Receive a £100 - £5,000 Payday Loan, same day*

Super fast loans for 1 - 36 months

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UK Based Lenders

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Same Day Transfer

24 Hour Service

Representative Example: Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

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Frequently Asked Questions

Do you offer no credit check loans?

In truth, no reputable online payday lender can offer you a loan without checking your credit profile to determine if you're eligible. This would be a huge mistake on the part of the lender. The direct lenders we're partnered with initially perform what is called a soft check which means they can request the desired info to determine eligibility but no lasting footprint is left on your record at this stage and your score is not negatively affected. If however, you choose to accept the loan offer presented to you, a full credit check will be performed.

I have bad credit, can I still apply?

Yes, we're partnered with many UK based payday loan companies who specially cater for customers with bad or poor or even no credit history whatsoever. Obviously the amount the lender is willing to offer you may be significantly less than the amount you requested if you do have a bad credit history but applying is free so it's worth finding out.

Will I receive my money instantly?

Once you have been accepted for a payday loan the offer (amount and repayment terms) will be presented to you. Should you accept these terms the loan will be transferred directly to the bank account you specified during the application process. Transfers typically take around 15 minutes from you accepting the offer to arriving in your bank. However, each bank has different policies with regards to transfer times so you should always allow adequate time.

What are Payday Loans?

Payday loans, as the name suggests are short term loans designed to cover emergency expenses whilst you're waiting for your next pay day or pay check to clear. They may also be referred to as short term loans or payday cash advances but they're essentially the same thing.

What are your opening hours?

We're a 100% web based online payday loan broker so we don't have fixed working hours. You can make use of our service 24 hours a day, 7 days a week, 365 days per year. Keep in mind though that some lenders will process your application manually so outside of business hours and bank holidays you may need to wait long for the funds to arrive in your bank account.

How much can I borrow?

The lenders we're partnered with offer short term payday loans, for any purpose up to the maximum of £2,500. The amount you can borrow will be decided by the lender themselves based on the criteria you enter during the application process. All of the lenders we're partnered with are considered responsible lenders meaning they will not loan you amounts which they feel you'll be unable to pay back.

More About Omacl's Service

How is Omacl different to other lenders?

First and foremost, Omacl is not a lender. We're a payday loan broker meaning we do not lend you money directly. Instead, we offer a referral service where we use our in house technology to match you with a real world, UK based lender. Our software takes the information you enter into our application form, determines your eligibility and matches you to lenders who meet your criteria. Should you be accepted, you'll then be presented with an instant on screen loan offer..

Are brokers better than Direct Lenders?

In our opinion, brokerage companies such as ours are better for the consumer as the chance of matching you with a lender who can actually cater for your needs and offer a loan for the amount you desire is much higher than it would be if you simply went direct to a well known lender. With our service, your details may be sent to 20+ payday loan companies seamlessly meaning the chance of you getting accepted is high.

What exactly is a "Quick Loan"?

A quick loan is simply a loan that you will receive quickly. Some loans such as personal loans take days to sort out. Back and forth paperwork signing, detailed eligibility checks and slow processing means that you could ultimately be waiting a week or more to get your hands on the money. Quick loans however are loans such as payday loans or short term loans which are sent to your bank account almost instantly, usually within the hours.

Will Omacl find me the right lender?

Our system will match the loan amount you require to a lender who is willing to lend you that amount of money based on what you include in your application form. That is the long and short of it. It's an entirely automatic process meaning you just have to fill in the one, single application form and our software will automatically do the rest. A typical loan application from filling in the form to being presented with a loan offer takes around 5 minutes.

What is the eligibility criteria?

To use our payday loan matching system you must be at least 18 years old and be a permanent resident of the United Kingdom. You must have a valid mobile phone number and email address also as these will be used to confirm your details and confirm your acceptance of the loan agreement (should you be offered a loan). You will also need to hold and maintain a UK bank account as this is where your loan funds will be sent and also where your repayments will be taken from. You must also be in regular employment.

How do I go about repaying my payday loan?

The repayment terms and structure will differ based on the lender you're matched with, the loan amount and the terms of the agreement you've specifically requested during the application process. The date and amounts of the specific repayments will be clearly laid out in the loan agreement. All repayments on all loans are taken automatically debited from your bank account using a processed call the continuous payment authority meaning you will not need to manually make payments each month.

Why Use

  • Borrow up to £2,500
  • Fast Cash Transfer
  • Cash for Any Purpose
  • Top UK Payday Lenders
  • 24/7/365 Service
  • Quick Application Form
  • On Screen Decision
  • Cash to Your Bank
  • No Hidden Fees or Charges
  • 3 Month Loans
  • No Obligation Quotes
  • Bad Credit Possible
  • No Paperwork
  • Secure SSL Technology
  • 100% UK Service

Read to apply for your Payday Loan?

