Payday 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.

Finding the right loan just got easier.

Here at WageDayAdvance, we specialise in matching customers in need of reliable, secure, and affordable loans, to the lending solutions that suit them. Our aim is to help people just like you find the cash you need, without asking you to jump through hoops.

Our team of committed specialists understand what it means to need money fast. That’s why we make it easier for you to find payday loans that are quick, simple, and especially suited to you. By partnering with the UK’s most trusted lenders we’ll be sure to match you with a reputable provider who can meet your every need.

So, what does it mean to find your payday loan with WageDayAdvance?

What is a credit score, and how does it affect lending?

Here at WageDayAdvance, we understand that a low credit score is a problem for many people in the UK right now, no matter how hard they try to look after their finances. Credit scores are a representative, numerical expression of your credit files. Lenders, such as the ones we’re partnered with, use to determine your eligibility for credit along with affordability and trustworthiness.

If you have taken on credit previously and have always paid it back on time, then your credit score will likely be good. This in turn means you’re more likely to get approval from just about any one of our lender partners.

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.

However, if you have fallen into arrears in the past or currently have a lot of debt outstanding, you may have a low or even poor credit score. Likewise, if you’ve never had a loan before, there is no evidence available of your ability to service the debt.

Fortunately, our brokerage system scours through a wide selection of reputable lenders to find one that suits you – including lenders that specialise in bad credit.

We understand that bad credit doesn’t always make you a bad lender! Partnering with FCA-regulated lenders who specialise in serving people with less than perfect credit scores means we can help anyone get the short-term cash they need. Even better? Working with us won’t have a negative impact on your credit score either.

As a broker, we’ll only conduct something called a “soft credit check”. Soft searches or eligibility searches just look at the basics of your credit report to see where you stand right now. This helps us to direct you to the right lender, but it won’t leave a lasting mark on your credit file!

What is a Payday Loan?

When a customer comes to us in search of a short-term loan for a last-minute emergency, we make it our mission to make the whole process as simple and straightforward as possible by offering a quick and effective way to borrow until your next payday. These lending vehicles make it easier for you to handle unexpected expenses. We can also help match you to payday loans that last a little longer than one month, so you can borrow extra for those bigger, unexpected costs.

At WageDayAdvance, our borrowers trust us to give them peace of mind, that’s why we only ever work with regulated lenders who are FCA authorised. These are the lenders you can trust to follow the rules and regulations of all kinds of lending – no matter what.

As a payday loan broker, we are partnered with direct lenders throughout the UK that meet stringent standards for lending excellence. That means that any loan we match you with will have already met our requirements for:

  • Safety: All lenders are FCA regulated and authorised. The certifications and background prove that they have their customer’s best interests at heart (just like us).
  • Simplicity: We know borrowing money can be a headache – that’s why we’re here to make it easy. We only ask the most basic of questions during the application process and accepting any loan offer is literally the click of a button.
  • Speed: We know you need to get your hands on that extra cash fast. Our loan application process takes less than two minutes so that you can get your money as quickly as possible and get back to normalcy!
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.

What are the Pros and Cons of Payday Loans?

All lending products have their pros and cons to consider. Before you jump into the search for the perfect payday lender with our help, let’s see what the positives and negatives of this kind of lending are.


  • Accessibility: When other loans are hard to access, brokers like WageDayAdvance can match you with a lender fast. We also work with specialist lenders for people with less than ideal credit.
  • Fast pay-outs: Because our payday lender partners know you need money fast, the application process is quick and simple. You can apply for your loan and minimise the amount of stress associated with talking to people on the phone.
  • Peace of mind: Payday loans are unsecured, so you don’t put your property at risk if you have any issues with repayments.
  • Quick payback: Payday loans don’t hang around sucking money from your wages every month. You get them out of the way quickly, so you can go back to living your life.
  • Flexibility: You can take out payday loans for pretty small amounts of money, which means there’s no need to borrow more than you need. Just tell WageDayAdvance how much you need, and how long you want to borrow for, and we’ll find you a match.


  • Temptation: Payday loans can be a tempting alternative to traditional loans because they’re so easy to apply for and convenient. However, these loans have a specific purpose. When you search for a loan with us, we’ll make sure you get the one that’s right for you.
  • Speed: You don’t have very long to pay back what you owe. If you need time to spread out your repayments, make sure you let us know so we can find you the right repayment term. We can help with finding payday loans lasting from 3 to 36 months.

Frequently Asked Questions About Payday Loans

Q: Can you get payday loans with bad credit?

At WageDayAdvance, we know that bad credit can be a real headache when it comes to finding a lender. That’s why we do our best to pair you with a regulated loan provider from day one, that can work with people who don’t have the best credit rating.

