Direct Payday Lenders

£100 to £5,000, same day payout*

Representative Example: Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).


Fast Funding Solutions from Direct Payday Lenders

Alternative lending resources complement conventional funding channels offered by banks, credit unions, and building societies. In particular, traditional institutions specialise in various long-term finance options, whilst direct payday lenders address urgent, short-term spending requirements.

How much would you like to borrow?

Representative Example: Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

Direct payday loans originate online, offering timely funding solutions for applicants needing fast cash. The online loans are relatively small, compared to multi-year mortgages and car loans, so repayment is expected within weeks or months of funding. If you need a mortgage or a business loan, a trip to the bank is in order, but for day-to-day funding needs, direct payday lenders can help with immediate access to cash.

Short-term Lenders Offer Direct Payday Loans

Direct payday lenders put-forth several unique advantages, providing quick cash when other funding sources dry up. If you’re caught off-guard by surprise spending, consider the upside of securing a small loan online.

  • Boutell Brokers – Boutell is a loan broker, connecting direct payday lenders with applicants needing fast cash. Boutell’s value-added broker service streamlines the application process, allowing you to contact multiple UK lenders, with a single online application. Rather than vetting providers one by one, your Boutell loan request opens doors to several top online lenders, poised to provide the money you need.
  • Ease and Accessibility – Hectic modern lifestyles don’t always accommodate trips to your local bank branch. Online accessibility makes it as easy as possible to submit your payday loan application. The straightforward loan request takes only minutes to complete, before submitting your electronic application from your computer or tablet.
  • Speed and Service – Payday lenders specialise in fast, short-term funding solutions. Unlike banks and other conventional institutions, direct payday lenders understand the need for speed, offering rapid acceptance and same day funding for qualified applicants. Upon receipt, Boutell brokers process your online application without delay, matching your funding request with UK payday providers. Once approved for payday funding, your loan proceeds are transferred directly to your current account.
  • Flexible Terms – Direct payday lenders offer flexible sums, furnishing enough money to carry you until your next payday. Little loans from £50 and up provide short-term fallback funding for bills and small expenses. Larger sums are available for urgent finance needs, stretching into the thousands of pounds. Since each funding need is distinctive, direct payday lenders offer custom loans, in exactly the total amount needed to address financial challenges, without borrowing excess. Flexible repayment terms further facilitate short-term lending relationships; direct payday lenders offer payback schedules that align with your salary dates.
  • Unrestricted Usage – Loans commonly address specific spending functions. UK Student Finance provides university loans, mortgage companies assist with property purchases, car loans cover cars, and so on. Unlike funding aimed at particular types of spending, online loans are not restricted, so you choose your own priorities for the money. Flexible usage allows you to change course midstream as your financial needs evolve, applying payday loan proceeds to your most urgent spending obligations.

High Acceptance Payday Loans from Direct Lenders

Boutell is partnered with numerous direct lenders who boast a higher than average acceptance ratio. This is primarily due to how the loan approval process works along with the criteria our lending partners choose to look for to determine the eligibility of the applicant.

Traditionally, loans for those who suffer from a poor credit score were in fact not high acceptance in their nature as all borrowing decisions were based on the applicant’s credit score. With payday loans however, that is not the sole defining criteria for acceptance. It is as much about the current affordability of the loan as much as it is about historic credit history. So if you’re able to safely afford the repayments without compromising your existing outgoings then it’s highly likely you’ll be afforded a high acceptance payday loan.

Direct UK Lending Partners

All the lenders we partner with are based in the United Kingdom and all offer a short term / payday loan service. You can borrow from as little as £100 right through to £5,000 over a longer term. Boutell, as an authorised credit broker does offer loans directly. They are facilitated by the lenders directly and each of them boasts a high acceptance and approval rate due to the previously mentioned affordability checking model.

High Acceptance with Bad Credit

In addition, a lot of the direct lenders we partner with specialise in providing loans to those who suffer from bad credit. As most of the decision making process is determined by the affordability of the loan itself rather than historic credit reporting or scoring, this yields an above average acceptance to application ratio.

Before You Borrow

Loans payments eventually come due, so planning for repayment is an essential part of borrowing. If at any time you feel uncertain about your ability to repay a loan, borrowing a smaller sum or extending your repayment period may enable you to get the cash you need, without payback problems.

Comparing finance options online can help you narrow your search for fast funding. As you evaluate funding alternatives, consider these and other related finance concerns.

