In the United Kingdom, payday loans are a type of short-term, unsecured loan that are intended to provide individuals with quick access to cash in emergency situations.
These instant payday loans are typically offered by lenders who specialise in providing this type of loan, and they are usually offered at very high interest rates.
“No refusal” payday loans are loans that are guaranteed to be approved regardless of the borrower’s credit score or other financial qualifications.
This can make it easier for individuals to access cash in emergency situations, but it also means that the loans are typically offered at even higher interest rates than traditional payday loan companies.
As a person borrowing a no refusal payday loan you should consider that while it might be easy to get a loan, it’s crucial to consider that this type of loan may have very high interest rates and it might be very hard to pay back on time.
The lender can even roll over the loan for multiple pay periods and you can end up paying a lot more than you expected.
If you’re considering a payday loan, it’s important to carefully read the terms and conditions and make sure you understand the costs and fees associated with the loan before you agree to borrow the money.
It’s also to be considerate if you don’t think you’ll be able to repay the loan on time.
There are other financial options that might be better for you, such as contacting your bank or credit union about an overdraft or short-term loan, or speaking with a debt advisor about a repayment plan.
In general, It’s recommended that you should avoid using payday loans if you can and look for other ways to access the cash you need.
Contents
No Refusal Loan UK Direct Lenders & Brokers
A direct lender in the UK is a financial institution or lending company that provides loans or credit directly to borrowers without involving any intermediaries, such as brokers or third-party loan providers.
Direct lenders are responsible for the entire lending process, from the application to the approval and disbursement of funds, as well as the collection of repayments.

Direct lenders in the UK offer a range of loan products, including personal loans, payday loans, installment loans, and secured loans, among others.
Some direct lenders specialise in specific types of loans or cater to specific borrower demographics, such as those with poor credit history or self-employed individuals.
Working with a direct lender in the UK can have some advantages for borrowers, including faster processing times, more transparent lending terms, and the ability to deal with a single lender throughout the entire borrowing process.
However, it’s important to carefully compare loan options and read the terms and conditions before agreeing to a loan to ensure that it is suitable for your financial situation and needs.
List Of No Credit Check Direct Lenders In The UK
There are many no refusal payday loan direct lenders in the United Kingdom that offer payday loans. Some of the more well-known ones include:
Payday UK
Payday UK is a British financial services company that provides short-term loans to consumers. The company specialises in payday loans, which are typically small, unsecured loans with high-interest rates and fees that are designed to be repaid within a few weeks or months.
Payday UK is part of the Instant Cash Loans (ICL) group, which is one of the largest providers of short-term loans in the UK.
Customers can apply for loans through Payday UK’s website or by calling the company’s customer service line.
The loan application process typically involves providing personal and financial information, such as income and employment status, as well as bank account details for loan disbursement and repayment.
Payday UK’s loans have been subject to regulatory scrutiny and criticism due to their high costs and potential for trapping borrowers in cycles of debt.
In 2015, the UK’s Financial Conduct Authority (FCA) introduced new regulations that capped the amount of interest and fees that payday lenders could charge, in an effort to protect consumers.
Payday UK and other payday lenders have had to adjust their lending practices in order to comply with these regulations.

