Same Day 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.

You need money, and you need it now.

At WageDayAdvance, we understand that it’s not easy to be hit with a financial emergency you need to handle straight away. Whether it’s a broken-down car that’s stopping you from getting to work on time or a problem with your dishwasher at home, these last-minute problems are a real headache.

That’s why it’s so important to have access to the right loans that can give you cash immediately.

By partnering with fast loan providers across the UK, we ensure that our customers can get access to the secure and reliable loans that they need within the same day of making their application. All you need is an internet connection to get started.

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.

What is a Same day loan?

A same day loan is a lending solution designed to give you access to emergency money straight away. Most often used to deal with a last-minute crisis, like a broken-down vehicle, or an unexpected issue at home, same day loans bypass the time-consuming parts of traditional loan applications.

With a same day loan, like the ones offered by our lending partners, you’ll usually access a small amount of money for a short period of time. The idea is that you can get the money fast (usually the same day) and pay it back in the next few months. The common features of a same day loan include:

  • A speedy application that you can usually complete online
  • A fast repayment term under 36 months
  • A smaller amount of money that doesn’t exceed £5,000

Quick loans delivered in the same day that you make your application with the WageDayAdvance brokerage system are usually a great option for UK consumers who need fast ways to deal with emergencies. The good news is that applying for these loans can be a lot simpler than it seems.

Who Can Get a Same Day Loan?

You might think that only people with the best credit scores could get a same day loan immediately. However, that’s not always the case. The same-day loans offered by the reputable lenders that we work with are available to people from all walks of life – even if they don’t have the best credit history. All you really need is to be 18 years old and have a UK residence. You’ll also usually need to prove that you have a regular income.

Once you’ve filled out our easy online application using your phone or laptop, you’ll be matched with some of our amazing and well-respected lenders, who can offer you the loans that you need. If you choose to go ahead with your loan, then you might find that your lender asks for additional information to ensure that you can afford the loan.

Because all of our lenders are FCA regulated they’re required by law to conduct a credit check. However, a poor credit rating won’t automatically stop you from getting the money you need. We’ve helped many people without the best credit scores to access same day lending.

What do you need to get a same day loan?

As mentioned above, if you’re a UK lender with proof of income, and you’re over the age of 18, then you should be able to apply for a same day loan. With the WageDayAdvance brokerage system, you don’t even need to waste time searching through different lenders for the best deal. We’ll quickly assess your situation with our online service and match you to a lender within 2 minutes.

All you need to start your application is:

  • A regular source of income to prove that you can repay the loan during an affordability check
  • To be a resident of the UK and over the age of 18 – so you’re a legal adult
  • An internet connection and a device to access our website on
  • To complete our simply and effective online form (it only takes seconds)
  • A phone number or email address so your lender can contact you to finish the loan process
  • A bank account that your loan can be paid into once approved

You do not need the best credit history to get a same day loan, although it’s always helpful to work on your credit if you can. Our partner lenders work with people who don’t have the best credit rating too. What’s more, when you pay your same day loan off on time, you might even find that your credit rating begins to grow.

How do Same Day Loans Work?

A same day loan like the ones offered by our lenders works similarly to any other kind of short-term lending solution. When you apply for a same day loan through the WageDayAdvance, you start by filling out an application form which allows us to check your eligibility for a loan and match you to one of the FCA- regulated lenders on our system within two minutes.

Remember, our soft credit check strategy will help us to match you to the lender that’s right for you without leaving any marks on your file.

After that, your lender will offer you the loan if you’re approved, and you can decide if you want to proceed into the final lending stages. This will include:

  • A full credit check and affordability check conducted by your lender. Don’t worry you can still get a loan if you don’t have ideal credit. Our lenders are very flexible.
  • Finishing your application by offering any additional information required. Make sure that the information you supply on our form is accurate to reduce the time it takes to get your loan.
  • Receiving your money into your chosen bank account. Your lender will send your money into your bank account often within the same day.

Once you’ve received your same day loan, you can pay it back according to the terms agreed with your lender. The offer you receive from the lender that we match you with WageDayAdvance will include all the information that you need for the conditions of your credit.

You’ll be able to check the amount you want to borrow, the interest rate, additional fees, how long you have to pay, and so on. If you have any questions, just get in touch.

Same day loan FAQ:

Q: Can I really get loans within one day?

Absolutely, the online world and faster payment strategies make it much easier for our regulated lenders to pay the money that their customers need into their accounts within a matter of hours or minutes. Our form only takes minutes to complete too!

