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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 Cash Loans UK

If you need cash and fast, and looking for instant decision loans, it’s not always easy to get the money you need.

Often enough, it is for an emergency, which is challenging enough, and you don’t need the added hassle of a long and complicated application process.

At My-Quick Loans, we understand that when you need money, you need it fast – without any delays.

We’ll be able to find you a loan in minutes, and you could have the cash in your account within hours in most cases. You’ve got nothing to lose as we offer free quotes with no obligation to take out a loan.

If you decide to go ahead, we’ll need some basic information from you, and then we can get the ball rolling. And our process is 100% online, so you can apply from the comfort of your own home.

You could have the cash you need before you know it, so why not apply now?

Still, if you are on the fence, we’d recommend reading on for more information about what an instant cash loan is and how they work before committing to anything.

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What is an Instant Cash Loan?

Instant cash loans are a type of loan that allows you to borrow money quickly and easily. These loans are typically small, short-term loans that can be used to cover unexpected expenses or urgent situations.

These are unsecured loans, meaning you do not need to put up any assets such as your home as collateral. This makes them a higher-risk loan for the lender, but it also means that they are easier to qualify for you.

How Do You Apply for a quick loan?

Applying for a loan UK quick is super simple. No paperwork or phone calls; everything is done online.

Simply complete the application form, including your address, the amount you wish to borrow, how you plan to repay it, and information about your job and bank account. All-in-all it will just take a few minutes.

Once approved, you will be sent to the payday lenders’ website. If, after completing their requirements, you still wish to proceed, you will be able to sign the loan agreement digitally. The funds will then be transferred to your account within minutes!

What Can Instant Cash Loans Be Used For?

Instant loans can be used for a variety of purposes, including:

  • Emergency home repair
  • Unexpected bills
  • Vet bills
  • Car repairs
  • Travel expenses
  • Medical expenses
  • A broken washing machine or other household appliance that needs replacing
  • To tide you over until payday

We’re sure you can come up with your own particular emergency that would require some extra cash, but those are a few examples.

Remember that these loans should be used for unexpected expenses or emergencies, not for frivolous purchases. Though you can use the loan for any purpose, you’ll be better served if it’s used as intended.

Loan amounts can vary from lender to lender but typically range from £100 to £5,000.

Where Can I Get an Instant Cash Loan in the UK?

While the most convenient and arguably fastest way is to get a free no-obligation quote from us, other options are available.

Borrowing from Family and Friends

This is often the first option people consider, and it’s a fast and even interest-free way to get the money you need. But it’s not always the best choice. You might feel uncomfortable asking for money from people close to you, and sharing your sticky financial situation could be embarrassing.

But the biggest concern is what if you failed to repay them the loan or couldn’t pay it back as fast as expected? Is it worth falling out with the in-laws or your best mate over a few hundred quid? We think not. We’ve been in the business long enough to hear the horror stories of relationships strained over money, and we don’t want that for you.


You can use pawnbrokers to get quick cash by using your valuables as a guarantee. But beware, if you can’t repay the loan plus interest within the agreed time, you could lose your item. So, if you’re considering this option, make sure you are 100% confident that you will be able to repay the loan on time.

High Street Loan Providers

You’ve probably noticed all the payday loan shops on the high streets of the UK. However, we would only recommend this as a last resort. The interest rates are often very high, and you will have fewer options than going the online route.

And let’s face it, they aren’t anywhere near as convenient as getting an online loan.

High Street  Banks

Forget it!

The application process is long and tedious, you’ll have to provide mountains of documentation, and the decision could take weeks. By the time you actually get your hands on the cash, the emergency will likely be over, or at least manageable.

Of course, credit cards, overdrafts, etc., are on the table, but we assume that if you’re reading this, you’ve already maxed those out, or they aren’t an option for you.

Online Instant Cash Loans

So let’s face the facts, online cash loans are the way to go if time is of the essence. No pawning your favourite gadgets, no awkward conversations with friends or family and no trudging down the high street to a payday loan shop.

So, if you’re in a bind and need some extra cash fast, getting an online loan could be the answer to your prayers!

