Receive a £50 - £2,500 Payday Loan by 10:41pm

Super fast loans for 3 - 18 months

How much would you like?


UK Based Lenders

100% Secure Site

Same Day Transfer

24 Hour Service

Representative 305.9% APR

Representative Example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable). Representative 305.9% APR. We are a broker not a lender. We don't charge fees. We don't sell your personal information.

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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 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 and your score is not negatively affected like with some lenders.

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.

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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
  • Instant 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
  • No Credit Checks
  • No Paperwork
  • Secure SSL Technology
  • 100% UK Service

Read to apply for your Payday Loan?

What Our Payday Loan Customers Say

Omacl made getting a short term cash loan quick and easy. Their application form is one of the simplest out there and I got the cash in 20 minutes!

Steve, Cambridge

Omacl are an excellent loan broker. They matched me with a well known UK payday loan company within seconds. Now I can pay my gas bill finally!

Lucy, Newcastle

There are lots of short term cash lenders out there but Omacl is definitely one of the fastest and easiest services I've ever had the pleasure of using.

Shane, North Wales

When it comes to finding a payday loan there is really nobody better than Omacl. I borrowed £2,500 and had it in my bank within 30 minutes. Superb service, highly recommended.

Chris, Reading

How Does Omacl Compare?

Why Use Us?
How much can I borrow?
Up to £2,500
No hidden fees
Chance of getting approved?
High approval
Is my credit record affected?
No credit footprint
How long do transfers take?
15 Minutes
Instant Cash*
Do I need to pay back a lump sum?
Easy repayments