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

The fast and easy way to apply for UK payday loans online

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%
Payday Pixie 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.

Payday Pixie does not provide any loan or consumer credit products directly, we are a licensed credit broker and not a lender.

Why Choose Payday Pixie?

Welcome to Payday Pixie! We help thousands of individuals each week receive instant payday loans. We pride ourselves on being an uncomplicated and reliable way to receive the quick money you need. Here at Payday Pixie, we understand how overwhelming it may feel when faced with financial strains, no matter how big or small. That is why we will help you every step of the way to select the most dependable and affordable loan you need. Unlike some other financial service websites, we ensure that our customers are in full control of their pay day loan. You will be able to decide the exact amount of money you want to lend, and how long you want to borrow it for. By using our leading lending platform, we are able to quickly find you the best short term loan providers in the UK to choose from. If you are currently struggling with more serious financial problems, please visit moneyadviceservice.org.uk for free impartial advice and support. You can simply fill in our 5-minute application to apply online with us today. .

  • 5 Minute Online Application Form
  • Cash Transferred in 15 Minutes**
  • Instant Approvals Online
  • No Hidden Fees or Charges
  • Lowest Possible Interest Rates and APR*
  • Flexible Borrowing and Repayment Terms
  • Safe and Secure way to Apply
Apply Now

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 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!

What are Payday Loans UK?

Payday loans are small personal loans aimed at people who need small cash advances for a short period of time. Typically used for immediate expenses and unexpected outgoings. Borrowers are able to pay back in full by their next payday. Hence why they acquired the name ‘payday loan.’

They are considered an alternative to setting up large overdrafts, or securing large loans.This is because they are a lot easier to set up. Thanks to the cap of £2000, our loans are much smaller than traditional installment loans.

Here at Payday Pixie, we commit to providing short term loans that are simple, fast, and accessible to many. We understand that even with good financial planning, your household could face unexpected bills.

Here are some of the common problems that we see people face:

  • Car Break Down
  • Boiler Break Down
  • General Living Costs
  • Unexpected bills

Because we understand your needs, we have made it easy to apply, and you get instant confirmation of your eligibility. Once you have selected a loan agreement, you can have anything between £50 – £3000 in your bank account as quick as 15 minutes**.

The process is simple, you choose how much you want, and when you can repay the loan. We then broker a deal with the lenders and you will be offered an agreement. All of this happens online and gives instant results.

payday loans uk direct lenders pixie

You can apply for a payday loan online from anywhere in the UK

Fast Cash Transfers

Our free and fast service means that you can apply for a loan and receive an instant approval. The online form takes just 5 minutes to complete and once you have accepted an agreement, the money is transferred to your bank account. This normally takes no longer than 15 minutes**.

No Hidden Charges

Our service is completely free, and there are no hidden charges. When you use our application form, there’s no need to worry about additional fees.

There’s absolutely no charges for using our service, even if you’re unsuccessful. Moreover, you are not under any obligation to a loan, until you have filled out and signed the loan provider application form.

We use the latest technology

We are using SSL certificates and secure methods to process your application. This is connected to our Monevo lending panel, which provides you with instant, free, online decisions about your payday loan.

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.

Join our growing community

Here at Payday Pixie, we have helped thousands of people every week to receive additional funds quickly. There’s no need for face-to-face bank meetings, and you get instant results from our online application process.

You can rest assured that our expertise within the payday loan industry will help you out of a tight spot, and back on track. We provide many articles on managing finance, and help you to improve your credit over time.

What happens if I can not pay my payday loan back?

iphone being held with paydaypixie.co.uk on screen

When looking into taking out a payday loan, it is strongly advised to check your accounts and make sure that you will be able to pay back the loan. You can do this by calculating your monthly income, and check to see that enough is left over after bills and living costs to make your regular repayments.

Unfortunately, if you are not able to adhere to the repayment policy you agreed to with your lender and fail to meet the repayment on time you can be charged a default late payment fee of up to £15. You can find out how much of a late charge you will be charged in your loan agreement.

If you are unable to repay your loan on time, this information of failure to pay or late payment may be sent to a credit rating agency and have a consequently negative impact on your score. If you are concerned that for any reason you will not be able to make your timed payments, you should contact your lending provider as soon as you can.

You could also visit the free support site MoneyAdviceService.org.uk. which was created by the government to offer you impartial finance advice.

What happens if my payday loan application is declined?

Payday loan providers can sometimes be reluctant to approve you for a payday loan if they feel that you might struggle to pay the loan back. They will decline applications to protect the customer from debt if they believe that they will not be able to make the necessary repayments on time or at all. Some reasons that your application may be rejected could be due to you being unemployed as the lender will not have a payday guarantee that you will be able to pay them back, you have already taken out numerous payday loans, or you have a bad credit rating.

However, some loan providers will still agree to give you a payday loan if you have bad credit, so it is still possible to be granted a bad credit loan.

