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Warning: Late repayment of payday loans can cause you serious money problems. For help, go to
My-Quick Loan will never call you and will never charge you any fees. Never pay upfront fees for a loan or send money in return for a loan. For more info please click here.
Our use of ‘payday loans’ is for informational purposes only; we exclusively offer short-term loans.
Instant’ refers to our loan decision process, not fund payout; expect same-day payout subject to processing times.

Instant Loans UK – Sameday Payout

Looking for instant loans in the UK? Here at My-Quick Loan, we specialise in quick loans today. We use a ping-tree that matches customers to a lender within seconds. Then once you complete the application with the lender, you’ll receive the funds the same day. This is the closest to an ‘instant loan’ that you will find.

So if you’re looking for an online instant loan, we can offer instant decision with same day payout, just simply head to our application form and start the process to receive the funds you need. Once you have completed the application formyou will instantly be redirected to a direct lender like Quick quid.

Please note: We offer instant decision loans with same day payout. Not instant loans with instant payout. 

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Instant Loans with Instant Approval

Fill out our quick quote form, and you can find out within seconds if you’ve been approved or not. Our application form takes less than 2 minutes to complete as most questions are multiple-choice to make things as speedy as possible.

We will then send your details using award-winning technology to match you with a lender within millisecondsmeaning you can get instant approval. Upon approval, you will be redirected to your matched lender, where you will complete your application form by signing the electronic agreement.

So once you’re satisfied, you’ve come to the right place, simply head over to our application and kick start the process of getting the quick funds that you need.

Our Instant Loans for Bad Credit Are 100% Online

The whole instant loans for bad credit process is completed online with no paperwork necessary and no phone calls needed. Our application process was designed with simplicity in mind. We have made our form quick and easy to complete so that you can get the funds you need when you need them most.

Should I Use an Instant Loan to Pay Off Other Debts?

Here at My Quick Loan, we will never recommend anyone to get online payday loans to pay off previous debts unless it is a personal loan. Short-term loans should be used for emergency funding. Not to pay off other debts!

If you have been struggling financially, we recommend reading our debt blog, also, seeking financial help from a debt charity. Several charities in the UK can help, as well as multiple organisations that offer free financial advice.

Instant Approval Loans by My Quick Loan

Instant Money in Your Bank Account Isn’t Always a Solution

Before you even get started with the loan application process, you need to carefully think about your financial situation and the personal circumstances that have led you to consider a loan in the first place. They may seem like very small loans since they usually range from £100 to £5,000, but the truth is that instant loans can be extremely difficult to pay off, especially if you have a low credit score.

Of course, there is a host of real, legitimate reasons why you might need to borrow money in this way. These include unexpected medical or home renovation expenses, as well as unexpected bills that need to be paid off quickly.

Sometimes, you might find yourself in a dire financial situation before your payday. In these cases, an instant loan might help you out, but you should make sure that you’ve exhausted all other options. If making it to your next paycheck is the reason why you’re considering applying for this type of loan, you might want to try and reach out to family and friends for help first.

The Devil’s in the Details – Remember to Check the APR

The reason why the monthly payments on instant loans can get so ridiculously high is the APR, which essentially boils down to the annual cost of the loan you’ll have to repay alongside your monthly repayments (which usually also have higher interest rates on instant loans than other types of borrowing). A loan’s APR is presented in the form of a percentage and can include a variety of different fees. For example, if you have a low credit rating, then the risk your lender takes on by lending you money may be reflected in a higher APR.

Many people focus solely on interest rates and disregard APR as an afterthought, which is a big mistake. The repayment terms are the single most important aspect of an instant loan. If you’re having a hard time understanding them, reach out to a loan matching service or a broker like My Quick Loan to make sure you apply for an instant loan you’re capable of repaying.


Can I get an online instant loan?

You can apply for an online instant loan as long as you are over 18, a UK resident and working. Before applying for an instant loan, you should have a clear plan of what you’re going to do with the money and, more importantly, how you’re going to be able to pay it back. Instant loans may seem like a great, easy source of extra cash, but that is only true if you’re confident that you need the money right away and have the means to pay it off. Instant loans tend to have higher interest rates, which is also something you should take into account. Consider instant loans to be a last-resort source of funding meant only for emergencies.

For example, buying a new pair of those cool sneakers you always dreamed of is not an emergency worthy of taking out a payday loan. On the other hand, if your loved one falls ill, has no insurance, and has no savings to pay off their emergency medical bills, that sounds like a good enough reason to take out an instant loan.

What is an instant loan?

Instant loans are usually payday loans/short-term loanswhich are paid out the same day. Keep in mind that while getting the money into your bank account right away might sound very appealing, instant loan lenders charge very high-interest rates on these types of loans, so if you are considering obtaining some extra funds that way, make sure that you have no other alternative and that you really need the money for a serious emergency.

What is the APR on an instant loan?

This will vary depending on your credit score, we recommend that you get a quote using our quick quote form and if the APR is too high and you can’t afford the repaymentswe recommend you look at alternatives to payday loans.

Do you do instant loans with no credit check?

No, no company can offer you an instant loan with no credit check anymore, as it is against FCA regulations. Using our form, our partner can offer soft search quotes which won’t affect your credit score. When searching for a loan online, you might find quite a few services offering loans with no credit rating checks whatsoever. You should stay away from these businesses, as more often than not, they operate illegally and will charge customers interest rates that are impossible to keep up with. Even if you’re worried about not being approved for a loan due to your poor credit history, you should still try your luck with a reputable lender.

I have really bad credit. Can I still get an instant loan?

Yes, although if you do get accepted by one of the lenders, the interest rates will be extremely highso please make sure you can make the repayments. Certain direct lenders may grant you an bad credit same day loans approval with a very poor credit rating but include certain hidden fees in the contract, making your monthly repayments much higher than what you thought you agreed on. Always make sure to carefully read every lender’s loan offer and even consult it with a third party before signing anything.

Are you FCA (Financial Conduct Authority) approved?

Yes, we are an introducer to T DOT UK which is fully regulated under the Financial Conduct Authority. Whether you are looking for a direct lender, a money advice service, or a credit broker, always make sure that they are FCA-approved. Otherwise, you mind find yourself in a financial situation that is very difficult to get out of. It’s also always a good idea to check out online reviews left by other customers to make sure that the institution you’re planning to work with is a trustworthy one.


As always, no instant money loan should be taken out without consideration. These loans will stay on your credit file for 6 years which may impact you getting further credit. Loans should only be taken out as a last resort and always shop around to make sure you get the lowest rates, however, don’t ‘apply’ on several different websites as this will have a negative impact on your credit score. Look for companies like My-Quick Loan who offer quotes.

Warning: Late repayment of payday loans can cause you serious money problems. For help, go to