How Can Omacl Loans Help You?

We Understand Our Customers

We know how stressful it is to be in stuck in a difficult financial situation. At Omacl Loans, we’re aware that our customers often come to us during challenging times. Whether you’re struggling with your cash for the first time, or you’ve had issues in the past, we aim to deliver the same simple and streamlined experience to everyone.

Our service is designed to support people with positive, and poor credit histories alike. We believe in equality for all of our consumers and hope to be your helping hand in difficult times. Whatever your circumstances, Omacl Loans will put your needs first, without discrimination. Everyone needs a little help sometimes.

Customers Come First

We believe in putting our customers first in everything we do. Our operations are built on solid principles for treating customers fairly and delivering valuable experiences. Our service aims to respond to the needs of real customers in the financial industry, and we take the feedback we receive very seriously. Omacl Loans makes applying for short-term finance quick and simple, so you can move on with your life.

We’re also committed to partnering only with the most reputable lenders, who share our commitment to treating customers fairly at all times.

Quick and Simple Solutions

We built Omacl Loans to simplify lending.

Our business is designed to deliver safe, secure, and reliable borrowing experiences to customers in any environment. We constantly strive to deliver the best possible experiences, and our website is always updating to respond to your needs. With Omacl Loans, you can apply for short-term funds in minutes, without compromising on reliability, cost, or security.

Data security is something we take very seriously, and we are fully committed to keeping any information shared with us as safe as possible. You can see our secure application form here and get started straight away.

Why Apply with Omacl?

We’re proud of the simple and convenient lending solution we’ve built at Omacl Loans. Our brokerage service helps thousands of customers to find fast funding when we need it most. More importantly, we always put your needs first. Omacl offers:

  • A quick and easy application process online
  • Instant on-screen decisions
  • Flexible loans up to £5,000, for any purpose
  • Reputable lending partners

We’ll always do our best to match you to a lender suited to your specific needs when you apply for a loan through Omacl Loans.

How Does Omacl Compare?

Why Use Us?
How much can I borrow?
Up to £5,000
No hidden fees
Chance of getting approved?
High approval
What are the repayment terms?
1 - 36 Months
No paperwork.
How do I apply?
Apply Online
2 min Application
Do I need to pay back a lump sum?
Easy repayments

Finding Financial Advice

Independent Financial Advice

The UK government offers valuable resources to people struggling with financial management. The Money Advice Service is available for anyone to access for free and impartial guidance. Here, you’ll find a variety of resources designed to support you in improving your finances. You can also access budget planners and calculators to assist you in managing your cash.

Advisors linked to the Money Advice Service are available to discuss your issues via phone call, web chat, and WhatsApp. We fully recommend seeking advice here if you have a financial issue.

You can also find additional support and guidance within the Financial Advice page of the Citizen’s Advice website. The Citizens Advice website is a useful resource in helping clients to navigate all kinds of issues with debt and money management.

Debt Help and Advice

If you’re concerned that you may be struggling with debt, then you can find guidance and support from the UK charity, StepChange. The StepChange website offers free advice and guidance online, with completely impartial and objective information. You can request advice that’s specific to your needs, and have solutions recommended to you. This organisation has helped over 5 million people to deal with their debt issues since 1993, with support for everything from bankruptcy to debt management planning.

The National Debt Line is another valuable service recommended by Omacl Loans. This debt charity also provides impartial and free advice on how you can handle debt. The website is packed full of useful guidance, and personal advice is available through webchat and telephone conversations.

Treating Customers Fairly

All registered firms with the FCA (Financial Conduct Authority) are required to demonstrate their commitment to treating customers fairly. At Omacl Loans, we adhere to the TCF policy carefully, as to any lenders that we partner with. We are fully committed to helping our customers gain quick and secure sources of funding.

Omacl Loans will always be fair, honest, and transparent in our brokerage efforts, and the lenders we work with follow similar standards. We will always work diligently to deliver the best experiences to our customers.

Our Promise

At Omacl Loans, we promise to work our hardest to provide you with access to secure, simple funding that meets your financial needs. At the same time, we will always endeavour to deliver an experience that is honest, fair, and transparent. The lenders we work with are highly reputable and regulated to the highest standards.

Our lending partners also follow the Treating Customers Fairly guidelines of the FCA. We promise to always do our best to deliver the best service to you based on your unique needs, and our website is designed with that in mind.

Warning: Late repayment can cause you serious money problems. For help, go to