At QuidMarket, we understand that when you find yourself in a financial emergency, you need funds as quickly as possible. Being able to rely on online loans direct lenders is essential to ensure you receive the support you need when you need it most, so we are always happy to try and help you as best as we can. We are short term payday loans direct lenders, providing a quick lending experience without the need for brokers. We value your time, so we provide an efficient service with a personal approach that could provide you with the funds you need in a few hours, depending on when you apply. To see how we can help you as direct payday lenders in the UK, find out more on the rest of this page.

We offer short term direct lender loans in the form of an alternative to payday advance loans. We allow new applicants to borrow between £300 to £600, and returning customers may be able to borrow up to £1,500. This is to be paid back with interest over a period of 3 to 6 months, which allows you the flexibility to choose a repayment plan that suits your current finances. If you are looking for a short term finance option that could be easier to manage than other loans, we may be able to help as direct lenders in the UK.

  • FCA authorised, responsible lender
  • New customers can borrow between £300 and £600*
  • Returning customers may be eligible to borrow up to £1,500*
  • Flexible repayment terms between 3-6 months
  • No hidden fees
  • No guarantor required
  • Bad credit applications considered
  • Quick and easy applications
  • Decisions made personally by humans, not computers

*Loan amounts and repayment terms are dependent on affordability checks

How much do you need?

£300 £1500

For how long?

Apply Now

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This is for illustration purposes only. Your repayment schedule will be confirmed during your application

*All applications are subject to affordability checks*

Representative example: Borrow £300 for 3 months / Interest payable £154.37 / Total amount payable: £454.37 in 3 instalments / 3 payments of £151.46 / Representative 1296.5% APR / Interest rate 292% per annum (fixed) / Maximum APR 1625.5%

Compare short term loans on Clear and Fair

As a new customer the minimum repayment period is 3 months and the maximum is 6 months. Additional options may be available to you as a repeat customer.

What Are Online Loans Direct Lenders?

A direct lender is a company that provides instalment loans for individual borrowers without the need for brokers or any middlemen. This means that you can apply directly and receive a lending decision without a third party. While this may sound like an attractive option, if you choose to search for direct lender loans, it is essential that you do your research and take your time in finding a lender that is right for you. You should make comparisons between lenders, rather than applying with the first short term loans UK direct lender you find, and use online calculators to find the best deals.

Are QuidMarket Bad Credit Online Loans Direct Lenders?

At QuidMarket, we are proud to help hardworking people in a range of financial circumstances. We take a personal approach to our checking process, so we do not rely on automated responses. Instead, we take the time to review your monthly income, essential outgoings, and any financial commitments to check your affordability. This means that as bad credit loans direct lenders in the UK, we may be able to help you. No matter if you have a poor credit score, past defaults, or CCJs, if you are able to afford the repayments on your loan, we could provide you with the funds you need.

What Are The Advantages & Disadvantages Of Using Direct Lenders In The UK?

Applying for a cheap loan with direct payday lenders in the UK can mean that the process is fairly simple and straightforward. Many direct lenders have websites that you can easily access, with plenty of information about the types of loans they offer and an application form for quick submission. You will also be able to have full control over which loan companies your details will be submitted to, as you are the one in command. You can decide which lender you would like to apply to, and which do not meet your needs.

Applying with direct lenders in the UK also allows you to have immediate contact. This means that you will be able to ask questions and address issues, or even negotiate a better deal. You will not need to go through a middleman to try and find the answer you need, so it can be a much more efficient option. It also means that your chosen lender can contact you if necessary.

However, the process of finding a lender that suits your needs can take time, especially if you are in a difficult financial position. If you don’t have the time to dedicate to searching, you may need to consider another option.

What Are The Advantages & Disadvantages Of Using A Broker Service?

While applying with a short term loans UK direct lender may seem like an attractive option, there are a few advantages to brokers to consider before submitting your details. Firstly, by using a broker service, you may be able to find the best deals. Many broker services partner up with panels of lenders, so they may be able to provide more affordable deals than if you chose to find your own short term payday loans direct lenders. This also means that brokers can do a lot of the hard work for you. Searching for a direct lender that offers exactly what you need with eligibility criteria to fit your circumstances can be time consuming, but that is what a broker is for. They will browse lenders and find those that can help, so that you can continue with your daily routine as normal.

However, you may find that some brokers charge for their services, which is an additional cost on top of the loan. It is essential that you check your affordability and your chosen broker’s pricing before you ask for their help in order to avoid further financial difficulties.

If you need any more advice about direct lenders or brokers, please seek impartial help from the Money Advice Service.

Eligibility For Our Direct Lender Loans

As bad credit loans direct lenders in the UK, we aim to help as many people from a variety of financial situations as possible. However, before you apply with us, it is key that you meet our eligibility criteria to avoid damaging your credit score. You will need to meet the following requirements:

  1. You are aged between 23 and 65 years old
  2. You are a resident of the UK
  3. You have a current UK bank account and an attached debit card
  4. You are in employment with a take home salary of at least £1,300 per month

If you meet these requirements, we can begin the application process, starting with our online application form. Every application is subject to affordability checks to ensure that you will be able to make the monthly repayments, and we take the time to personally conduct these. As part of your application, we will run your details through Credit Reference Agencies and Fraud Prevention Agencies, so please make sure that you fill the form out carefully to avoid mistakes that could slow the process down.

We never like to turn applicants away from our direct lender loans, but if we feel that you would struggle to meet repayments, it would be necessary to help you avoid any further financial difficulties. Missing repayments have to be recorded on your credit file, which is the same with any form of credit, and this can make it more difficult to be approved by future lenders.

Choose QuidMarket As Your Direct Payday Lenders In The UK

By choosing QuidMarket as your online loans direct lenders, you can be confident that you are in reputable and safe hands. We have made the application process for our loans quick and easy so that we can take the time to evaluate each submission to ensure your affordability. If we didn’t believe that you could meet repayments, we would not approve your application for your own wellbeing, so we always have your best interests at heart.

If you have any questions about our loans, feel free to pick up the phone for a chat. Then once you are ready, you can apply for our help and get the cash you need without any hurdles. If you need any more financial support, please visit the Money Advice Service for free and impartial help.

Yes, we are a direct lender who does not use third party providers to lend money. All loans are through us, and this means we control the decision-making process. This allows us to provide many more people with the opportunity to apply for a loan and get the money they need in an emergency. We use a team of underwriters instead of automated lending, considering applications from those with good or bad credit.

Depending on what you need and your requirements, a broker service will show you multiple lender offers in one place. However, this will usually come at a cost involving a referral fee and a broker does not lend money themselves. Through QuidMarket, you can find the exact loan you want and apply online for a quick decision without having to review multiple options. We do not charge a fee upfront and there are also no hidden fees involved. This is because we are transparent with our loan terms so you know exactly how much a loan will cost.

No, we do not require applicants to provide a guarantor as part of an application. You will be able to apply as a sole applicant even with a bad credit history. This however does not guarantee we can provide you with the loan you are looking for, so you will still need to prove you can afford the loan.

If you miss a repayment or feel you will not be able to ensure an upcoming repayment is made on time, you will need to contact us as soon as possible. Whilst we do not charge you a late payment fee, this could still impact your credit rating and cause you to fall into arrears. If you feel you will have difficulty maintaining repayments consistently, please contact us as we are willing to help where we can.

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