Despite these regulatory challenges, Payday UK continues to operate as a provider of short-term loans in the UK market.
Payday Express
Payday Express is another British financial services company that provides short-term loans to consumers. Like Payday UK, Payday Express is part of the Instant Cash Loans (ICL) group and specialises in payday loans.
Customers can apply for loans through Payday Express’s website or by calling the company’s customer service line.
The loan application process is similar to Payday UK’s process and typically involves providing personal and financial information, including income and employment status, as well as bank account details for loan disbursement and repayment.
As with other payday lenders, Payday Express’s loans have been subject to regulatory scrutiny due to their high costs and potential for trapping borrowers in cycles of debt.
The company has also faced criticism for its advertising practices, which have been described as misleading and irresponsible.
In response to these concerns, the UK’s Financial Conduct Authority (FCA) introduced new regulations in 2015 that limited the amount of interest and fees that payday lenders could charge.
Payday Express and other lenders have had to adjust their lending practices in order to comply with these regulations.
Although the payday lending industry in the UK has faced significant regulatory challenges in recent years, Payday Express continues to operate as a provider of short-term loans.
However, the company’s lending practices and advertising strategies have been modified in order to comply with the new regulations and address concerns about consumer protection.
Piggy Bank
Piggy Bank is a British financial services company that provides short-term loans to consumers. The company offers loans of up to £1,000 with repayment terms of up to five months, and customers can apply for loans through Piggy Bank’s website.
Piggy Bank is part of the DJS (UK) Limited group, which is a family-owned business that also operates other payday lending brands such as The Money Shop and Payday UK.
Like other payday lenders, Piggy Bank’s loans are known for their high-interest rates and fees, and the company has faced criticism from consumer advocates and regulators.
In 2018, Piggy Bank was one of several payday lenders that faced enforcement action by the UK’s Financial Conduct Authority (FCA) over concerns about its lending practices.
The FCA found that Piggy Bank and other lenders had failed to adequately assess whether customers could afford to repay their loans, and had not provided clear information about the costs and risks of borrowing.
In response to the FCA’s concerns, Piggy Bank and other lenders have had to adjust their lending practices and improve their transparency and customer communications.
Piggy Bank now provides clear information about the costs and risks of borrowing, and offers customers the option of repaying their loans early without penalty.
Despite these regulatory challenges, Piggy Bank continues to operate as a provider of short-term loans in the UK market.
However, the company and its parent group have faced significant financial pressures in recent years, and in 2019, DJS (UK) Limited announced that it was considering a company voluntary arrangement (CVA) to address its debt obligations.
The future of Piggy Bank and other payday lending brands in the DJS (UK) Limited group remains uncertain.
Dot Dot Loans
Dot Dot Loans is a British financial services company that provides short-term loans to consumers. Unlike many other payday lenders, Dot Dot Loans offers loans of up to £4,000 with repayment terms of up to 48 months.
The company’s loans are designed to be more flexible and affordable than traditional payday loans, with lower interest rates and longer repayment terms.
Customers can apply for loans through Dot Dot Loans’ website, and the application process typically involves providing personal and financial information, including income and employment status, as well as bank account details for loan disbursement and repayment.

Dot Dot Loans is part of the Morses Club group, which is a UK-based financial services company that provides a range of consumer credit products, including doorstep loans and guarantor loans.
The company has been regulated by the UK’s Financial Conduct Authority (FCA) since 2014 and is committed to responsible lending practices and transparency.
While Dot Dot Loans has faced some criticism for its interest rates and fees, the company has positioned itself as a more affordable and flexible alternative to traditional payday loans.
Dot Dot Loans has also been recognised for its customer service and user-friendly website, which allows customers to manage their loans online and make payments easily.
Overall, Dot Dot Loans represents a newer, more innovative approach to short-term lending in the UK market. By offering loans with longer repayment terms and lower interest rates, the company aims to provide customers with a more sustainable and responsible form of credit.
It’s a good idea to compare the costs and fees of different lenders and shop around for the best deal. These brokers whilst operating a no credit check policy often charge extremely high interest rates so you might be able to get a much more affordable loan elsewhere.
Additionally, It’s always recommended to read the terms and conditions and reviews from previous customers.
Keep in mind that Direct lenders are not always the best option, as they may charge high-interest rates and extra fees, it’s worth checking out alternatives, such as credit unions or local charities that offer affordable credit options.
It’s also worth considering other options before taking out a loan like checking with your bank, seeing if there’s any government support or check free sources such as charity organizations or benefits for any short term assistance, or talking to a debt advisor about a repayment plan.
What Is A Credit Check?

A credit check in the UK is a process used by lenders, banks, and other financial institutions to assess the creditworthiness of an individual or business before providing credit or lending money.
The credit check involves accessing an individual’s credit report, which contains information about their financial history, including their credit accounts, repayment history, and any outstanding debts.
The credit report is compiled by credit reference agencies such as Experian, Equifax, and TransUnion, who gather information from various sources such as banks, credit card companies, and other lenders.
When a lender or financial institution performs a credit check, they typically use the information in the credit report to assess the risk of lending money to the individual or business.
The lender will consider factors such as the individual’s credit score, their repayment history, the amount of debt they currently have, and their income and expenses.
If the lender determines that the individual or business is a good credit risk, they may approve their application for credit.
However, if the lender considers them to be a higher risk, they may reject their application or offer them less favourable terms, such as a higher interest rate or a lower credit limit.
It is important for individuals to monitor their credit report regularly to ensure that the information is accurate and up-to-date, as errors or fraudulent activity can negatively impact their credit score and their ability to obtain credit in the future.
No Broker Payday Loan
A “no broker” payday loan is a type of short-term loan that allows borrowers to obtain funds directly from the lender without the involvement of a broker. In traditional payday loan models, brokers act as intermediaries between borrowers and lenders, helping to match borrowers with lenders and often charging a fee for their services.
In a “no broker” payday loan, the borrower applies directly with the lender and receives the loan funds without any intermediary involved. This can potentially save the borrower money by avoiding broker fees and commissions.
However, it is important to note that “no broker” payday loans may still come with high interest rates and fees, and can be risky for borrowers who may not be able to repay the loan on time.
It is important for borrowers to carefully review the terms and conditions of the loan before applying and to explore other options for borrowing money if possible.