Warning: Late repayment can cause you serious money problems. For help go to moneyadviceservice.org.uk

Late repayment problems. For help go to: moneyadviceservice.org.uk

Need a Payday Loan Alternative?

Looking for a Payday Loan Alternative?

£100 to £5000 from United Kingdom Loans

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Get Cash Fast!

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Quick Payouts

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3 – 36 Month Repayments

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Get Paid Today!

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Online Instant Deposits up to £5000

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No need for Payday Loans!

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Fast Online Approval

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 High Approval

Representative Example: Borrow £1000 for 24 months. Annual interest rate 70% (fixed).
24 equal instalments of £77.48.  Total amount to repay £1,859.52. Representative 97% APR.

Representative Example: Borrow £1000 for 24 months.
Annual interest rate 70% (fixed).
24 equal instalments of £77.48.  Total amount to repay £1,859.52. Representative 97% APR.

Need an alternative to Payday Loans?

United Kingdom Loans provide quick loans which are an alternative to payday loans. We have been established in the unsecured loans sector for several years and bring with us years of experience in supporting customers to access short term lending without the need for payday loans. Whereas payday loans typically require borrowers to repay the sum of money lent at the end of the month, or an agreed date which would typically coincide with payday, United Kingdom Loans alternative, creates more space in repayment terms on all fast loan applications. Our repayment frequency ranges from 3 months to 36  months and is therefore a viable alternative for people who need to borrow money quickly. 

United Kingdom Loans payday loan alternative is one option if there is a need to borrow money online. Our links with many of the leading providers of short term and same day loans enables us to facilitate quick loan payments up to £5000. If you are a resident of the United Kingdom, are aged over 18 and have a bank account and a source of income then you will be able to apply for our alternative to payday loans. If you can evidence a capacity to repay the money you have borrowed, then you will have an increased probability of being credited with loan today!

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Why use Payday Loans?

Over the last decade, many people have been drawn into payday loan lending. The ease in which money can be borrowed and the short timescales in which the loan could be repaid led to huge numbers of loan applications being directed towards online payday loan lending. Loan applicants would utilise this form of borrowing in order to get access to money, with the option to repay the loan at the end of the month. Whilst this clearly sounded like a good option, particularly for those people who needed money quickly, many payday loan applicants would borrow money, and then be unable to pay back within such a short time frame.

In some quarters there have been robust arguments supporting payday loans,  but they should only ever be used in situations where the money can be repaid. If a payday loan was applied for and the money was unable to be repaid, then there would be huge interest costs attributed to the borrowing and ultimately credit scoring would be impacted on, due to the potential non-repayment of the debt. United Kingdom Loans offer an alternative to payday loans in the form of quick online loans. We link in with some of the major lenders within the United Kingdom through our online application and as repayment terms begin at 3 months, this is a significant move away from payday loan type lending and creates additional time in order to pay back the money borrowed.

What is the difference between United Kingdom Loans and Payday Loans?

United Kingdom Loans repayment terms are between 3 to 36 months. Payday loans repayment terms will often be around one month. United Kingdom Loans therefore offers more flexibility in terms of the repayment schedule and allows for breathing space when it comes to repaying the money borrowed. As a licensed United Kingdom credit broker we have forged connections with some of the leading providers of unsecured finance and by applying through our quick online application form we can put our customers directly in contact with the leading lenders in seconds. The key difference therefore between United Kingdom loans and payday loans is the fact that a loan that is applied for through our website will have longer repayment terms in comparison to that of a payday

What amount can I borrow?

It is entirely possible to borrow as little as £100 through United Kingdom Loans, but remember, this will not be a payday loan! The key thing to consider is the repayment terms of the individual loan agreement that you enter into when you apply for a loan. United Kingdom loans can support loan applicants to access any sum (up to £5000), from £100 upwards and if you need to borrow a small sum of money around £100, United Kingdom Loans can help; we have a detailed loans guide and frequently asked questions section on this website which provides additional information around applying for loans.

What can I use my same day loan for?

United Kingdom loans accept loan applications from people, irrespective of their credit rating. The loan will however only be agreed by the loan company we match you with,  if you have been able to evidence a capacity to repay the loan. Within our application we ask for income and outgoings and this allows for the loan company we link you in with to assess your capacity to repay. If you are struggling with debt then it is advisable to contact one of the many financial charities, such as step change or the national debt line, both of whom can offer advice and support around financial hardships.