If your loan is declined, we may be able to still provide you with with alternative money solutions, depending on your circumstance. Some other financial options you may want to consider are:

Credit Cards. If used well, credit cards can be an effective way of spreading costs. However, they need to be used carefully or you could find yourself in more debt that you cannot pay back. Make sure you are made fully aware of your banks terms and conditions on the credit card.

Loans from a Guarantor. This is an secured way of borrowing money which involves a second person acting as your guarantor. Almost anyone can act as your guarantor, they will need to be over 21 and have a good credit history. However, if you are unable to repay your loan it will be the person who acted as a guarantor who will be responsible for repaying the loan in full.

A Credit Union. You will first have to join a credit union by becoming a member. They will accept deposits for low interest loans. Usually the cooperative community organisations are joined due to a common bond such as all working for the same employer or living in the same area. They do not run for a profit.

A Logbook loan. This is where you can transfer the ownership of your vehicle to a logbook lender to secure your loan. When your loan is repaid, the logbook loan owner will give you back your vehicle.

If you are interested and want to understand these alternative methods of borrowing money please visit MoneyAdviceService.org.uk. which will provide you with unbiased advice.

How do pay day loan repayments work?

Before accepting a lenders application, make sure you are happy with the outlined repayment schedule. Repayments are usually agreed to be repaid either through direct debits or via a recurring payment.

Your repayment schedule should include the total amount of loan taken, in addition to the interest on that loan. It is dependable on the loan provider, but generally your payments will be divided into equal amounts over the repayment time.

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Can I repay my loan early?

Yes, most payday loan lenders will allow you to contact them and pay your loan off earlier than scheduled. Some people prefer to do this if they are able to, because it means they will save money by clearing their debt earlier, as your lender will only charge you for the interest for the amount of days that the loan has been open for rather than the full period of interest.

The majority of lenders will not charge for a fee for early repayments, however we advise that you should always thoroughly look through your contract before you enter an agreement with a direct lender.

Who are payday loans direct lenders?

A direct lender is someone who will directly provide the funds to the individual that is applying for a loan. A payday loans direct lender is responsible for transferring you your money, providing you with your loan agreement and also arranging loan repayment dates and loan term agreements. By applying with a payday loans direct lender, you will only be applying with that one lender. By using comparison websites and other brokers you are applying with multiple direct lenders and as a result are increasing your chances of getting approved for a payday loan.

As one of the leading loan broker websites in the United Kingdom, we work with some of the best direct lenders throughout the country. These are the companies that will lend you the money, and take your repayments.

Whilst some prefer to go directly to lenders, there is a major advantage to using our service. The main benefit is that we provide you with multiple loan agreements to choose from. This ensures that you’re going to find the best possible deal, without filling out forms for every website that you want to check.

Our simple and easy to fill out form takes just 5 minutes, and will provide you with many different loan agreements to choose and sign.

How to apply with Pixie Loans online

We believe that we should only ask our customers to fill in one, easy to complete application form. We successfully strived to make the application process for payday loans one of the quickest and easiest in the UK. It takes just 5 minutes to complete our online application form, where we will ask you for your address, bank and employment details.


After this our leading lender matching technology Monevo will take over and instantly report back to you the lender who can provide you with a loan that is suited to your needs. Unlike many other loan broker companies, we do not require paperwork such as bank statements or loan guarantors to be able give you an instant response to your criteria. For further information on the application process you can visit our how it works page.

Do you offer bad credit loans?

Yes, we offer loans for people that have bad credit. Whilst this may be a barrier for some loan types, small sum, short term loans are unique.

Why not visit our bad credit loans page for more information.

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Can i apply for no credit check payday loans?

When applying for a payday loan, there are certain information that lenders need to help make a decision. Payday Pixie will not carry out any form of credit check that may harm your credit rating, however lenders that we work with may choose to carry out a credit check when you are applying for a payday loan.

Some lenders base a decision on other personal information that will help them decide if you are suitable for a loan. No credit check payday loans for bad credit histories are quite hard to find, the reason being is that if you have a bad credit history, the chances are that a lender will want to dig a little deeper into your history to find out if you would encounter any problems when it comes to repaying your loan.

You can find more information on our no credit check loans page.

What is the difference between a payday and installment loan?

Instalment loans are widely known by the fact they are paid back in equal installments each month to the lender. The repayment schedule is finalized before the beginning of the loan. Generally, installment loans offer more money than a short term solution.

Payday loans on the other hand are made up of money that is offered in smaller amounts and paid back within a shorter duration. It offers a prompter way for people to borrow money when in need and the individuals are even able to pay back the payday loan early if possible which means they can save on interest.

Our Promise

We promise to be upfront and transparent about any terms and conditions. We never have, and never will, charge any fees to our customers.

Our company Payday Pixie is dedicated to ensure lending is responsible and uncomplicated, with you always in control. It is for these reasons that Payday Pixie is continuing to grow as the UK’s favourite loan service.

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