Warning: Late repayment can cause serious money problems. For help, visit moneyadviceservice.org.uk
Warning: Late repayment can cause serious money problems. For help, visit moneyadviceservice.org.uk

Borrow from £50 to £25,000*
Apply online today for an instant decision
Short Term Loan
Apply online today for upto £3,000

One simple 5 minute application form
15 minute cash transfers
Fixed monthly repayments
Instant decision

Apply Now
Personal Loan
Apply online today for upto £25,000

One simple 5 minute application form
15 minute cash transfers
Fixed monthly repayments
Instant decision

Apply Now

Same Day Loans Online

You’ve paid your bills, set yourself a budget for the month and seem to be on track with your finances…. but then, your car becomes unexpectedly damaged on your commute to work and you need to pay a hefty bill to get it back to working order. What do you do? You don’t want to ask friends and family and your credit is less than perfect.

At Lucky Loans, we have the perfect solution with our same day loans online. We offer an alternative to the high street, with our online only loans, which are ideal for short term cash flow needs. If you have been hit by an unexpected bill or have overspent and left yourself short, these quick, easy access loans will see you through to your next payday.

We live in a time where credit is becoming increasingly difficult to obtain and the same day loans provide a lifeline to our customers. If you think you are alone with your struggles, don’t worry, you’re definitely not. We have helped thousands of customers since we launched in 2015 and we can help you too. We are passionate about helping our customers overcome financial difficulties and we will always be completely upfront with our costs. We aim to make the process as simple as possible for you and we want to say yes!

We understand that many people who require same day loans will require the money fast and efficiently. We ensure that our whole online loan application is as simple and fast as possible so that your application is submitted within a matter of minutes. We will always provide you with an instant decision so you do not have to wait for someone to get back to you with a “yes” or “no”, you will have the answer within seconds of submitting your application form.

We are 100% online – no credit checks or paperwork required, only a simple application.


Our UK Loans

We understand that everyone’s needs are different, which is why we have designed our UK loans to fit around a range of circumstances. All of our loans are flexible to suit your own individual needs and can be used for a variety of different purposes.

Whether you need a short term loan to deal with an unexpected bill or a personal loan for more expensive purchases, Lucky Loans can help. Our customers use the loans for a range of purposes and no matter what yours may be, we have options for you. Whether simply overspending or paying for home improvements, our loans can be tailored to suit you.

Most customers use our UK loans for holidays, weddings, existing debt, unexpected bills, home improvements and car loans.

Short term loans

We know it might not be possible to pay your loan back on your next payday. You may have other commitments and might need more time to pay it back, which is why we have introduced short term loans for longer term lending.

With our payday loans, you can borrow between £50 – £3,000, but instead of paying it back on your next payday, you have the flexibility to pay it back over a 3 month period. This can take a lot of stress and worry off your shoulders, and save you from incurring any additional charges and costs. You pay fixed payments over a 3 month period, rather than paying it back in one go.

Unlike other lenders, who will keep adding costs on each month if you fail to pay the first month, we introduced this flexible option to help keep your costs as low as possible.

How it works

  • Choose your loan amount

    Choose the amount you want to borrow

    By using our homepage sliders you can select your total payday loan amount and borrowing period. You can select funds of £50 – £2000 to be repaid anywhere from 7 days to 3 months.

  • Apply

    Application Form

    Your application is 100% online and should take approximately 5 minutes. So we can give you an accurate and instant online decision we’ll ask you for some personal information such as your home address, employment details and monthly outgoings. For approved applications we will also require your bank details in order to transfer the funds directly into your account.

  • You decide

    Instant Online Decision

    We will give you an instant online decision within a few seconds of submitting your application form. Once approved your loan agreement form will be displayed to you where you can check everything over to make sure that you are comfortable with it. We will always display the total loan amount, interest rates and repayment dates so you know exactly how much you will need to pay back and when, there will be no hidden costs.

  • Done

    Receive Your Funds

    After you have reviewed and accepted your loan agreement form, we will automatically transfer the funds directly into your bank account. We specialise in fast cash transfers, you could receive the funds in your account in just 15 minutes!**

Payday Loans UK

A payday loan is designed to cover short term financial needs. If you need financial help before your next pay day, these are the ideal solution. Payday loans are the smallest type of loan available to UK customers. Apart from an overdraft and credit card, a payday loan is the only other form of finance that can be borrowed at such a small amount and can help prevent UK customers from taking out larger loans to cover small costs.

No matter how hard you try to budget, it can be difficult to keep up with day to day expenses, especially when unexpected costs arise and at Lucky Loans, our payday loans are designed to suit your short term needs.