  • How much money do you need? Direct payday lenders specialise in small short-term loans for spending emergencies between paydays. If you need a substantial multi-year loan, such as a mortgage or new car loan, banks can help – online lenders are here to provide quick access to cash, when a small amount of money is needed for a short period of time. A payday loan provides hundreds – even thousands – of pounds, paid back within weeks or months.
  • Do you need money right now? Online lenders provide prompt funding for eligible applicants. In contrast, long-term financial arrangements may take time to execute, allowing banks and building societies to work at their own pace, funding traditional loans. When time is of the essence, only rapid acceptance and timely turnaround deliver money in a hurry. Direct payday lenders have experience providing quick cash, utilising streamlined acceptance solutions to speed approval.
  • How long is the loan repayment period? Working out your finances and budgeting for the entire repayment term ensures you have money available when payments are due. An income interruption or cash flow shortfall may hinder your ability to make timely payments, so it is important to project payment obligations for the entire loan repayment term. Payday loans, for example, require timely attention, drawing from your next paychecks and subsequent salary days, until the entire balance has been wiped away.
  • What is the Annual Percentage Rate? Among the many ways to compare credit alternatives, annual percentage rate (APR) provides a standardised reference for evaluating the cost of borrowing money. APR represents the rate of interest paid for a particular credit opportunity. Fast loans today typically have relatively high APR, compared to mortgages and other long-term financing, but the money is rapidly repaid, so interest does not have much time to accumulate.
  • Are penalties charged for paying late? Lenders count on credit consumers to make on-time loan payments. If you’re late with a loan payment, failing to hold up your end of the deal may result in negative credit reporting, leading to a lower credit score. Lenders may also impose penalties and fees for late payments, driving up the cost of payback. Before accepting an offer of funding, review late payment penalties and double-check repayment affordability.
  • What is the total cost to borrow? Though you may be tempted to focus on the principal balance of a loan, you must also account for interest charges, loan origination fees, and other borrowing costs. Your total cost to borrow captures the entire amount to be repaid, providing a realistic figure for budgeting payback.

How We Compare

  • Boutell
    Why Use Us?
  • How much can I borrow?
    £100 - £5000
    No hidden fees
  • Over how long?
    1 - 36 months
    Flexible repayments
  • Can I apply with bad credit?
    Quick decision
  • How do I apply?
    Online fully SSL secured
  • When can I apply?
    Even on bank holidays
apply now!

Benefit From High Acceptance Rates Online

Conventional lenders maintain strict acceptance standards, which may interfere with your access to quick cash. Because banks and other traditional institutions rely on credit scoring to evaluate loan applicants, a low score can undermine acceptance among brick and mortar lenders.

Credit reference agencies continually collect data about your finances, providing credit reports to banks, upon request. The information in your credit file traces your history managing money and credit accounts. Not only do credit reference agencies such as TransUnion and Experian keep records about current credit relationships, but the agencies also maintain entries about past performance. Though a single late payment won’t send your score to the cellar, a pattern of credit missteps will ultimately damage your credit score.

benefit of high acceptance rates online

In addition to late payments, credit agencies also chronicle negative credit outcomes such as insolvency, house repossession, and county court judgements. These catastrophic conditions result in lasting credit downgrades, requiring years to reset. Excess outstanding debt levels and overutilisation of available credit can also frustrate good credit, preventing your credit score from reaching top tier status.

Fortunately for consumers with imperfect credit, alternative online lenders furnish additional finance options for UK credit consumers needing small loans before payday. Direct lenders provide relatively small unsecured loans, requiring prompt repayment. Because the small sums are quickly repaid, direct payday lenders often deliver higher acceptance rates than their conventional counterparts, providing short term loans when regular banking institutions cannot. Whether you’ve been turned away for a traditional loan or fear a so-so score will work against you at the bank, direct payday lenders may be your best source for fast funding.

Completing an easy online application is your first step toward payday relief. Although your credit score may be considered when requesting a loan, online lenders utilise a streamlined pre-approval process to avoid funding delays. In order to qualify for payday loans online, you must

  • be at least 18 years old,
  • demonstrate sufficient income to accommodate repayment,
  • have a current account for cash transfers and automatic loan payments,
  • reside in the UK.

Your single loan request receives attention from Boutell’s entire network of online lending partners. There is no obligation for comparing weekend payday lenders online or requesting a loan. Once you’re matched with a preferred provider and work out a repayment agreement, loan proceeds are transferred directly to your current account, for immediate availability addressing urgent financial priorities.

Direct payday lenders offer online finance opportunities for UK workers. The alternative funding resource sidesteps some of the disadvantages of traditional lending, providing faster service and higher acceptance rates than many conventional lending outlets. If you need a small loan today, direct payday lenders can help.

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