Scam Warning: Heart Loans will never call you or ask you for an upfront fee for using their service. To report a scam visit
Scam Warning: Heart Loans will never call you or ask you for an upfront fee for using their service. To report a scam visit

We help you find the right payday loans to suit your needs.

Apply online today and borrow upto £2,000*
How much cash do you need?
How long do you want it for?
Representative Example: Loan Amount - £200 | Borrowed for 10 days | Interest: £9.89.
Total Repayment: £209.89 (Fixed) | Representative APR: 728.9%
Heart Loans will never call you and will never charge you any fees. Never pay upfront fees for a loan or send money in return for a loan. Heart Loans does not provide any loan or consumer credit products directly, we are a licensed credit broker and not a lender.

Why is HeartLoans right for you?

In the UK alone, thousands of people every week are hit with unexpected bills and expenses which they have not budgeted for. Even the most organised can find themselves in moments of financial strain. Many traditional lenders and banks only offer their customers with complex or time consuming strategies to lend money to help cover these times of financial difficulty. Here, at Heart Loans, we understand how long processes and the paper work associated with bank loans only increases the stress of the situation you are facing. That is why we believe in providing our customers with a much simpler and stress free solution. We strive to deliver a reliable and quick way to apply and receive the money you need. Our customers remain in full control of their pay day loan, choosing the exact amount of money they want to lend along with when you want to pay it back. Heart Loans will then use our leading lending platform Monevo, to rapidly source you with the best short term loan provider appropriate for your personal requirements to choose from. Simply fill out our 5-minute online payday loan application form, and the money could be in your bank account in as quick as 15 minutes**! Our quick and easy instant payday loan application system is why we are one of the best payday loans company in the UK. .

  • Online Application takes just 5 minutes
  • Money Transferred in 15 Minutes**
  • Instant Payday Loans Approvals Online
  • No Hidden Fees or Charges
  • Lowest Possible Interest Rates and APR*
  • Flexible Borrowing and Repayment Terms
  • Application is Safe and Secure
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How it works

  • Choose your loan amount

    Choose your loan amount

    Use our home page sliders to choose the loan amount you wish to borrow and the time in which you wish to borrow for. Total Loan amount, interest rates and chosen term will be fully displayed to you.

  • Apply


    Fill out our simple 5 minute application form and our Monevo lender matching technology will do the work for you! Receive an instant online decision. We’ll ask for your address, bank and employment details. Your application is 100% online.

  • You decide

    You decide

    Your application will be submitted to our Monevo Lender Panel. If approved you will be redirected to the lender application form where you can check everything over to make sure you are happy with it. You are under no obligation to accept and can still accept or reject the loan offer at this point.

  • Done


    Once you have accepted your Loan Agreement, your funds will be automatically transferred into your bank account by the Lender. You could receive your funds in just 15 minutes!**… It’s that simple!

How do Payday Loans work?

Payday loans are used as short term solutions to unexpected outgoings such as bills and other expenses. They are the smallest form of loan available in the UK, and have grown in popularity as they provide a quick, flexible solution to financial strains. Before the introduction of Payday loans, those who needed to borrow money would have to set up an overdraft at their bank. Not only did overdrafts require a lot of paperwork, but they would usually accumulate more unwanted debt for the borrower as they were given more money then they needed. It was not a suitable solution for most customers.

Many people who take out a payday loan intend to pay an exact amount of money they need back on their next pay cheque rather than over a longer drawn out period of time, which is why the name pay day loan originated. If you are looking to have a slightly longer repayment schedule, a short term or flexible payday loan may be more appropriate for you. They are normally repaid monthly, over a course of between 3-6 months. In fact, some lenders will even offer borrowers up to 18 months to pay back any money lent. Therefore, customers are given full control over their money loan and can avoid copious amounts of paperwork or the embarrassment of asking family or friends for money.

At Heart Loans, we remain committed to keeping short term loans as simple and fast as possible to access for our customers. We know how overwhelming it can feel when faced with an unexpected expense such as a boiler breaking or car breaking down, or even just living costs being higher than expected. No matter what the reason is for your need for a fast, online pay day loan solution, Heart Loans is here to help you feel in control again. Your online application, which takes just 5 minutes to fill, will be processed instantly. If you are approved by a lender that best fits your needs, and you have ensured that you are happy with their payday loan offer, the money you need can be transferred directly into your bank account in as little as 15 minutes**. It is possible to borrow a total of £50 to £3,000 depending on the amount you desire. Moreover, because we know that it is not always possible to pay back your loan by your next payday, we offer payday schemes from a month to up to 3 months’ time to enable you to comfortably and securely pay back any money borrowed. Simply put, Heart Loans is a secure and reliable online payday loans broker company which will help you to get the cash you need from the convenience of your own home! Click apply to begin the 15 minute** process of receiving the instant online payday loan you need, today.

Please be aware that Payday loans are not appropriate for those who are struggling with more serious financial debts. If you are in a situation of severe financial problems, please visit for free and impartial advice and support.

