Simple finance from trusted lenders
See an estimated rate with our calculator and your personalised rate in just 2 minutes
Unlock the potential for all home improvements
Trusted lenders
All of our lenders have outstanding customer feedback scores.
Great rates
We’ve done the hard work already and found the very best lenders on the market.
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.
- We take the hassle out of searching for great lenders.
Hear from our customers
“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
“Thank you for your help with the finance, I can’t believe how quickly it’s been dealt with. Much appreciated!” Karen – Homeowner
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.