Most lenders will only be able to lend large amounts for longer periods of time, which is not ideal for many people. After all, the more you have, the more you spend and borrowing large sums can often lead to further financial problems.
If you need to cover a bill or an unexpected expense, a short term loan of up to £3,000 may be the best option for you.

Personal Loans

Personal loans are a type of finance that are specifically suited to help pay for larger cost items such as a holiday or a larger expense. Due to the higher value of the loan, they are different to payday loans in the way that these types of loans will usually be repaid over a 2-3 year basis to help ease the monthly repayments.

What happens if you’ve set a date for your wedding, planned to save but the closer it’s getting, you realise you are just not going to be able to afford it? You can’t cancel your wedding and you may not have anyone to borrow from.

You want to be able to enjoy the special day, not stress about money – and with our personal loans, you can pay for those larger events in life with ease.

If you need larger sums of cash for up to 2 years, personal loans will be better suited to your financial needs. You can borrow from £3,000 to £35,000 and these are a popular solution for unexpected costly events, such as weddings or you may need some short term funds for your business. You may just be starting as a freelancer and need some funds before invoices are paid. Whatever the purpose, Lucky Loans are the leading UK loan company to help.

We understand how stressful it can be to realise you don’t have the funds to do what you need to do and asking to borrow cash from your nearest and dearest is not always a viable option.

You may even just need to get away on holiday and escape the day to day grind and the personal loans can be ideal for this too. Everyone is different in what they need and our personal loans can be adapted to suit different customers.

15 Minute Cash Transfers

Sometimes it’s just not possible to wait around for weeks for your funds to arrive, especially if your car needs repairing or you are already over due on a rent or mortgage repayment.

At Lucky Loans, we understand that you may have urgent financial concerns and you might not have the time to wait around for an answer on your application. This is why we strive to give you a quick decision and access to your funds as quickly as 15 minutes later.*

Our application process is amongst the fastest in the UK and you will receive a decision within seconds. If approved, your funds will be deposited straight into your bank account.

We won’t make you wait around at Lucky Loans, we understand your concerns and we strive to ensure you receive your cash as quickly as you would like. Our 15 minute cash transfers are here to help with all your urgent lending needs.
If your application with us is unsuccessful we will still give you an instant decision and inform you why your application was unsuccessful.

How to apply online?

We aim to make the application process as simple as possible. First, decide which type of loan you want. Short term loans up to £3,000 or a personal loan up to £25,000.

Select the ‘apply now’ button and the amount you wish to borrow. The application takes just a few minutes to complete and you will receive a decision within seconds. There is no need to send over any supporting documents – such as payslips, bank statements etc. We don’t require any proof of income and we won’t undertake any credit checks. Don’t worry about the purpose of the loan, we don’t make a decision based on why you need it, all we need to know is that you have the income to pay it back.

Like many payday loans lenders we will also need your bank account information, this is not to take any form of payment from you, this will be used to inform the lender of the specific bank account in which your funds should be sent to.

What details do we ask for?

  • Monthly Salary
  • Employment Status
  • Address Details
  • Bank Account Information

Our Promise

We are completely transparent about our costs – unlike many other lenders, we won’t hit you with any unexpected or hidden charges.

We will provide you with the full cost of the loan, which will include any interest repayments, so you know exactly what you will need to pay back and when you will need to repay it.

The service is 100% free of charge – you won’t be charged anything for using our service.

We are passionate about responsible lending and we want to help our customers when they need us both. This is why we offer flexible options, so we can accommodate the needs of a wide range of people.

All we ask is that you act responsibly and only apply for the loan if you can afford to pay it back when the time comes. If you don’t pay it back on time, you could be liable for additional costs, so only apply for a loan you can afford.

Don’t stress about not being able to cover a bill, pay for a wedding or even go on holiday. Apply now for your personal or short term loan and take some of the pressure off your shoulders. If these loans don’t suit you and you’d rather try another option, just get in touch and we’ll see if we can help. We try to accommodate all needs and can be flexible with the loan options.

We look forward to assisting you with your short term financial needs. Get in touch today to find out more or just simply apply for your loan of choice and we will get straight back to you

What can I use a personal loan for?
Take a look at the 6 most popular uses for taking out a personal loan

There are many different reasons why people turn to personal loans and why they continue to grow in popularity with UK customers. There is no restriction as to what you can use a personal loan for; reasons vary from holidays to car loans.

Car loans

Car loans

Home improvements

Home improvements





Pay off existing debt

Pay off existing debt

Unexpected bills

Unexpected bills