As an online-only direct lender, QuidMarket offers our customers a first-class service for online loans in the UK that is straightforward, accessible, and sustainably affordable. By operating without physical branches in high streets, we’re able to keep our overheads as low as possible and keep the costs of an online loan down for our customers. We’ve created our website to be as informative as possible, telling you everything you need to know about our online loans. Our aim is to help you make the right choices for your finances.

Once you’re sure we offer the best online loans for you, you can apply online.


QuidMarket’s Best Online Loans

  • 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
  • All levels of credit considered
  • QuidMarket is an FCA Authorised responsible lender
  • We’re online loan direct lenders with no hidden fees
  • No guarantor or collateral needed
  • Same day cash transfer wherever possible
  • Apply online quickly and easily
  • Decisions made 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

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 £154.38 / Total amount payable: £454.38 in 3 instalments / 3 payments of £151.46 / Representative 1301.1% 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.



About Our Online Loans in the UK

As online loan direct lenders, we offer short term loans. They are designed to offer hard-working people borrow up to £600, dependent on affordability checks, to cover their short term financial needs. We strive to offer the best online loans for each individual customer and assess every application on a case-by-case basis according to what you can sustainably afford.

The main difference between our online loans and one that you would get from a bank or a lender is that the entire process is completed online – however our teams are available to contact should you have any questions.

Save time: There’s no need to travel into the town centre, find somewhere to park your car or wait in a queue to speak to an advisor. Filling out the application form for our online loans takes just a few minutes.

Fast transfer: Once your application has been approved and you’ve digitally signed your loan agreement, we’ll process the payment straight away. We use Faster Payments, and most customers receive the funds in their account within 10 minutes. This might not be possible if your bank or building society does not process Faster Payments, or if they offer reduced hours such as until 1pm on a Saturday.

Email records: You’ll receive all documents related to your loan, including your loan agreement and records of your repayment plan, straight to your email inbox. Not only is going paperless better for the environment, but it means that if you ever want to look over your online loan documents in the future, they can be found easily.

Nationwide service: No matter where you live, or even if you’re away from home our online loans in the UK are available to all residents of the UK. You’ll need to provide us with your address and a valid UK bank account to pay the online loan into.

Is an Online Loan Right for You?

Using technology allows us to offer the best possible service to our customers. However, there is one important part of the process that is always done manually: every single application is manually underwritten. This is what sets us apart from most online payday loan direct lenders. It means that your application will be reviewed by a trained member of our team, which allows us to offer the best online loans to every customer.

If you have a low credit score, you may expect to find it difficult to be approved for online loans in the UK. However, as online loan direct lenders, we are happy to consider all levels of credit and strive to offer the best online loans fairly and transparently. Our underwriters will assess your application based on whether you can sustainably afford the repayments – we think this is a much fairer way of offering online loans in the UK.

As responsible, FCA authorised online loan direct lenders, we carry out the required credit checks thoroughly to ensure that we don’t approve online loans in the UK that could lead customers into further financial difficulties. We are not able to approve every application, but by using affordability-based decision processes means we are confidently able to approve more customers than we could if based on credit score alone.

You’re welcome to fill out our online loan application form if you meet our straightforward eligibility criteria:

  • Live in the UK
  • 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 in employment and take home at least £1,300 a month


QuidMarket Online Loan Direct Lender: Happy to Help

There are a lot of online payday loan direct lenders operating in the UK, and we want you to be confident in your choice to take out a bad credit loan with QuidMarket. If you have any questions about our online loans in the UK, you might find the answer in our dedicated FAQ page. Alternatively, you can contact QuidMarket and our friendly advisors will be happy to help.

If you’re sure we offer the best online loans for you, you’re welcome to apply online today.

Applying for an online loan with us is completely secure and safe to do. We use encryption technology and a secure connection to ensure your personal data is always kept safe online. This is so you can apply with confidence that only we can see your details. We are a trusted online lender that is authorised by the Financial Conduct Authority (FCA). We are committed to providing our customers with an online experience that is as safe and secure as possible. We will always provide transparency and honesty with your application.

Our online loan application process is as simple as possible to get started with, ensuring you can quickly find what you are looking for and apply for the loan you want. If you meet our eligibility requirements, all you have to do is choose the amount and repayment term you require using our loan calculator and click apply now. Our simple application form will take just a few minutes to complete, so you can provide us with a few personal details and information. We’ll then work quickly to assess your application and provide a lending decision as soon as possible, notifying you if you have been provisionally approved.

We welcome applicants with a range of credit histories to apply for an online loan. We do provide bad credit loans, so if you are someone with a low credit rating and unsure if we can help, we can assess your suitability as long as you meet our requirements and can maintain repayments. Whilst we cannot guarantee bad credit applicants will be successful, we will take the time to fully assess your application rather than just decline you without doing so. We aim to help as many suitable applicants find the loan they need to help resolve a financial emergency.

Rather than sending you physical paperwork in the post, all of our loan documents to sign are provided electronically. This is not only secure but will also speed up the time of your application, rather than having to wait for documents in the post like traditional methods. Once approved, you will be directed to a screen with your ‘pre-contract’, ‘loan agreement’ and ‘adequate explanations’ documents to review. Once done, you would just need to e-sign them and this will finalise your application straight away.

Warning: You should never pay upfront fees for a short term loan or send money in return for a short term loan. Late repayment can cause you serious money problems. For help, visit: