Help with the £Pounds you need!

I would like to borrow

Other amount


For how long?

1 month
2 months
3 months
6 months
9 months
12 months
24 months
Other period


I would like to borrow £

£ 100

£ 10000

For how long? months

3 month

36 months

Representative 49.9% APR.
Representative example: Amount of credit: £750 for 12 months at £77.29 per month.
Total amount repayable is £927.48.
Interest charged is £177.48, interest rate 49.9% pa (variable).

Rates from 11.8% APR to 1575% APR – your Free, No obligation quote and APR will be based on your personal circumstances, and Finance is subject to availability and status. Authorised and regulated by the Financial Conduct Authority.
We are regulated and authorised credit broker and not a lender.

Free to apply

Easy to apply

Privacy Protected

Free, No Obligation Quote

No paperwork

100% Secure Uk site

Approved Loan Broker

Instant Payday Loans

5 Mistakes to Avoid when Looking for an instant Payday Loans 

There are always dips you must be mindful when deciding  if to get a payday short term loans. It doesn’t really matter where one will be borrowing from, if it’s from the money shop, a high street bank, credit union, a personal loans company or an online instant payday loan company.

The most important thing is, you must repay the loan in time and in full and to meet your commitments.  Meeting your repayments is essential, as if failing to do so penalties can occur.

When thinking specifically getting an online instant Payday loans is simple and can help on a current cash shortfall. It is very important to be aware of the risks beforehand.

Here are the 5 things you shouldn’t do when you want to get a cash loan or an instant payday loan.


1. Not researching the market

Do a market research of all what is available to you before borrowing money from a payday short term lender.

Compare the interest rates, the amounts of payments, and all of the options if it is a credit card, bank, or an online payday short term online lender.

Make sure you know the penalties for late repayments and speak with any family or friends if they have good recommendations.

The advantage of Payday short term online loan companies is they are user friendly, you can get a quick loans, but that comes at a higher cost for the loan.

Making sure you researched all your loan options and have chosen the right one for you that you can afford and happy with.


2. Don’t borrow more than you need or can afford.

Instant Payday loan and short term loans should only be used as a last resort for emergencies. You should only borrow enough cash that will help you to get back on your feet.

The cost for a short-term loan if relatively high to other debt and only should be used to cover an emergency and not a source of general money.

Borrowing more then you need, can put you in to big debts can accumulate, it comes at a cost in additional future struggle.


3. Applying for a New instant Payday Loans, to pay for an anther outstanding loan.

If you are already struggling with your past loans and gone in to debt. If it is already difficult to keep up with the existing repayments. It is a bad idea to get another instant payday loan to cover your current debt. Do not and never borrow your way out!
If you don’t manage your debs you will have more tight repayments and more problems which can affect your life balance. In this kind of situation please seen free financial advice from the Money Helper and the National Debtline.


4. Taking an instant Payday loan on behalf of Someone Else.

We all want to help our family and friends, as we hope that is what they will do for us. However, if someone asks you to apply under your name as they haven’t been approved by a payday loans direct lender company, be very careful!

The reason they ben rejected is because the payday lenders think they have a low change to repay back the loan and they cannot afford the loan. As a result, you will get into trouble getting back the money from them as well and you might damage your credit rating as well as a friend or family.
If you want to stay friends just avoid this situations, even if your friend has the best intentions.


5. Not having a Repayment Plan

Before you want to borrow quick cash online via a Payday loan, or any other loan, you must budget and know where the money for repaying your loan will comes from.  

Getting a loan without knowing when you will have cash to repay it is extremely reckless. It will drag you to higher levels of debt and bad credit which will follow you into the future.

Make sure that you have a justifiable plan and you sure how you will be paying abck the full amouth borrowed and its interest in time before you apply for an instant payday loan or any short term loans or any other finance solution.


How can Pounds4U help?

At Pounds4U, we have confidence in giving our customers the help and the loan they need in the most responsible way.

Pounds4U does not do a credit check on our clients at the time of application, but the lenders on our panel will do credit check on each application before assessing its approval.

All lenders will proceed to a hard credit check before approving a loan to any customers as it is the regulations to do so and the right thing to protect themselves and the borrower. 

To find out if you qualify for a bad credit loan, simply fill out our quick and easy online application form and leave the rest up to us.

Why to choose

  • Borrow between £100 - 10000
  • We search the market for you
  • Totally Free service!
  • 100% Secured UK Site
  • No Obligation Quote
  • Leading Loan Broker
  • Your data is secure
  • One Simple Form
  • Same day Cash*
  • No hidden costs
  • No Paperwork
  • Open 24/7
Get a quote now

Please like our page!​

Excellent service. The application was processed immediately... like 50 seconds and found me a loan. Thank you... I would recommend when in need of assistance....​
Great response to my application, quick and easy straightforward process, great service all the way.
These are great i only took a £200 loan same amount each month and txt and emailed when payment was due cant fault them 😊

How Cash Loans Online Work?

Apply Online

Simply fill out our secured user friendly online form

Finding your Loan

Our High-Tech will process your application and will look to locate the right loan for you and your circumstances.

Get Cash

Once you are approved, you will be directed to your special lender to finish the process.

Why Pounds4U ?

Our mission

Our mission is to help and protect all consumers when they are in need of a Short Term Loan online in the UK.
We offer a state of the art quick technological solution to help you getting a short term loan online, easily, securely, and Totally Free with no obligation and no commission.


Our advanced state of the art technology allows us to get all the lenders* in to our platform making the customer in the front therefore, the top lenders compete to lend you the money you need.

Transparent service

Pounds4U provide fully transparent service to find you the best** responsible and trusted lender with the cheapest interest rate (APR) possible and terms according to your own special circumstances.


It doesn’t matter if you have bad credit or poor credit, at all credit types are considered. We will use our innovative technology to find you a suitable solution quickly with an user friendly easy form.

Pounds4U is fully registered with the ICO and regulated by the UK Financial Conduct Authority (FCA).

* Carefully  Selected and FCA Approved  panel of lenders.
**  According to the amount you want to borrow, and your ability to repay the loan among other factors. 

Who can apply?

To be eligible to get a loan, you need to:

Be a Legal UK resident 


Be 18 years of age or older


Have a valid UK bank account, working phone and email


Have a regular source of income (min £700 per month)