UK payday loans are small short term loans that we grant to applicants in exchange for repayment on your next payday (see loan terms for complete repayment information). Our loans are bad credit friendly and are one of the easiest loans to be approved for.

Why us?

In addition to lending small amounts, we specialize in getting the funds to you faster than anywhere else. You can have the loan amount deposited into your bank account in as little as 15 minutes. How exactly do we give you such quick results? It's simple. Our loan application is only one page in length and does not require any extensive information that would have you sifting through mounds of paperwork. One other advantage is the fact that we do not carry out a credit check on our applicants. This shortens the processing time immensely, especially when compared to banks or other traditional lenders. When you add in the fact that the process is completely paperless, you start to get an idea of why we are able to provide and deposit your loan so quickly.

Some of the benefits of our service include:

A 24/7 Support Team
No Phone Calls
A transparent loan process
No hidden fees
Simple one Page loan application
Borrow up to £1,000

If the above sounds good to you, you are not alone. We have serviced over 100,000 people in the UK with a short term loan within just 4 years of operation. Due to our excellent service, our customers look to us whenever they run into financial problems. One of our best advertising techniques is via word of mouth and an average of 9.8/10 customers would recommend Payday Ninja to their friends and family.

No Restrictions

While banks tend to place restrictions on what you can use your money for, we do not stipulate what your loan can or cannot be used for.
Some common uses of Payday loans include:

Paying Rent
Paying past due bills
Car Payments
Mortgage Payment
Car Repairs
Household Improvements

The above examples are just some of the uses of our short term loans.

Payday Loans UK Popularity

The practice of payday loans actually started in the US. During the tough economic times they experienced in recent years, many people were able to turn to payday loans to help them get through tough times. In fact, over 10 million Americans receive such loans every year. Payday loans have rapidly gained popularity in other parts of the world and within the UK, simply because of the simple fact that they work.

More and more UK citizens are taking advantage of short term loans, and over 100,000 have chosen ourselves to handle their short term financial requirements. You will see that there has been quite a huge influx of new lenders who are beginning to offer payday loans. We must urge you to air on the side of caution when applying with such lenders. When choosing the right lender, reputation should play a large part in your decision and making sure that they are properly licensed under the OFT (office of fair trading).

Great for Bad Credit

The primary users of payday loans are people who have had issues with their credit score, which can be caused by missed/late payments, defaults, bankruptcies all of which can tarnish your credit score. Due to this, many people are unable to get approval for personal loans via high street banks. Banks and other traditional lenders rely heavily on your credit history to determine if you are worthy of being approved.

We realise that your financial history does not necessarily mean that you are unable to repay a small short term loan. Unlike banks, we specialize in providing loans to those with bad credit. In fact, most of our customers have come to us because they were denied by a high street bank. We happily assist them and have helped countless people in such situations to get through these tough financial times.

Our application process does not require a credit check. We understand that most people seeking our loans are doing so because they are not in the best financial position. We at Payday Ninja are only concerned with your current situation and affordability rather than your financial history. We focus on your ability to repay our loans by using your current income and loan duration.

Get you money Quick

When going through financial hardships, time is of the essence. With our zero hassle application process, you are going to be able to get the money you need in as little as 15 minutes. You do not have to fax any paperwork or make lengthy phone calls. These processes just add more stress to an already stressful situation. We do not want to give you a headache, we would just like to provide the help that you require.

Easy to Contact Us

Whether you need money at 1AM or 10PM, we are available to help you with our 24/7 support team. You can apply for your loan at any time and get your money within 24 hours. And if you have any questions feel free to fill out our contact form and one of our representatives will be in touch with you right away. You will never feel alone with Payday Ninja.

Transparent Payday Loans

Mainly down to the lending practices of some disreputable lenders, instant payday loans have a negative image. Due to this, some people are uncertain to apply out of fear that they will be cheated or taken advantage of.

We can assure you that we are one of the safest UK Payday loan lenders. There are no hidden fees associated with our loans. This is why thousands of UK citizens have trusted Payday Ninja with their financial requirements.

There are certainly disreputable lenders within the marketplace that are taking advantage of people in financial distress. In order to avoid those situations, choose a company that you can trust, Payday Ninja.