Finance in a flash

Payaca offers you a fast and simple way to get a loan for all your home improvement projects.

Get your quote
This won’t affect your credit score.

Unlock the potential for all home improvements

Trusted lenders

Trusted lenders

All of our lenders have outstanding customer feedback scores.
Great rates

Great rates

We’ve done the hard work already and found the very best lenders on the market.
Instant decisions

Instant decisions

Get your quote approved in just two minutes, funds can be with you the same day.

Why use Payaca?

  • Get same day finance so there’s no delay getting your work started.
  • Our lenders only run soft credit checks so getting a quote won’t affect your credit score.
  • Get access to the best unsecured loans of £1,000 to £25,000 with rates starting at 2.9% APR.

Hear from our homeowners

“This service is fantastic. The ability to get an instant decision from a lender I know I can trust was far better than what my bank could offer. Being able to receive payment the same day was great, I would have no hesitation in recommending them to anyone.” Mike Nicholson – Homeowner
Mike Nicholson
“Thank you for your help with the finance, I can’t believe how quickly it’s been dealt with. Much appreciated!” Karen – Homeowner

See how we can help you in under 2 minutes

Get your quote

Our 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 £10,000 over 5 years will cost you £210.07 per month at a representative 9.9% APR.

The total cost after 5 years is £12,604.20, which includes £2,354.20 interest at 8.8% fixed and a £250 fee. The total amount of credit is £10,250.

The rate and fee you are offered will depend on your individual circumstances.

Find your loan in under 2 minutes

Get your quote