Payday Loans & Instalment Loans Online in the UK

Borrow from £50, £100, £250, £500 to £5,000 with flexible repayment options from 1 to 18+ months. Apply online for a decision within minutes.

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Representative APR: 79.5 % (fixed)

Here's an example to illustrate: Representative APR of 79.5% (fixed). Here's an example to illustrate: If you borrow £1000 for 12 months, your monthly payment will be £123.40. The total amount repayable will be £1480.80, including £480.80 in interest. The interest rate is 79.5% (fixed). Interest rates range from 11.8% APR to 1721% APR. You can request a quote without any obligation. The APR you receive will depend on your personal circumstances. Our loans are available for amounts between £100 and £5000, with terms ranging from 3 months to 36 months
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Affordable & Responsible Lending

Loans between £50 to £5,000 from Direct Payday Lenders.

We use up-to-date, advanced technology to help you find the right product.

Realistic and affordable repayment options are available.

Bad Credit applications may also be considered.

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Clear, Honest & Fair

We have been helping people for over 14 years.

No hidden charges — apply to Direct Payday Lenders and brokers with no broker fees, no fax.

Lenders explain every detail so you feel comfortable with repayments.

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Direct Payday Lenders vs. High Street Lenders

High street lenders or banks may not always provide loans that suit your financial situation.

Direct payday lenders can offer alternatives designed for short-term needs.

Your Loan Questions, Answered

An instalment loan is repaid in monthly payments, unlike payday loans which are repaid in one lump sum.
A direct lender provides loans without a broker. Some sites act as brokers, introducing borrowers to lenders instead.
A payday loan is short-term credit, usually repaid on your next payday (1–31 days).
Short-term loans are repaid within 12 months, often used for urgent or unexpected costs.
Apply online in minutes at Wageme.com. If approved, funds can be transferred the same day.
Some lenders consider applicants with bad credit if they pass affordability checks.
Yes. Wageme.com Ltd is authorised and regulated by the FCA (No. 673281).
You must be 18+, employed, and have a UK bank account. Credit and affordability checks apply.
Repayment terms depend on the loan type: payday loans within 1 month, instalments 3–36 months. Some lenders allow early repayment.
For example, Representative APR of 79.5% (fixed). Here's an example to illustrate: If you borrow £1000 for 12 months, your monthly payment will be £123.40. The total amount repayable will be £1480.80, including £480.80 in interest. The interest rate is 79.5% (fixed). Interest rates range from 11.8% APR to 1721% APR. You can request a quote without any obligation. The APR you receive will depend on your personal circumstances. Our loans are available for amounts between £100 and £5000, with terms ranging from 3 months to 36 months , depending on the lender and your circumstances.

What are Payday & Instalment Loans?

At Wageme.com, we help UK customers access short-term credit options including payday loans and instalment loans. Both types of loans are designed to provide quick access to funds, but they work in slightly different ways.

  • Payday loans are usually smaller amounts, repaid in one lump sum within 1 to 31 days, often on your next payday.
  • Instalment loans allow you to borrow larger sums and spread repayments over 3 to 12 months, making them more manageable.

Loan amounts can range from £100 to £5,000 depending on lender approval and affordability checks. Learn more in our FAQs.

Why Choose Wageme for Payday & Instalment Loans?

We’ve supported UK customers for over 10 years with a secure and transparent online application process. Complete our form in minutes and be considered by trusted FCA-authorised lenders offering both payday and instalment loans.

If approved, funds may be transferred the same day (depending on lender decision and Faster Payments). Loan terms and repayments are always shown clearly before you commit.

Customers choose Wageme for clarity, data security and responsible lending practices. Find out more about us.

Payday Loans vs Instalment Loans – Which is Right for You?

Both payday and instalment loans can provide short-term financial support, but the right option depends on your circumstances:

  • Payday loans – best for urgent, smaller expenses like car repairs or household bills when you can repay quickly.
  • Instalment loans – better suited for larger expenses where spreading repayments over several months makes budgeting easier.

Always consider affordability before applying. For free independent advice, visit Citizens Advice or MoneyHelper.