Direct Lender Payday Loans

£100 - £5,000 paid out by 09:51pm

How much would you like?

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).

Direct Payday Loans Offer Immediate Access to Cash

Among the many finance solutions available to UK consumers, direct payday loans serve short-term funding needs. The flexible lending opportunities offer small amounts of money, without the administrative delays associated with traditional bank loans. Direct payday loans are a good choice when

  • you need money right away,
  • your credit history doesn’t measure up to conventional lending standards,
  • payday is not far away,
  • a relatively small loan is enough to address your financial priorities.

How much would you like?

Apply Now

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). 

Utilising Direct Payday Loans

Each financial challenge is unique, so flexible online loans provide adaptable solutions, helping users overcome diverse financial obstacles with no credit check. Because direct payday loan usage is not restricted, you can establish your own spending priorities and apply loan proceeds as you wish. Flexible online funding is frequently utilised for spending concerns such as:

  • Education – The true cost of higher education rises well beyond the price of tuition alone. Although UK student finance provides tuition and maintenance loans for university enrollees, student families commonly require additional resources, managing the overall cost of attending. Earning academic credentials pays off in the long run; you’ll earn a higher salary with a degree. But successfully navigating the cost of higher education not only requires money for course fees, but also for accommodation, food, books, travel, entertainment, and incidentals. Direct payday loans are limited to £2,500, so they won’t pay your entire tuition bill. But the fast, flexible funding is well-suited for various university expenses.
  • Updates and Replacements – From personal electronics to kitchen appliances, things you own may require updates and replacement. Direct payday loans and other short-term resources can be utilised to upgrade your mobile, replace worn flooring in your house, or get a new telly when your picture fails. Loans are available for as little as £50, up to £2,500, for substantial updates.
  • Cost of Living Increases – Just when you’ve worked out your monthly budget, living costs on the up can leave you short of money. With payday ahead, cost of living increases can strain cash flow, calling for a short-term fix. Direct payday loans offer flexible relief, allowing you to manage rising costs as you rework your spending budget.
  • Car Repairs and Maintenance – Personal transportation is an ongoing expense, requiring cash flow for repairs and maintenance. Above and beyond the original purchase price of your car, the cost of repairs and routine maintenance stands with insurance cover, petrol, and parking, adding to your monthly motoring expenditure. General upkeep should be anticipated, but predicting the cost of car repairs is next to impossible. When your car leaves you stranded on the motorway or your garage recommends repairs, direct payday loans and other rapid resources can help you keep your car performing as it should.
  • Household Bills – Month after month, household bills offset personal earnings, establishing your financial flow. As long as your employment income exceeds expenditure, your budget is sustainable. But when financial demands outpace earnings, you may benefit from a short-term loan to pay your bills. Obtaining direct payday loans requires consistent income, so your employment status and pending paycheck may be the only qualifications needed to secure quick cash. Whether you’ve overspent during the month or been caught off guard by a bill you didn’t expect, short-term online loans offer a financial safety net, allowing you to stay current with your monthly bill payments.
  • Health Care – Many medical expenses are accounted for by the National Health Service, but a personal illness may also generate out of pocket spending. You can’t put a price on your own well-being or the health of friends and family members, so medical investments are justified. But surprise health care costs don’t always align with your budget, pressing the need for short-term financial relief. Among other short-term functions, direct payday loans deliver supplemental financing for urgent medical conditions, helping caregivers and patients manage health care costs.
  • Lifestyle Shifts – Life is a work in progress; financial needs frequently change as conditions evolve. At each personal crossroads, added expense can strain your financial flow. Is your family growing? A new baby changes your financial outlook, requiring additional resources for your expanding household. Are you moving house? The cost of hiring a removal company and getting established at your new location can create a temporary financial shortfall. Will your child soon start university studies? Supporting your children’s educational pursuits can disrupt your budget, calling for supplemental income. When these and other milestones affect your finances, direct payday loans and other short-term funding alternatives offer a financial fallback option.

direct lender payday loan

Follow the Upside to Direct Payday Loans

Unrestricted usage is a flexible feature of direct payday loans, but spending freedom isn’t the only advantage of alternative online funding. Direct online solutions offer distinct benefits, compared to traditional bank loans and other conventional finance opportunities. In addition to accommodating your personal spending priorities, online loans also offer advantages such as:

