WARNING: Late repayment can cause you serious money problems. For help, go to The Money Advice Service

What type of loan would you like?

How much do you want to borrow?
£100
£1000

 

How long do you need the money for?
1 day
35 days

 

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How much do you want to borrow?
£100
£1000

 

How long do you need the money for?
1 month
12 months

 

COMPARE
PLEASE NOTE:High cost short term credit is unsuitable to support sustained borrowing over long periods and would be expensive as a means of longer term borrowing.
IMPORTANT INFORMATION:You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

Compare payday loans from direct lenders

What makes Clear And Fair the best website to compare payday loans?

There is nothing worse than realising too late that you spent more money on a product or service than you needed to. Don’t let that happen to you when you need a short term payday or instalment loan!

Find the cheapest deal for you, FAST

It takes just a few moments to do a quick loan comparison on our website and you’ll find a list of payday lenders offering what you are looking for in seconds. Each company you see on our site is a direct lender – we will never forward you on to a broker. We compare payday loans and also show you short term loans which can be paid in instalments, so you can borrow and repay in a way that suits your circumstances. The simplicity of our online price comparison table shows you which website can provide you with the cheapest payday loan for your needs.

FCA regulated lenders

There are no hidden catches on our website. Since we understand that you just want to get a payday loan quickly, we’ve taken out all of the complicated jargon, so you simply get the cheapest price for the loan that you are looking for. The loan companies we compare are all authorised and regulated by the FCA and comply with our strict criteria. Payday loans have been regulated by the FCA since a regulation overhaul in 2014 which brought about significant changes to help customers. If you want to know more about the regulation that applies to all short term loans, please read our informative article about how the industry is regulated.

NO credit check

The great thing about our website is that it is totally free to use and your credit rating will not be affected in any way. When you compare payday loans with us, you can see how much you’d pay to borrow the amount you select for the time you need without making any applications that would show on your credit file. We give you clear information showing the cheapest loan from our list of direct lenders. Applications for short term loans will show up on your credit file but using Clear And Fair to compare the cost of payday loans before you borrow allows you find the best deal for you first without any searches appearing on your credit file.

Get the most important information

Don’t spend hours trawling the internet for the top 10 payday loan lenders. Clear And Fair can do the work for you. From our price comparison table, you simply click the link to take you straight to the application page for the payday loan that you want to apply for. Our website shows you a list of direct lenders in seconds and gives you the important information about each loan at a glance. The list of payday loans that match your chosen search criteria, i.e. the amount and the length of time you want the loan for, gives you multiple loan companies for you to consider, all on the same page. We show you the available amounts from each lender, the cost of credit for your selected loan as well as the total repayment amount. If any terminology you see on our site or used by creditors is unfamiliar, we recommend you take a look at our online loan glossary which is a comprehensive guide to payday loan related terms.

NO lender bias — guaranteed

You may have heard rumours about price comparison sites for payday loans that show one lender above another because they pay the website more for a better position in the table, so customers do not realise that the short term loans they choose are not the one with the best interest rate. This used to happen in the past but is now explicitly forbidden by the regulator. In any case this never happened with Clear And Fair. Our payday loan comparison service has always been totally unbiased from the start, so you always see the cheapest payday lender at the top of the page. We list lenders in order of the final and total amount you will pay for the loan and nothing else. We know payday loans are often a service used in emergency situations, so you don’t want to have to be scrawling through small print to find out what the best deal for you really is. You want a site that’s quick to navigate to the cheapest deal when you really need it. Let us save you time and worry when you compare payday loans, and find the best deal for you, with no hidden catches.

Be sure the loan is affordable to you

Online payday loans allow you to borrow money quickly and easily, but it is important to properly understand the costs associated with the service to be sure it is affordable to you. Lenders may charge extra fees if you do not repay on time which is why it is crucial to check the total cost of your loan before you apply. Please read our useful pros and cons page to make sure you understand how payday and short term loans work and whether they are the right choice for you in your circumstances.

Remember each payday lender will also assess your circumstances before you know if your loan application is approved and we cannot influence their decision, so please contact the lender directly if you have any questions about specific applications.

Similarly, please double check the information shown on the lender’s website at the time of your application, as even though we verify all of our information with each lender directly, the rate they ultimately offer you when you apply remains at their discretion.