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See your borrowing options from over 40 lenders

  • Find the best rates for you including 0% interest offers
  • See eligibility with each lender including 100% pre-approved
  • Our soft credit search won’t harm your credit score
  • Payouts can be as fast as same day
Applying for finance

Why search with Payaca?

  • Trusted lenders

    All of our lenders have outstanding customer feedback scores.

  • Great rates

    Get access to the best unsecured loans of £1,000 to £35,000 with rates starting at 2.8% APR.

  • Instant decisions

    Get your quote approved in just two minutes.

  • Same day finance

    Get same day finance so there’s no delay getting your work started.

  • Won’t affect your credit score

    Our lenders only run soft credit checks so getting a quote won’t affect your credit score.

  • Searches 40 options

    We take the hassle out of searching for great lenders.

40 of the most trusted lenders

We’ve done the hard work for you, searching for the most trusted lenders offering you the best rates on unsecured personal loans of up to £25,000. All of our lenders use a soft credit check, so you get an instant decision without it affecting your credit score. And it’s quick – funds can be yours the same day you apply.

Representative example

A loan of £7,500 over 5 years will cost you £135.29 per month at a representative 3.1% APR.
The total cost after 5 years is £8,117.40, which includes £617.40 interest at 3.1% fixed. The total amount of credit is £7,500.
The rate and fee you are offered will depend on your individual circumstances.


Find credit in under 2 minutes