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?


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


How much do you want to borrow?


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


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.
We found 10 lenders

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 payday 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 clearly find the best payday lender for you in seconds. We also show you short term loans which can be paid in instalments, so you can borrow and repay in the best way to suit 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 that you are looking for. The loan companies we list are all regulated by the FCA and comply with our strict criteria, so you know you will always choose a payday lender you can trust when you compare loans with Clear And Fair. 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. The information we give you about our online lenders is your best guide to finding a cheap payday loan.

Get the most important information

Don’t spend hours trawling the internet for the top-10 payday loan lenders when 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 is cheapest. Our website shows you a list of the best lenders in seconds and gives you the important information about each loan at a glance. 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 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. This can be hidden in the small-print, so customers do not realise that the short term loans they choose are not the one with the best interest rate. This is never the case with Clear And Fair. Our service is totally unbiased, so you always see the cheapest payday lender at the top of the page. We list the best lenders in order of the final and total amount you will pay for the loan and nothing else.

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.