What are Instant Payday Loans? Learn about instant payday loans here. 

Typically, it is a short term loan or cash advance that is repaid, including interest charges, when you are next paid your monthly salary. When an unforeseen expense suddenly comes to light you may need an instant payday loan.

One moment you think you have your books balanced and bills paid but then your car breaks down unexpectedly. 

What then? Where are you going to find the extra funds? Fortunately, The Quick Loan Shop Ltd is here to help you to bridge that gap and get you back on track. We are short-term and instalment payday lenders with no hidden costs whatsoever; that’s right, we are here to help and ensure our loans are the most affordable.

Eligibility for short term loans is easier to achieve than you may think so why not apply for yours with us today? 

Our instant payday loans are for when the unplanned and unexpected occurs. A surprise bill or forgotten cost can happen to anyone at any time. The Quick Loan Shop makes finding your emergency funding even easier by providing a cash advance when you need it most. The process is simple and gives you access to money very quickly.

Just apply online by completing our application form and once approved we will send you an email and your short term or instalment loan will be in your account within 24 hours - indeed once approved, we will issue your funds within 15 minutes, subject to your Bank supporting the Faster Payments process. 

Our Application for a Cash Advance is completely free and only takes a few minutes to complete. From small amounts such as £100 to larger totals such as £2000, our unsecured personal loans can be borrowed with no hidden costs nor any additional fees.

New Payday Lender - 31 day loans

As one of the most reputable 'new' Instant Payday Loan Lenders in the UK we are members of the CCTA and regulated by the FCA to ensure that you can be assured that we are always clear and transparent with our policies; we always indicate the total amount repayable for your cash advance and the deadline for your payments.

We appreciate that APR percentages can appear to be high, however this is not really the case and often, Short Term Loans in England & Wales, are cheaper than traditional Bank Overdraft facilities. Here we aim to make these more understandable for you. 

With an APR of 1269.7 % (per year), a typical example shows that if you lend £200 until your next salary day, the total repayable cost is £248, an interest rate of 292% (per annum) with an interest of £48 or just 0.8% per day. The cash advance that we provide are direct from us if your Application is approved by us.

As a UK lender we only offer our Quick Loans to customers who live and work in the UK and who have a UK registered bank account. You must be over 18 years old, but you do not have to be a home owner or have a very good credit rating; we do accept bad credit ratings and CCJ's providing we are satisfied that you can repay your loan without incurring any undue financial hardship.  For more information, please go to: Payday Loans explained

Instalment and Short Term Loans from 3 months to 12 months.

We also offer FlexiEase Loans, these are cash advance instalment loans which you can repay over 3 month, 6 months or even 12 months. We operate 100% online, with all applications completed and accepted via a safe and secure form using SSL technology to encrypt your Data. Our online account allows customers to manage their quick payday loans any time of the day. 

Once your payday approaches, payments are made by you to us and the full amount including the money lent and interest should be repaid directly to us - please note that we do not operate a Continuous Payment Scheme and we do not remove monies from your account under any circumstances; the onus is upon you to repay your loan. In some rare and specialised cases we can offer extensions when payday loan agreements cannot be met. 

Please remember that if you default on your loan without informing us of any pending repayment issues, additional charges may be occurred for your cash advance and an extension should only be considered in exceptional circumstances; all efforts should be made to repay your payday or instalment loan within the designated time.

'Quick' or Instant Payday Loans - (Quick because we process your Application efficiently and quickly)

Our 'Quick' Loans or 'Instant Payday Loans' are attractive due to the speed in which we process your application. If approved, you will receive your funds 'instantly' or 'quickly' because we use the Faster Payments system - all at no charge to you!

As part of the Consumer Credit Trade Association The Quick Loan Shop is committed to providing good practice and a truthful trustworthy service. We always stick to advisory guidelines as published in the ‘Good Practice Customer Charter’ and offer advice and information about our cash advance services.

We believe in making customers aware of independent organisations such as MoneyAdviceService.org.uk, Citizens Advice, Consumer Credit Counselling Service and National Debtline. Our dedicated customer care team are always here to help so if you need the services of an honest UK short term lender, then apply with us online now.  For more information, please go to: Instant Payday Loans explained

Let us assist you with your next Cash Advance loan

Now that you have read and understand what we are about, you can rest assured that we will be able to help you with your borrowing needs. Cash Advance? No problem. We do not shy away from our responsibilities, to you, our Customer. Our Service to you will always be completely transparent and free of any fees. 

Trust us. You will be glad that you did. 

3 Month Loans - Our most popular loan! 

People often ask 'what is our most popular loan product?' The answer to that is our 3 month loans option. Our Customer's are finding that spreading their repayments over 3 months is helping them to afford their instant payday loans more easily. The monthly repayments are smaller for a typical payday loan amount or the loan amount itself can be larger, depending upon your needs. For more information, please go to: 3 Month Loans explained

All credit applications considered - no exceptions! 

We promise to review your application regardless of your circumstances. That means if you have a bad credit history, we will still consider funding the requested loan. The Quick Loan Shop recognises that a bad credit score does not necessarily reflect your true financial situation and how you are currently managing your financial affairs.

It is also true to say, that a short-term payday loan is more affordable in real terms compared to a larger loan that demands a greater repayment amount. Of course, it may be that a single larger consolidation loan is better for your current situation - these are things that you need to weigh before making an application.

If you simply need a small amount to tie you over until your next payday, then a payday loan is ideal - hence the name. However, if you have several debts that you are struggling with then a single larger consolidation may be required to ensure a more affordable repayment.

Either way, we can help you with both options: small loans and larger loans. Apply with us today. Learn about Bad Credit Loans