  • Convenient Online Access – Direct payday loans and similar short-term finance solutions originate online. Rather than visiting bank branches or submitting application materials in person, online access enables you to request funds from your laptop or mobile device. An internet connection is all you need to explore funding alternatives and initiate a loan request.
  • Easy Application – Traditional lenders often require substantial documentation, submitted alongside each funding request. In contrast to the conventional funding sequence, Omacl’s online application can be completed in a few minutes, before submitting your request to a network of top UK lenders.
  • Timely Service – Urgent conditions require prompt financial attention, so payday lenders specialise in efficient finance solutions. Online funding requests are evaluated upon receipt, facilitating same-day service. Whether or not you’re accepted for a loan, you won’t wait long for answers about your finance request.
  • Short Turnaround Times – Traditional loans may take weeks to fund, but online providers understand the need for speed. Qualified applicants receive payday loan proceeds directly to their current accounts – often on the same day they apply.
  • Flexible Loan Terms – There is no call to borrow more money than you need; bad credit guarantor loans are offered in amounts ranging from £50 – £2,500. Irrespective of the amount required to face down your most pressing financial challenges, flexible funding accommodates personal finance needs, without creating an unnecessary repayment burden.
  • Affordable Repayment – Payday lenders rely on your employment status and personal earnings to guarantee repayment. In order to facilitate affordable payback, instalment due dates are aligned with your salary schedule. Under most circumstances, direct loan instalments come due as employment earnings become available, allowing you to meet credit obligations on payday.

What About Credit Scoring?

UK lending regulations require creditors to evaluate applicants’ credit histories, before accepting loan requests. Credit scoring carries a lot of weight at banks, building societies, and other traditional lending institutions, where a low credit score can undermine access to conventional financing.

Direct payday loans offer high acceptance rates, because online lenders utilise a straightforward pre-approval process, centered on evaluating income and employment. Your credit history aside, online providers are concerned with your ability to repay a loan, more than your credit score. With adequate income and consistent employment backing up your funding request, you may qualify for direct payday loans – even if you’re ineligible for a conventional bank loan.

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

High online acceptance rates increase access to short-term finance opportunities – particularly for credit consumers with past problems. Direct payday loans are available for good and bad credit applicants, but a high credit score ensures access to diverse funding resources. Take these measures to establish and preserve a healthy credit score:

  • Spend below your means – Balancing income and outgoings is at the heart of sustained financial health. A small loan can help you recovery from temporary imbalance, but consistent cash flow shortfalls may indicate problems with your budget. For the best results managing money, maintain limits that keep expenditure below your total earnings.
  • Pay your bills on time – Credit reporting agencies track late payments reported by creditors. A single delinquent bill payment is enough to impact your credit score, and a pattern of paying late can result in catastrophic damage to your financial reputation. On-time bill payments keep you in good standing with creditors, giving reference agencies every possible reason to increase your score.
  • Avoid overutilisation – A history of diverse credit interactions and timely payments works in your favour, but overutilisation can have a negative effect on your credit score. In order to limit utilisation and maintain a favorable usage level, draw on financing as needed, without opening unnecessary lines of credit. And when managing personal credit limits, avoid utilising the entire amount allotted by creditors.
  • Check your credit report – If your credit file includes mistakes, credit scoring may not accurately reflect your status. To protect you from errors and omissions, credit reference agencies are required to provide complimentary copies of your credit report every year. Capitalising on the free, annual review enables you to correct errors and update information in your file.

direct lender payday loan

Direct payday loans offer online access to same-day funding. When money runs out before salary day, the small loans deliver enough money to keep cash flowing until payday arrives. Whether you’re managing a financial emergency or just catching up on monthly bills, direct loans are worth a look.

How quickly can the money be in my account?

The application process will only take a few minutes to complete. The decision will be immediate, and if approved the money will be paid out within 60 minutes.

How can I apply for an Omacl loan?

Our entire application process will only take you a couple of minutes to complete. We guarantee to give you an instant decision. If you would like to apply now, the application form is here.

Omacl on the FCA Register

Omacl is a registered trading name of Chojin Ltd and is authorised and regulated by the Financial Conduct Authority (FCA). You can view our registration status via reference number 732880.

Free Financial Advice

If you are struggling with debt or are unable to make your loan repayments, please visit the websites below. All of them offer free, impartial advice.

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