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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 a fully regulated and authorised credit broker and not a lender.

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Payday Loans Direct Lenders

There are a large number of payday Loans Direct Lenders across the UK. Many are similar but some are very different. The choice of many payday loans direct lenders makes it hard to locate a decent loan specialist, which is the reason why we need to know more about them.

The below answers to the questions below about the payday loans direct lender should help you find the best payday loans direct lender for your circumstances:

Is the lender licensed / authorised/ regulated by the FCA?

Before you apply for a loan from any payday loans specialist in the UK, make sure they are authorized and approved by the Financial Conduct Authority (FCA). Search for their FCA authorisation number, organization number, office address, business name, phone number and post code. You should usually find all this information on the bottom of the Payday Loans Lender website, or the footer. As well, you can check the FCA register at check whether the payday direct lender is approved by the FCA.

You should just apply with an authorized and approved business since it ensures that it conforms to severe legitimate necessities to protect consumers at the highest legal requirements. Applying with unapproved or unregulated payday loans direct lender is extremely unsafe. You may not be properly secured as a buyer and the direct lender may not fulfil the entirety of the lawful requirements.

  • What APR rate and is it the right measurement?

Now that we covered and you know you are dealing with a fully FCA authorised payday loans specialist, the time has come to find the amount they are charging.

UK payday moneylenders express their financing cost charges as an annual percentage rate (APR), which can be confounding in light of the fact that payday loans are for a period of 1month to 6 moths, much short-term loan then a year.

Something imperative to note is that you won’t really pay the expressed APR charge. Rather, you will pay a small amount of it relying upon your loan factors, for example, how much you borrowed over and for how long.

The best payday loans direct lenders will disclose to you clearly the total amount of money you will need t pay back before you take the loan, with the breakdown of how much interest the loan will be charging.   

That implies you shouldn’t stress a lot over the APR as due to the regulations the maximum interest anyone can charge is capped at 100% with a maximum of 0.8% per day. So the APR number is wrong and very confusing.

  • Are there any additional or hidden charges?

The majority and all the payday loans direct lenders that Pounds4U works with are quick cash loan specialists will charge interest only. They won’t charge you for early repayment your credit early and they won’t charge any advance preparing your loan. It is still important that you read all terms and conditions before you take or accept any offer from anyone.

Regarding to late repayments, all payday loans lenders will charge extra interest for late payment. Such charges are generally outlined in the terms and conditions. As a rule, always repay your debt in time and in full as late repayment can cause you serious money problems. For help, go to Money Helper

  • Does the lender user friendly to manage the loan?

User friendliness is the thing that makes payday loans and quick cash loans appealing. But, some payday lenders are less user friendly than others – especially those direct lenders who don’t allow online loan application, handling as well as a simple user account management portal.

The best payday loans direct lenders will provide an online portal that will help you to manage your short-term loans, in a simple effective, informative and easy interface.

  • How secure is the sort term loans lender’s website?

The security of your own information online is significant. You ought to evaluate the security of the direct lenders site before entering any sensitive information about you or your financial details. We at Pounds4U have state of the art online security as well as all the partners we are working with. Here are a few things to pay special attention to:

  • Can you see a lock icon next to the address bar? If yes, the site is secured
  • Check the URL of the web site. It should begin with “https”. It’s the web standard hypertext secured protocol.

All good payday loan direct lenders must have these security measures includes on their site. Your own and financial information and financial information can be at risk is you don’t see the above. If you don’t see the lock icon or/and Https just leave the site for your own security.

Pounds4U is a fully secured website, and we make sure we look and protect our clients.

  • What do the reviews say?

It highly interesting to read what other people are thinking about the payday direct lender.  Give specific consideration to the 1 to 3 star evaluations and pay close consideration to the direct lenders reply to these reviews.

The best short-term loans lenders will have a 4 and 5 star reviews should be looked at the answers and replies.

Reviews are a decent method for getting some idea and information about the lender and the service they are providing. Payday loan reviews sites like trustpilot, or google Review are important and will give a good indication to what users thought about the service.

  • Does the lender have a disclaimer?

Good payday loans direct lenders, like the ones Pounds4U works with, will make sure its clear to all out customers that payday loans are not suitable or the solution for long-term loans, nor to anyone who is in already financial difficulty.

All short-term loans lenders must warn all their clients that loans are not suitable to any one and they will depend on their affordability as late repayment can cause you serious money problems. For help, go to Money Helper.

The above points should help you identify the best payday loan direct lenders suitable for you and your circumstances. Paying attention to the points above will help you make the right decision.

Pounds4U is built to find customers the loan they need with the most suitable payday loans direct lenders.

Pounds4U is a fully secured, authorised and regulated by the FCA. We have extensive knowledge of the lending market and can help you find the most suitable UK payday lender for you, even if you have a poor credit rating or no credit history.

Furthermore, Pounds4U only works with UK payday lenders that are regulated by the Financial Conduct Authority (FCA).

To find out if you qualify for a payday 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....​
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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)