Q: Will I get my loan quickly?

A major advantage of payday lending is that it’s fast. We’ll do the hard work of searching for the right loan on your behalf, so all you have to do is decide which one you want to apply for. Once you’ve been approved for your loan, you can get the cash you need within the hour.

Q: Will poor credit stop me from getting a good deal?

We’re here to help all kinds of people in need of loans. If you have a poor credit score, we’ll match you with a lender that can look beyond that rating. WageDayAdvance conducts soft credit checks to start your search, so we won’t leave any marks on your credit score.

Q: Do I need a guarantor for a payday loan?

Payday loans are a form of unsecured lending, so you don’t need anyone to back you up and promise to pay on your behalf if you can’t make the payments as you should. You should however always make sure you have funds available to service the loan otherwise your credit report may be negatively impacted.

Q: Will taking out a payday loan harm my credit?

Taking out a loan will only damage your credit if you fail to pay back what you owe according to the terms and conditions of the loan. This is the same for all kinds of lending. If you pay what you owe on time, then having a loan can improve your credit, because it shows you’re capable of following the restrictions that a lender imposes on you.

Q: Is it difficult to get a payday loan?

No one can guarantee you a loan, but at WageDayAdvance we try to make applying for the money you need as quick and painless as possible. Our system will take your details to attempt to find a lender that meets your needs, so you can get the money you want as quickly as possible.

Q: How much can I borrow?

The amount you can borrow with a payday loan will depend on your situation. You’ll need to make an application to see what you’re eligible for. At WageDayAdvance, we help customers apply for loans ranging from £100 to £5000, so there’s sure to be something to suit your needs.

Q: How long can I borrow for?

Our regulated and trustworthy lending partners are flexible. If you can’t borrow and pay back the money within a single month, your loan can last between 3 and 36 months, giving you the flexibility you need to spread out payments that seem to large for a single payday.

Q: Do I need to offer security?

As a non-secured form of lending, payday loans allow you to borrow with absolutely no security. You don’t have to worry about losing your home or your car if something goes wrong. However, please do reach out to us if you have any issues with repaying your loan, as we may be able to help.

Q: Is payday lending safe?

WageDayAdvance is here to give you the peace of mind you need when applying for your loan. Because we only work with approved and regulated lenders, you know that you’re always getting a safe experience when you work with us.

Should You Apply for a Payday Loan?

If you’re in a difficult position and you need money to address a problem fast, then a payday loan could be the perfect solution. The biggest headache for most people hoping to borrow is finding a lender that’s suitable for them fast!

Here at WageDayAdvance, we take the stress out of applying for a payday loan, by doing all the hard work for you. We’ve built partnerships with some of the leading lenders in the UK, including loan providers willing to work with people who have bad credit. Our brokerage system will intelligently match you to the lender that’s right for you with minimal work on your behalf.

Our carefully cultivated brokerage system offers flexible short-term lending to people from all backgrounds, with terms ranging all the way from 3 to 36 months. Whether you need to borrow £100 for a last-minute blown tire, or you’re looking for cash to help with a flooded bathroom, we’re here to help. We’ve helped thousands of people just like you to get the money they need without having to worry about shady unapproved lenders.

We hold ourselves to the highest possible standards at WageDayAdvance and believe all our lenders should do the same. If you need a payday loan, come, and let us find you a safe solution you can trust, without all the hard work.

We Can Help

Being hit with an emergency expense is a seriously stressful experience. Those last-minute bills and broken appliances are enough to have you pulling your hair out. The last thing you want is to deal with the stress of tracking down the perfect payday loan too.

At WageDayAdvance, we’re committed to simplifying the lending process, using our brokerage system to easily link you to the lender that’s best suited to your needs. Working with us means that you can get the help you need from a reputable provider fast. That means that you’ll back on your feet and enjoying your life again in no time. We can even help people who don’t have the best credit file.

Short-term borrowing shouldn’t be a long-term headache. Find out how WageDayAdvance can help you find your perfect lending match today.

More FAQ’s

Will I need to repay the loan when I next get paid?

In short, no. Even though we offer a payday loan service, all our loans can be taken over 1 month to 3 years.

Will taking out a payday loan lower my credit score in future?

A payday loan will be recorded on your credit report in the same way as any other loan. Credit is credit. Taking out a loan, making on time repayments and completing the full term is actually seen as a positive by other lenders.

Are you a direct payday lender or loan broker?

WDA is a payday loan broker partnered with over 40 direct payday loan lenders. Your application is seamlessly sent to each and the best offer is selected and presented to you.