Going direct when looking for a short term loan option can help you quickly get the funds you need. With our direct loans here at QuidMarket, we are in control of the approval process and we also lend our own money. No brokers or third party lenders are involved in the process, just direct loans through us using our convenient online application. As we make our own lending decisions, it means we can help many more people get a loan no matter their current credit rating. Whether you have good or bad credit, we are in a position to offer direct loans in the UK that will help make a difference for you.

  • 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
  • We are an FCA Authorised responsible lender
  • We’re a direct lender, not a broker
  • No hidden fees charged with our loans
  • Quick and easy online loan application
  • Human lending decisions, not computer ones
  • No guarantor or collateral needed
  • Bad credit applicants welcome
  • Receive the cash the same day as approval

*Loan amounts and repayment terms are dependent on affordability checks

If you’ve been searching for direct lender loans in the UK to help you out of a short-term financial position, click apply now. If approved and you pass our affordability and credit checks, you could have the funds to use within 10 minutes of signing your loan agreement.

How much do you need?

£300 £1500

For how long?

Apply Now

Month 1


Month 2


Month 3


Month 4


Month 5


Month 6


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.

Our Direct Lender Loans

Once you’ve used a direct lender, you’ll understand how quick and easy borrowing money can be when you’ve used a trusted company like ourselves. It’s the reason why thousands of customers have used us already, with many becoming returning customers in the process. Getting direct loans means less time spent looking for the right choice. When using a broker, for example, you’ll need to review multiple lender offers at once with many being similar to others. This can make coming to a decision difficult if you’re unsure. Whilst it’s true there are plenty of online direct lender loans in the UK to choose from, not all will be looking out for your best interests. From charging hidden fees to high-interest rates and more, some direct lender loans may take advantage of your position, especially if you want a loan in a hurry.

At QuidMarket, we believe you shouldn’t rush into anything, especially a loan agreement. A considered choice is always wise, ensuring you know everything there is to know about the direct lender loans before proceeding. We follow responsible lending guidelines as set out by the Financial Conduct Authority (FCA) and are FCA approved, licence number 677995. When using our service to find direct loans in the UK, you can rest assured we provide a trusted online service.

Find Direct Lender Loans in the UK That Treat You Fairly

It can be hard to believe there are some lenders out there looking to take advantage of those needing money when the unexpected occurs. A financial emergency can happen to anyone, and whilst it is a good idea to have an emergency savings fund that you regularly pay into, sometimes this isn’t always possible. Maybe you need more than what you currently have in savings or that your available credit can cover. Whether a large repair bill is due for your car that you need to pay quickly, or even a boiler failure during the winter months, having the option of direct loans in the UK that provide the flexibility you need will come as a welcome option.

There are many direct lender loans in the UK that will see your need for quick cash and charge a premium for it. They may also charge hidden fees that are deep in the terms and conditions. Our policy at QuidMarket has always been putting our customers first as a priority. All the information you need to make an informed decision is transparent with us. You will see how much the loan will cost including any charges and interest before signing your agreement. We always encourage customers to fully understand the terms and carefully read their pre-contract agreement before proceeding. We’re even happy to talk you through anything you are unsure about by contacting us directly.

Whatever your reasons for needing direct loans in the UK, we can help you and there is no minimum credit score needed to apply. We understand even those with a low credit score need financial help in an emergency, so there is every chance we can approve your loan despite having poor credit.

Eligibility for Direct Loans in the UK

To apply today for direct loans with us, you’ll need to meet the following eligibility criteria:

  • Current UK resident
  • Over 23 years old, and under 65 years old
  • Have a mobile phone (we send an SMS code during your application)
  • Hold a UK bank account with a valid debit card (we run a verification check that takes 1p)
  • Be employed and take home at least £1,300 a month.

Meeting the above doesn’t guarantee your application will be approved by us, but it will mean you can start your application by clicking apply now and seeing what we can do. We’ll take the time to fairly assess your finances, so it is important you are as accurate as possible with the details you provide us with. A full credit check will be required as well as an affordability assessment to ensure you can afford the loan you want.

Once all checks have been complete and you’ve read and signed your pre-contract agreement carefully, your loan will be approved. We will then process the payment directly into your bank account. If all goes well, this process can be extremely quick with some customers receiving the funds within 10 minutes of signing their loan agreement thanks to using faster payments.

Apply Now for Direct Lender Loans in the UK with QuidMarket

If you’re ready to see what we can for you with direct lender loans in the UK, start your application today and we can provide an agreement in principle quickly. We hope you’ll find the experience using QuidMarket convenient and simple, but if you do have any questions at all, please don’t hesitate to get in contact with the team.

Whether you want to learn more about us or would like more information on direct loans in the UK, we are here to help. You’ll find further help and advice here on financial matters as well as answers to common questions in our FAQs.

When searching for loans, there are two methods that you can use – a direct lender or approaching a broker. With a broker, they act as a third party to source the best loans for you, potentially have access to exclusive deals, and contact lenders on your behalf. With direct loans, there is no middleman, so you can approach the lenders yourself. This means that you can ask questions directly and do your own research to find something that works for your needs. QuidMarket are short term loans direct lenders, so we will work one-on-one with you to offer a cash solution for any unexpected situations. We pride ourselves on our approachability and human touch, so we are always willing to answer any questions you may have.

At QuidMarket, we are constantly striving to help hardworking people secure the cash they need when they need it most. This means that we offer direct payday loans to those with bad credit, past defaults or CCJs, and will thoroughly check to make sure you are able to afford repayments. We base our lending decisions on your affordability rather than your credit history, so we are able to offer our direct lender loans to people in a variety of circumstances. We take your monthly income, essential outgoings, and other financial commitments into consideration to determine whether you will be able to sustainably afford the monthly repayments. We have our customers’ best interests at heart, so if we felt as though you may struggle, we would need to decline your application for your own wellbeing. However, we will perform detailed checks before making any decisions.

In order to make our direct payday loans sustainably affordable for every customer, we offer tailored quotes based on your unique financial situation. The amount you repay will vary depending on the loan term you choose, so you can use the handy loan calculator tool on our homepage to work out an estimate of the costs for the exact loan you need. You can also rest assured that as online loans direct lenders, we follow the FCA’s guidelines on costs for short term loans, meaning you will never pay more than 100% of the original loan amount. We are always as transparent as possible with our direct loans, clearly laying out the full cost of your loan with no hidden fees or extra payments.

Warning: Late repayment can cause you serious money problems. For help, visit: www.moneyhelper.org.uk