Pay day Loan UK


Payday Loans UK Some Of The Lowest UK Rates
Payday Loans Borrow £50 – £2,000*
Instant Payday Loans 15 Minute Cash Transfers**
Short Term Loans 3 Fixed Monthly Payments
Payday Loans Online 5 Minute Online Application
No Credit Check Loans Performed by UK Lenders

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Our UK payday loans help thousands of people every week receive additional funds quickly without the need of having a face to face meeting with a bank manager. The application process itself is a lot faster and much less strict than other financial companies such as banks or building societies who require bank statements and payslips which is why payday loans have become such a popular choice.

What are payday loans used for?

Typically, pay day loans are used to cover unexpected expenses such as to cover a car breaking down or a flooding dishwasher being fixed. However, it is the lenders prerogative to decide what they want to use their payday loan for. There is a wide range of reasons someone may want to apply for a short term loan with Heart Loans. Not only can the extra money provided by a payday loan pay off an unexpected outgoing like a broken boiler, it can also pay off a one-off expense until your next pay day such as a last minute holiday or a special occasion. There is no terms and conditions attached to why you have applied for a payday loan. Here is a list of reasons customers have applied for a payday loan with us in the past:

  • Home Improvements
  • Car repair bills
  • Unexpected bills or expenses
  • Avoiding having to ask friends or family for money
  • Special Occasions
  • Medical Emergency

What is the benefit of using Heart Loans rather than a pay day loans direct lender?

 Although some people prefer to go straight to a direct lender for their payday loan, it can mean that they are not getting the best deal. By dealing directly with one payday loan company, you are only given one short term loan option. At heart loans we believe that you should have choice and full control of the money you wish to borrow. That is why, by working as one of the UKs best loan broker websites, we are able to provide our customers with an unrivaled service using the our lending platform. We work closely with a range of UK payday loan lenders, to provide our customers with the best deal to suit them. Instead of being limited to one company’s rates, our leading lending platform technology will search through our trusted lenders to find the most appropriate deal for your personal requirements. This means that by using Heart Loans, you can ensure you are in full control of your payday loan, selecting how much you wish to lend, and when you would like to pay it back. Not only does our website save you time in comparing direct lenders yourself, but it also is one of the quickest ways to apply for an online payday loan.

There are a number of different ways in which you can apply for a payday loan online, either by going directly to the payday lender or shopping around using payday loan comparison websites. Shopping around has become very popular among UK consumers with many now choosing to shop around for things such as car insurance, car finance, home insurance and life insurance. The benefit of using a comparison website or broker is that you will be shown what a number of lenders can offer you and will be presented with the best deal first. By applying directly to a lender, you will have no way of knowing what other offers are currently available to you.

Our online payday loan application process takes just 5 minutes to fill in, and can result in you having the cash you need transferred directly into your bank account in as quick as 15 minutes**.

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What is the benefit of taking out a payday loan online?

Traditionally, applying for a loan has been time consuming and required large amounts of paperwork and evidence for your bank to process your application. One of the greatest benefits of applying online for a payday loan is the time you save! At Heart Loans, our online application takes just 5 minutes to complete and does not require any paperwork. It saves customers time and any inconvenience of having to travel to your bank and fill out their forms. We have worked hard to create such a stress free application process, which has earned us the reputation of being one of the fastest and easiest online pay day loan companies to use. Our customers can rest assured that they will be able to receive the money they need directly into their bank account in as quick as 15 minutes**.

Another great benefit of using our online payday loan process is that we are completely free of charge, you do not need to worry about any ‘hidden’ additional fees accumulating. Our leading technology provides our customers with instant, tailor made decisions for each person. Unlike a direct lender, our customers will not be restricted to using just one lender and their fixed rates. Instead, we compares hundreds of the leading lenders in the UK to find the most appropriate payday loan lender for your personal needs guaranteeing you with the best deal. You are under no obligation to take the loan offered to you and so there will be no charge made to your account. Our reliability and transparency throughout the application process is why our customers rate our services so highly against other lender platforms.

What information do you need to apply for a payday loan?

Heart Loans have worked tirelessly to create one of the UKs fastest online payday loan application processes as we recognise how important our customers time is and wish to provide them with the best payday loan service possible. We ask our customers to fill in just one, simple form which takes approximately 5 minutes to complete. It will not be Heart Loans who will use the information you provide to check your identity and credit score, but the lenders we work with. This is a standard procedure which all reputable payday loan lenders are responsible to carry out. Don’t worry about the credit check if you know your score is good or bad.

