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High Acceptance Payday Loans Direct Lenders

If approved, your £100 to £5,000 can be sent in minutes, in a few clicks

With over 50 direct lenders in our network to compare, we find you the best loan offer available!

  • 100% secure
  • No fees
  • No paperwork

I would like to borrow...

...and pay it back in 12 months

Representative Example: Amount of credit: £1,000 for 12 months at £107.53 per month. Total amount repayable of £1,290.36. Interest: £290.36. Interest rate: 49.9% p.a. Fixed*. 49.9% APR Representative. Rates between 9.9% APR and 1,295% APR.

We're a fully regulated and authorised credit broker and not a lender.

We work with over 50 lenders to help you find the best loan possible.
We never charge you for our service.

What is a high acceptance payday loan?

A high acceptance payday loan is a type of payday loan that has a high approval rate compared to other loan types and even compared to other payday loans. This is usually true for bad credit payday loans, as they are designed for people with financial struggles who have a poor credit history and are likely to be rejected by other payday lenders. There are different types of high acceptance payday loans. Let's take a look.

High acceptance payday loans direct lenders bad credit

High acceptance payday loans from direct lenders mean that they prioritise affordability over credit score, and consequently, have higher acceptance rates than other loan providers, such as banks and mainstream lenders. Their short-term loans are available for with bad credit who would like to borrow. One of the most common types of bad credit loans is guarantor loans, also called guaranteed loans. This is when someone, usually a relative or close friend agrees to take the responsibility of paying your loan back if you can't. But don't worry, if you're looking for high acceptance payday loans direct lenders no guarantor, there are plenty of lenders offering bad credit payday loans that need no guarantor.

High acceptance payday loans from loan brokers

Loan brokers, such as Loanza, process your application and send it multiple direct lenders on their panel. Brokers check your information against each lenders' criteria and connect you with one that is a good match. You will then proceed to finalise the loan agreement with the direct lender. This means, that brokers will have a much higher acceptance rate than direct lenders because they can find you another lender when one rejects you. Bonus is, that brokers do all this using only soft search, so you avoid multiple credit checks that you risk by going from lender to lender. Applying with Loanza doesn't even affect your score.

Looking for a high acceptance payday loan?

We can connect you to a lender in minutes, even if you have bad credit.

Apply Now

How to get accepted for payday loans?

To get accepted for a loan in the UK, you need to have a UK bank account, need to be over 18 years old, and need a UK address. During your application process, be honest about your details. Having a regular monthly income that is more than your monthly expenditure is a requirement to get approved for a loan. Lenders need to make sure you can afford repayments and it is considered irresponsible lending if they offer customers a loan knowing it will just add to their financial issues. Make sure you only apply if you will be able to repay the instalments when they are due without troubles.

How can I get a loan fast with no credit check?

High acceptance payday loans direct lenders no credit check are somewhat a myth. All lenders have to carry out one credit check before they accept a loan request. Luckily, as discussed before, they base their decisions more on affordability than credit history. But, there will be one credit check on your file when applying directly with a lender. To make sure you only get one hard check on your file and not more, use a broker like Loanza who can connect you to over 50 lenders, and direct you to one who will most likely approve your application.

How can I get a loan immediately?

If you apply online now with Loanza, you can get funds deposited in your account in 15 minutes if approved. We work with very high acceptance payday loans direct lenders UK.

Looking for a high acceptance payday loan?

We can connect you to a lender in minutes, even if you have bad credit.

Apply Now

Can a payday loan take you to court?

If you don't pay your payday loans back on schedule, you will most often be charged for late repayment (the fee can be a maximum of £15 for this by law), you will incur extra daily interest for the missed days (but remember, payday loans have an interest cap, so you will never pay back more than twice the amount you borrowed), and you will see a drop in your credit score. Payday loan providers don't deal with the court system, but rather sell off the debt to debt collectors if the case drags for too long. In this case, the process is the same as for all debt collectors. If you are experiencing financial troubles that will affect your repayment capabilities, you can avoid all these problems by contacting your lender. For further advice, contact the National Debtline, or your local Citizens Advice.

What's the best payday loan for bad credit?

The best payday loan for bad credit is one with the lowest APR you're loan you're able to get with poor credit. Loanza has many lending partners who offer bad credit loans, ranging from lower APRs (~30-50%) to mid-and higher payday APRs (~200-1500%). We aim to connect you with your best option.

Who is the best payday loan company?

You need to make sure that the payday loan company that you take a loan with is regulated and approved by the Financial Conduct Authority. You need to check the representative example and RAPR but more importantly, once connected, the actual APR and terms they offer. All companies approved by the FCA abide by the same financial laws. Loanza only works with trusted, FCA approved payday loans direct lenders high acceptance, so whoever you get connected to, will be a safe choice.

How to apply for a Loanza payday loan?

All you need to do is click Apply Now, fill in our 2-minute application form, and wait to get connected to a lender. Then, finalise the loan agreement with the lender and get your cash in an instant. We don't charge any fees, our process is fast and easy, and you are free from obligations.

 

Looking for a high acceptance payday loan?

We can connect you to a lender in minutes, even if you have bad credit.

Apply Now

Direct Lender FAQs

Is Loanza a direct lender?

No, we are a broker with over 50 lending partners on our panel. We offer a free, no credit check, no-obligation loan search that's super fast and simple.

Is Miss Payday a direct lender?

Yes.

Is QuidMarket a direct lender?

Yes.

Is ZipCash a direct lender?

No, they are a broker.

Is Buffa Loans a direct lender?

Yes.

Is Payday Pug a direct lender?

No, they are a broker.

Is Wizzcash a direct lender?

Yes.

Is Swift Money a direct lender?

No, they are a broker.

Is My Jar a direct lender?

Yes.

Is Likely Loans a direct lender?

Yes.

Is OMACL a direct lender?

No, they are a broker.


 

Looking for a high acceptance payday loan?

We can connect you to a lender in minutes, even if you have bad credit.

Apply Now