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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 Loan direct Lenders & Brokers

Are you looking for an instant loan direct lender? We have gathered all the information of all the direct lenders and brokers who offer this service. Hopefully, this full guide will help you decide which company you should use when looking for your online instant loan UK.

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What is an instant loan direct lender UK?

Instant loans direct lenders are what customers search for when they are looking for a short-term loan paid out instantly by a direct lender. Is it possible for loans to be paid out instantly? The answer to that is no, unfortunately, FCA-approved lenders have to carry out checks and this can take a few minutes, sometimes even hours. Usually, though, all loans are paid out on the same day which hopefully is quick enough for some customers.

Why does it need to be a direct lender and not a broker?

This goes back before the FCA regulated the industry. Customers would search for cheap payday loans and brokers used to charge fees for helping find a loan, however, in some cases they couldn’t find the customer a loan and used to still take the money. So the FCA intervened and now pretty much all brokers do not charge any fees.

This includes My Quick Loan – we do not charge any fees and can help you get a loan from a very large panel of instant loan direct lenders UK. This actually works in your favour using a loan broker as it increases your chance of getting a loan and also it might also help you get a better rate for your loan.

instant loans direct lenders by MY QUICK LOAN

Here is the full list of Instant loan direct lenders and brokers

1. My Quick Loan – Looking for a loan quick? from £100 to £5,000 which can be paid out the very same day and paid back over a 3 to 12 month period. APR 49.7% (variable)


My Quick Loan is a broker that offers Same day online loans, does not charge any fees and is 100% free.

Owner: My Club Partnership LTD

Address: 142 Silk House, Park Green, Macclesfield, SK11 7QJ.

FCA Number: 831013

2. Fast Loans UK – offer loans from £50 to £2,000 with an representative 766.18% APR

Fast Loans UK are an instant loan direct lender.


Owner: JDB Enterprise Group Ltd

Address: 2 Falcon Gate, Shire Park, Welwyn Garden City, Hertfordshire, AL7 1TW

FCA Number: 673907

3. New Horizons – offer loans from £50 up to £5,000 with a representative 49.9% APR.


New Horizons are a credit broker not a lender.

Owner: New Horizons Finance Limited

Address: Building 3, 566 Chiswick High Road, Chiswick Park, London, United Kingdom, W4 5YA

FCA number: 806333

4. Swiftmoney – Offer loans from £100 to £3,500 with a representative 815.74% APR. You can apply for an instant, online, no obligation loan offer.


Swift Money is a credit broker not a direct lender.

Address: 1-3, The Courtyard, Calvin Street, Bolton, Lancashire, BL1 8PB

Owner: Swift Money Limited

FCA number: 738569

5. Cashflex – Offer loans from £100 to £5,000 with a 49.9% APR representative.

Owner: Digitonomy Limited

Creditflex are a credit broker not an instant loan UK direct lender.

Address: Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN

FCA: 690249


6. Now Loans – offer quick loans from £100 to £10,000 with a representative APR 49.7% (Variable)

Now loan is a broker and not a direct lender.


Owner: PJG Financial Limited

Address: 272 Bath Street Glasgow G24JR

FCA number: 919697

7. Little Loans – Offer loans from £100 to £10,000 over a 3 to 60 month loan repayment. 49.9% APR Representative.


Owner:  Digitonomy Limited who are a broker and not a direct lender.

Address: Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN

FCA: 690249

8. Cashfloat – get a loan up to £1,500 with Cashfloat with a Representative 611.74% APR

Owner: Western Circle Limited

FCA number: 714479

Cashfloat are a instant loan UK direct lender, they are not a credit broker.


9. Payday UK – £50 to £5000 could be in your bank today if you apply with Payday UK. Representative APR 91%.

Owner: Payday Loans Ltd

Payday UK are a broker

Address: The Charter Building, Charter Place, Uxbridge, UB8 1JG

FCA Number: 806333


10. OMACL – OMCL loans are £100 up to £5,000 with a representative 669.35% Apr (Variable)

Owner: Chojin Ltd who are a broker.

Address:241 Highland Drive, Loughborough, Leicestershire, LE11 2QF

FCA Number: 732880


One last thing on Instant Loans direct lenders

This is the full guide to instant loans direct lenders, hopefully, it will help you find the loan that you need. Although My Quick Loan isn’t a direct lender, we offer a great service which is 100% free. Apply today!


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