How do I get approved?

United Kingdom loans provides a range of loan options that will enable loan applicants to borrow between £100 and £5000. If you need a small sum of money then this is entirely possible through United Kingdom Loans; in addition to this, we can provide loan applications up to £5000 for those who may need access to larger sums of money. As with all loan applications it is important to ensure that you have the capacity to repay the money and always examine the detail of any loan agreement you will agree with any potential lender you are linked in with.

What questions will I be asked?


One of the key benefits of applying for a loan through United Kingdom loans is our connection with a huge number of lenders within the United Kingdom, all of whom provide short-term unsecured finance to residents of the UK. By submitting your details through our simple application form we automatically send your information to lenders, who will then make a decision based upon the information that you have entered onto your application. One of the key advantages therefore is the breadth of lenders that we are able to connect you with, which will ultimately increase your chances of being applied for a loan!

What is the likelihood of being approved?

This is one of the  the questions we get asked many occasions here are United Kingdom loans! The key thing to consider is, what is your previous credit rating score, have you been declined from loan applications in the past and do you have the capacity to repay the debt that you will potentially be entering into. These are the questions that you need to consider prior to submitting an application, as you will only be approved for a loan if you can evidence that you have the capacity to pay back the money you will potentially borrow. In the event that you are not able to pay back the money, then this could have an impact upon your credit rating and adversely impact future loan applications or credit agreements. Although United Kingdom Loans accept loan applications from people, irrespective of their credit rating, this does not automatically culminate in loan approval, as the credit rating will always need to be factored into any loan application decision.

I need more information, where do I go?

If you have made the decision to apply for United Kingdom Loans, payday loans alternative, then you will need to work out how much money you would like to borrow. Remember, with United Kingdom Loans, we can help you to access between £100 and £5000 and we provide a suitable alternative to payday loans. Our repayment terms are flexible and range between 3 and 36 months and these will be agreed by the lender you are connected with. Ensure you enter the correct details on your loan application and always liaise directly with the lender you have been linked with. If you have any questions you can contact us directly through our website, or through our Facebook page and we will be only too happy to help.
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United Kingdom Loans is a trading name of Rhumsaa Finance Limited.

Registered Address: Newport House, Newport Road, Stafford, Staffordshire, United Kingdom, ST16 1DA Company Registered Number 11508489 | Financial Services Register Number 843158 Rhumsaa Finance Limited is an Introducer Appointed Representative of Nouveau Finance Limited. Nouveau Finance Limited is authorised and regulated by the Financial Conduct Authority, entered on the Financial Services Register under reference number 727348, and licensed by the Information Commissioner’s Office under reference number Z3624187. 

If you are struggling with debt then you may want to contact Step Change or National Debt line for help and support, Step Change and National Debt Line


* If a lender match is made, an application may still be subject to credit checks and affordability assessments in line with responsible lending.

United Kingdom Loans does not make credit decisions and is not a lender. United Kingdom Loans introduces customers to Nouveau Finance Limited, who match customer’s loan applications with lenders on their panel based on the information you provide. United Kingdom Loans may receive commissions for introductions. This website does not directly endorse a particular product or service. Information on our website should be taken as opinion only. Loans for UK based customers only. Loans are subject to status and satisfactory affordability checks. Over 18’s only. Default charges may apply if you do not repay on time. Short term loans are not suitable for longer term borrowing needs.

Consumer Advisory:

United Kingdom Loans is a loan matching service. This website will submit the information you provide to a direct lender. Upon a loan approval, a direct lender may require further information from yourself which will be collected after we transfer you to their website or they may contact you via phone or email or both.

Auto Decisioning

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

Non Payment Implications

The implications of non-payment of your loan could include adverse details being included in your credit report. This could adversely affect future attempts at securing credit or finance, in additional to further charges potentially being added by the lender. Where you miss a payment entirely, you will often incurr a charge / fee that will be added on to the total amount that you owe. Upon a missed payment, lenders will often try to contact you by telephone or letter in order to recover the funds and they may be able to arrange a new repayment date with you. If you are struggling, or think there is a possibility that you will not be able to meet repayments, Rhumsaa Finance strongly recommends that you contact the lender in the first instance.