’s suitable for you when you’re applying for your online loan. This will make it easier for you to pay back the money you owe at the right speed. Our lender partners offer loans ranging from 3 months to 36 months in length.

    Q: Are online loans safe?

    Absolutely. We use a secure gateway to protect your information, and we won’t do anything to put you at risk. What’s more, because we only partner with FCA regulated lenders, you don’t have to worry about any shady characters here.

    Q: What happens if I miss a repayment?

    Online loans are generally unsecured loans, so you shouldn’t risk losing anything like your car or home if you miss a repayment. The exact actions taken by your lender will depend on who you borrow from, but some might require you to pay a late fee. Contact your lender in advance if you think you have a problem.

    Q: Do I need a good credit rating to get a good deal?

    Not at all, we’ll always help you to find the best possible deal for your situation at WageDayAdvance, this includes matching you to the company that can give you a good offer when you don’t have the best credit rating too.

    Why would I get an Online Loan?

    An online loan can be a convenient tool when you need to get access to cash fast. We find that many of our clients at WageDayAdvance come to us because they need to deal with emergency expenses quickly, and they want a short-term loan to help them handle the issue without having to worry about traditional and lengthy application procedures.

    You can use your short term online loan for a range of reasons, including paying for emergency repairs if something goes wrong with an appliance in your home, or your car suddenly breaks down. You might even borrow money online to deal with things like last minute or unexpected bills that would otherwise expose you to extra fees if you don’t pay them off quickly. Think about online loans if:

    • You have emergency expenses you need to deal with fast
    • You’re looking for a quick and convenient application process
    • You want to get an answer about your loan almost immediately
    • You need a safe way to borrow money often on the same day
    • You’re keen to get your hands on a short-term loan

    The biggest benefit of an online loan is how convenient the process is. It takes as little as 2 minutes to complete your loan with WageDayAdvance, and we can get you connected to the right lender for your needs in no time. You can even get the money you need on the same day.

    Get borrowing online

    In today’s digital world, we start our search for almost every product online. It doesn’t matter if you’re looking for a new television or a swimming suit, you probably shop online more often than you shop in the physical world these days. So why not bring the simplicity of online shopping into your loan application process too?

    WageDayAdvance makes online loan applications quick, easy and convenient, so you can move beyond the annoying old-fashioned process of calling loan companies or arranging a meeting with a financial professional.

    You can apply for the loan you need easily online through your smartphone or computer, and our brokerage system will do the rest of the work on your behalf.

    More FAQ’s

    Does WageDayAdvance operate an offline loan service also?

    No, we’re a 100% online service. Everything is done online. No phone calls or paperwork required.

    Do you offer online loans with no credit check?

    No, all UK based FCA regulated lenders must perform a credit check on all applicants. This is carried out via a soft search which does not leave a mark on your report.

    I have a bad credit score, can I still apply?

    You are more than welcome to apply for any of our loan products, regardless of your credit score or report. Our lenders also look at affordability, so if you have a regular income, there is a likelihood you will be accepted.