We know that if you are currently suffering from a bad credit score you may be worried about being rejected, however that is not always the case. As we work with some lenders who specialise in helping those with poor credit ratings, they will follow their own procedure when checking your application and will just want to be able to ensure that you will be able to pay back the money they lend you. Below is an explanation of the information we request:

  • Address: The applicants address is necessary for two reasons. Firstly, our lender must ensure that they are adhering to the UKs anti-money laundering and fraud regulations. They do this by checking the applicants address to make sure that the loan isn’t falsely being taken under somebody else’s identity. The second reason is to simply make sure that the home address matches the address for your bank account.
  • Date of Birth: All applicants date of birth must be checked, as the minimum legal age to take out a short term loan is 18 years.
  • Monthly Salary and Employment History: This is required so that lenders can check that the applicant is able to meet the repayment terms and pay back the money requested in full. If we realise that a pay day loan isn’t the best solution for your request, then we will be able to offer you alternative lending ideas.
  • Bank Account Information: We need your bank account details so that when your application is approved, we will be able to transfer the money you need directly to you within 15 minutes**! Our quick payday loan transfer rate is one of the many benefits of applying for a payday loan online.

As we value giving our customers quick, reliable and safe services, we are happy to say that we will never request copious paperwork evidence such as bank statements, payslips, references or a personal guarantor.

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What happens if I can’t pay back my payday loan in a month?

Before taking out a payday loan, it is important that you work out whether you will be able to pay back the money you have borrowed in accordance to the repayment schedule offered by the lender and including the interest rates added to your loan. If, for an unforeseeable reason, you realise that you are no longer going to be able to pay back your pay day loan in time, don’t panic. The worst thing you can do is to ignore the problem. There are steps you can take to help you; you are not alone. Websites such as the government ran Money Advice Service or StepChange Debt, which is UKs leading debt charity, are both strong starting points to find advice or support. By law, payday loan companies must suspend the repayments of the debt for a reasonable period while the borrower develops a new repayment plan with a debt advisor.

If you find yourself in a situation so serious that you do not think you will be able to afford essentials such as food, rent your mortgage or utility bills then phone your bank and cancel the recurring payment that allows your lender to take money from your account. You must make sure you tell your lender that you have done this as you have found to be experiencing serious difficulties in being able to repay the money back to them. Although you will still owe the lender money and this may continue to incur interest it will provide you with some time to seek support and advice to make a plan of action on rectifying your financial situation. If you are unsure of how to come up with a new repayment plan contact a free confidential debt advice service such as Citizens Advice England and Wales, Citizens Advice Scotland, Citizens Advice Northern Ireland or the National Debtline. You will be given an advisor who will be on your side and will help you to get the debts under control.

payday loans online heart loans

What should i do if my online payday loan application is rejected?

If your application for a payday loan is rejected for any reason, do not worry. There are other solutions to borrowing money. Generally, applicants will only be rejected for a payday loan online if the lender has deemed that they will not be able to pay back the requested money in full. This may be because you are unemployed so the lender has no guarantee that you will have a sufficient income to repay them with. If you are rejected, we may be able to provide you with some other financial options for you to consider. Other financial options which may be appropriate to your situation are listed below:

  • Loan from guarantor: Almost anyone can act as your guarantor so long as they are over 21 years of age and have a good credit score history.
  • Credit Union: First, you will have to become a member of the credit union. Generally, a credit union is a cooperative community organisation which is formed due to a common bond such as all working under the same employer or living in a catchment area. They do not run for a profit, and will accept a deposit for a low interest loan.
  • Logbook Loan: This form of loan involves you transferring the ownership of something valuable, such as a car, to a logbook lender as a guarantee that you will repay the loan. Once you have repaid the logbook lender you will be given back your car.

If you are looking for more alternatives to payday loans for borrowing money, there are many impartial financial advisors such as StepChange Debt who will provide you with advice and support in your time of financial strain.

Why payday loans online?

Because using payday loans online is fast and convenient. You are able to apply using our online application form within minutes without the hassle of organising bank appointments and collecting together bank statements and other paperwork that is required for some other financial providers. You are in control of how much money you want to lend, and when you want to repay it.

On average, customers tend to borrow between £250-£270; (Statistics taken from The Guardians article on UK payday loans) which is typically repaid up to three months later. Most of our customers use the online payday loan to pay for unexpected charges and bills which they otherwise would not be able to finance until their next pay day. Put simply, Payday loans online are one of the easiest ways of applying and receiving the money you need directly to your bank account within a very short period of time.

How to apply with Heart Loans online

We do not believe in over complicating the payday loan process which is why you are only required to fill out one application form. Our application form will capture all the information that we need to be able to process your application and provide you with a decision as to whether you have been accepted or declined.

After we have received your application form, our lender matching technology, will match you with a lender that can best provide you with the loan that you require. The way our lender matching technology works, is you will be matched to a lender that can offer you the best possible interest rates and repayment terms.

What are the best payday loans UK and how can I apply?

There are many different payday loans direct lenders on the market that offer many different types of pay day loans in the UK. What may be the best option for one person may not necessarily be the best option for you. For example one payday loans direct lender may be able to offer you your ideal payday loan, however another payday lender may not be able to offer you anything at all. This is because many UK Loan direct lenders have different criteria on who they will borrow money to. You may meet that criteria for one lender however when compared to another lender you may not meet their criteria.

In conclusion, there is no real answer to what is the best payday loans UK as there are so many lending products that are available that suit people’s needs in different ways.

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