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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.

Late night loans

Late night loans in the UK are online short-term loans that are available outside of traditional business hours, often with quick approval and funding processes. This quick loan online is typically designed for individuals who need access to cash outside of regular banking hours or for emergency situations.

My Quick Loan offers online applications, making it easy for borrowers to apply for a loan at any time. The application process is often straightforward, requiring basic personal and financial information. In most cases, borrowers can expect to receive a decision and funding the same day.

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Late night loans in the UK

No matter what time of day or night that you are in need of cash, we can help. Late night loans are no different from normal payday borrowing, they are in fact the exact same thing.

As most lenders now use technology software to complete an application online, there is no longer the need for someone to call you to ask questions before making a lending decision, as the software does this for them. This allows lenders to continue borrowing money outside of working office hours.

When you apply for a loan, even if you’re looking at midnight loans, banks and lenders’ technology can still operate together to pay out the cash that you need, when you need it.

So whatever the reason your looking for late-night payday loans online, simply head to our application form and complete our quick and easy application to see if you qualify.

Apply for a late night loan with My Quick Loan

FAQs on late night loans UK

Here are a few frequently asked questions on the subject ‘late night loans UK’

How do I apply for my late night cash loan?

Applying is easy, simply head to our quick and easy application form, fill out your details and you could have the cash you need the very same day, subject to affordability and approval.

What are the eligibility requirements for late night loans in the UK?

To apply for a loan through My Quick Loan, borrowers must be over 18 years old, have a UK bank account, and be employed or have a regular source of income. We’ll also carry out a soft credit search to help match you with the correct lender for your circumstances.

How much can I borrow with a late night loan in the UK?

The amount that you can borrow with a late night loan with My Quick Loan is £100 to £5,000. Generally, we’ll consider factors such as your income, credit history, and ability to repay the loan when determining how much to lend you. Late night loans are typically small loans, with amounts ranging from a few hundred to a few thousand pounds.

What are the risks of taking out an online loan same day in the UK?

Online loan same day in the UK can be expensive, with high-interest rates and fees, so it’s important to carefully review the terms and conditions of any loan before accepting it. Borrowers should also ensure that they can repay the loan on time, as failure to do so can result in additional fees and damage to their credit score. Taking out multiple loans can also lead to a cycle of debt, so it’s important to only borrow what you need and consider other options if possible.

Advantages and Disadvantages of Loans at Night


  1. Convenience: Late night loans offer a convenient way to access quick cash outside of regular business hours.
  2. Fast processing: My Quick Loan offers instant loans for bad credit with an instant decision and quick funding. Allowing you to get the funds you need quickly.
  3. Emergency situations: Late night loans can be helpful in emergency situations where you need cash urgently, such as unexpected car repairs or needing to get home.


  1. Higher fees and interest rates: Late night loans may come with higher fees and interest rates compared to personal loans.
  2. Limited lender options: My Quick Loan offers late night loans but not all companies do so you’ll have fewer choices.
  3. Risk of scams: There is a risk of falling victim to scams or fraudulent lenders when seeking loans outside of regular business hours. It’s important to be cautious and do your research to avoid falling for a scam. My Quick Loan is FCA regulated and we recommend you pick a lender like Quickquid or broker who is FCA regulated and never accept a loan over where someone has called you asking for money upfront.

Should I get a Late night loan UK?

Late night loans can be a useful tool for individuals in need of quick cash, but they should be used responsibly and only for emergency situations. It’s also important to note that there are other options available, such as credit unions or borrowing from friends and family, which may offer more favorable depending on your circumstances. However, always pick an FCA broker/lender and make sure they are a legit business before applying.


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