Pros and Cons of Instant Cash Loans

So, it all looks pretty rosy, right?  Well, as with anything in life, there are always pros and cons. So before you sign on the dotted line, let’s be totally transparent and weigh up the good and the bad regarding instant cash and payday loans.


Unrivalled Convenience –  No need to leave the house or take time off work. As long as you have the internet and a connected device, you can apply for an online loan from anywhere in the UK.

Super-Fast Approval –  Because the application and approval process is all done online, you can often get your hands on the cash within hours.

Bad Credit – We work with a panel of lenders who are willing to consider applications from people with less-than-perfect credit scores. So even if you have a few dings on your credit file, you could still be approved for a cash loan.


You Might Pay More in Interest –  Because instant cash loans are unsecured, the interest rates could be higher than other types of loans. However, we only work with direct lenders who offer competitive rates so you won’t be ripped off.

Late or Missed Repayments Could Worsen Your Credit Score –  As with any loan, if you miss a repayment, it could have a negative impact on your credit score. So make sure you can afford the repayments before taking out an instant cash loan.

How Easy is it to Get an Instant Cash or Payday Loan?

To apply online using My-Quick Loan, you just need to meet a few basic requirements.

  • Be 18 years old or above
  • Have a valid UK bank account and a debit card
  • Be a UK Resident

To get started, we’ll need your address, the amount you want to borrow, your bank account and employment details and the repayment method you want to use.

Once we find the best provider that matches your criteria, you can apply with them, and they will send you a quick online loan contract for you to sign.

After that, it’s just a case of waiting for the money to hit your account. How easy is that!

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How fast will I receive my cash Loan?

If you are searching for loans UK online today, then MQL will be able to help. The application and approval process is incredibly fast. In most cases, you could have the cash in your bank account the same day. Usually, the speed is dictated by your bank’s policies and not the lender, but either way, you should have your loan within 24 hours.

Can I apply if I have a bad credit rating?

While we can’t guarantee you will be approved, bad credit cash loans are definitely something our panel of lenders consider. Even If you have a few blemishes on your credit file, you should be good to go as long as you satisfy the basic loan requirements.

Why Do Instant Cash Loans Have Such High APRs?

The eye-watering APRs can be a bit scary at first glance for instant cash loans. However, though the loans are more expensive than some other types of credit, it’s important to remember that they are designed as a short-term solution to an unexpected emergency.

The APR is the annual percentage rate; you’ll pay it for just a few weeks or months, not years.  So while the APRs are high, it’s essential to put them into perspective before ruling out taking out an instant cash loan. In addition, we will match you with a lender who can offer you the best APR.

Can I apply for a cash loan using my mobile phone?

Yes, with most people now using their smartphones as their primary method of accessing the internet, you should have no problem applying for an instant cash loan on your mobile. Just ensure you have all your details at hand, such as your bank account number, sort code, and a recent payslip or other proof of income.

Do you conduct a credit check?

We don’t carry out a credit search ourselves, but the direct lender who processes your loan will perform a credit check. We will aim to match you with a lender who is more likely to approve your loan, even if you have bad credit.

Will my personal details be safe?

Yes, you can be assured that your financial and personal information is safe with us and the direct lenders who we work with. All are FCA-authorised and adhere to the highest industry standards in terms of data security.

Can I get a cash loan if I am on unemployment benefits?

Unfortunately, though we would love to help you get through any difficult patch you might be going through, we cannot offer loans to those who are on unemployment benefits.

Direct lenders require that you have some form of a steady income to qualify for one of their loans.

How long do I have to pay the loan?

The loan repayment terms will vary from lender to lender. Loan repayments for instant pay loans are designed to be paid back over a short period of time, normally less than three months, but longer terms are available.

Can I have more than one cash loan?

Yes, you can have more than one payday loan, but we advise against it. Each loan will have its own fees and charges, which can add up quickly if you’re not careful. It can be challenging to keep track of multiple loans and make the repayments on time. Consolidating them into one loan with one monthly repayment might be a better option.

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