Q: How quickly do I need to pay the money back?

When you’re filling out our form at WageDayAdvance, you’ll be able to choose the term for your loan, as well as the amount you want to borrow. We partner with lenders that offer loans ranging from 3 months in length to 36 months.

Q: Do I need good credit to be approved?

Good credit always comes in handy with loan applications, but bad credit won’t stop you from getting a same day loan with WageDayAdvance. We’ll help to match you to a lender that’s right for you regardless of your credit history.

Q: How much can I borrow?

The amount you can borrow will be determined based on your situation and the lender that you’re borrowing from. Our partner lenders can offer loans ranging from £100 to £5,000, depending on your needs.

Q: Are same-day loans safe?

Yes, you can apply for a same day loan through our brokerage system without having to worry about safety. We only work with the highest quality of lenders in the UK, who are all FCA-regulated. Your same day loan will also be unsecured, so you don’t have to put any of your possessions at risk.

Q: What if I’m not approved?

If you’re not approved for a loan (which is very unlikely), you can always see whether there are some ways you can improve your credit situation. You might struggle to get a loan if you’re already borrowing money from a short-term provider.

Q: What if I don’t get the money the same day?

Most of the lenders we partner with can give you access to the loan you need within the same day. However, you should be aware that bank holidays and other issues can occasionally slow down the payment process. Most lenders can deliver cash within 15 minutes, though.

Q: Is there an extra cost for a quick transfer?

This depends on the lender that you choose. Most of our approved lenders will send the money that you need within the same day without any additional fees. It’s rare that any lender will ask you for more money when it’s so easy to send same-day cash today.

Q: Do you need to check my credit?

The lender that you’re matched with through the WageDayAdvance will need to conduct a credit check to ensure that it’s safe to give you your loan. However, we do not conduct hard credit checks when you use our brokerage system. Soft checks of your file will not leave any marks on your credit report, so we won’t harm your rating.

Can I get a guaranteed same day loan?

No loans are guaranteed, that’s the nature of the complicated financial world that we live in. But at WageDayAdvance, we make it as easy as possible to get the loan that you need without any added hassle. Our online system allows you to access a range of lending opportunities instantly, so you can get access to money for a range of different reasons. You won’t have to jump through hoops or answer any unnecessary questions when getting your loan.

Because the same day loans that our partner lenders offer are available for a short time and for a lower amount of cash, the risk that they take on is lower too. This means that most of our lenders are happy to work with people who don’t have the best credit rating. This isn’t always the case with traditional lending solutions. Our lenders will judge each application on a case by case basis.

By doing the hard work of finding lenders more likely to approve your application for you, WageDayAdvance will save you from having to spend ages searching online or making numerous applications that would leave marks on your credit report. We’ve helped thousands of people like you get access to loans on the same day – even with bad credit.

To improve your chances of being approved by a same day loan by one of our lenders, make sure that you:

  • Have proof of your residence, age, and a regular income available in case your lender asks to see any of this information. This will be essential in getting your loan.
  • Check your credit rating to see if there are any errors in your file. While you can get a same day loan with bad credit, it always helps to look after your score when you can.
  • Fill out the application carefully and check for any mistakes before you submit it. Submitting an application form with errors slows down the approval process.
  • Apply from somewhere with a strong internet connection to make sure that your request goes through properly.
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.

Should I apply for a Same Day Loan?

Same day loans are unsecured and convenient products for lending when you need money straight away. If you’re hit with a sudden emergency in your life and you don’t have time to waste on applying for complicated lending products, WageDayAdvance is here to help. Our FCA regulated lenders are ready to help you out with loans that suit you.

Getting a loan with a reputable lender through WageDayAdvance couldn’t be easier, with a form that takes seconds to fill out, and approval for your loan available in a matter of minutes. You could have your money in your bank within fifteen minutes of completing your full application, so you can get your life back on track as quickly as possible.

More FAQ’s

Will the cash arrive in my bank today?

We’re a same day loan service and fund transfers are initiated by our lenders upon approval. However transfers may be delayed outside of regular working hours.

How long does it take to apply at WDA?

Our application form can be completed in less than 2 minutes if you have all of your personal details to hand. The approval process takes roughly a further 2 minutes before a decision is presented.

Can I provide a guarantor if I don’t get approved directly?

Unfortunately not, we’re a strictly no guarantor loan operation. Any checks to determine creditworthiness will be based on your own personal financial situation.