Payday Loans

Unykredit is a payday loans direct lender, which means we process your application from beginning to end. All credit scores are considered, and we guarantee same-day funding on all approved loans up to €1,500. Pay as early as you want or in up to 9 easy monthly instalments.
It takes only 2-3 minutes to apply
Yes, we are a direct lender
No guarantor is needed

Looking for Payday Loans Online?

A payday loan can be the solution you need to cover life’s unexpected situations. At Unykredit, we can help you get a decision fast. Our simple application takes just minutes to complete. We can process your application the same day, allowing you to quickly get the cash you need, even with bad credit history.
Instant quote and same-day funding
Apply 24/7 with Unykredit and get an instant initial decision. We guarantee to fund your bank account the same day you’re approved.
Repay early with no penalty
Repay early (either a partial payment or in full) at any time to save on interest. Unykredit will never charge you a penalty for paying your loan early.

We’ve helped out thousands of people…

€9500 for Joseph in York
€550 for Michael in Belfast
€4500 for Jayson in Southampton
€5000 for David in London
€3500 for Debbie in Carshalton
€5500 for Christopher in Coventry
€7500 for Simon in Hull
€4500 for Craig in Northampton
€4000 for Tom in Reading
€7,000 for Nicola in London
€2,000 for Danielle in Oldham
€7500 for James in Wolverhampton
€7500 for Brian in Plymouth
€5000 for Jason in Glasgow
€5500 for Luke in Ashford
€7000 for Claire in Bradford
€4000 for Kelly in Sheffield
€90000 for Lauren in Stockport
€9000 for Charlotte in Stoke-On-Trent
€550 for Karen in Coventry
€1,000 for Nicola in Milton Keynes
€3500 for Josh in Dagenham
€650 for Liam in Northampton
€800 for Colin in Swindon
€350 for Adrian in Manchester
€850 for Michael in Burton-On-Trent
€650 for Christopher in Leeds
€600 for Lee in Glasgow
€1,500 for Sean in Newcastle Upon Tyne
€450 for Nicola in London
€750 for Alison in Burton-On-Trent
€700 for Clare in Colchester
€1,500 for Robert in Manchester
€800 for Benjamin in Stoke-On-Trent
€350 for Patrick in Oldham
€1,200 for John in Burton-On-Trent
€1,000 for Laura in Wigan
€2,000 for Michelle in London
€450 for Hannah in Northampton
€300 for Ian in Leeds
€2,000 for Alex in Manchester
€600 for Gemma in Croydon
€600 for Kelly in Doncaster
€300 for Luke in Romford
€500 for Sophie in Doncaster
€550 for Peter in Aberdeen
€650 for Shaun in Chelmsford
€500 for Gary in Newport
€1,200 for Donna in Reading
€1,000 for Tracy in Reading
€900 for Scott in Ashford
€400 for Amanda in Newcastle Upon Tyne
€300 for Martin in Edinburgh
€1,500 for Andrew in Wigan
€600 for Nicholas in Southampton
€550 for Martin in Sheffield
€1,200 for James in Sheffield
€350 for Anthony in Dagenham
€700 for Sharon in London
€2,000 for Tracy in Swindon
€350 for Colin in Colchester
€650 for Richard in Norwich
€350 for Natasha in Middlesbrough
€1,000 for Jennifer in Preston
€600 for Darren in Leeds
€2,000 for Victoria in Romford
€1,200 for Alexander in Plymouth
€400 for Josh in Luton
€700 for Ryan in Croydon
€1,500 for Thomas in Derby
€500 for Alex in Chelmsford
€400 for Donna in Dagenham
€400 for Samantha in Newcastle Upon Tyne
€1,000 for Natasha in London
€300 for Luke in Swindon
€300 for Sophie in Bolton
€300 for Jordan in Glasgow
€300 for Danielle in Manchester
€2,000 for Chris in Swindon
€1,200 for Anna in Swindon
€500 for Elizabeth in Reading
€500 for David in Northampton
€650 for Elizabeth in Belfast
€1,500 for Joshua in Nottingham
€1,000 for Robert in Belfast
€500 for Peter in St. Helens
€800 for Daniel in Manchester
€600 for Katie in Plymouth
€3500 for Laura in Edinburgh
€650 for Lisa in Newcastle Upon Tyne
€850 for Claire in Luton
€700 for Andrew in Romford
€750 for David in Nottingham
€600 for Jack in Reading
€850 for Thomas in Croydon
€450 for Elizabeth in Bradford
€6000 for Ashley in Oldham
€6500 for Jonathan in Stockport
€6000 for David in Croydon
€1,200 for Nicola in Croydon
€5500 for Jamie in Newcastle Upon Tyne
€4000 for Alex in Harlow
€3500 for Alison in Cardiff
€6000 for Katie in Plymouth
€7500 for Charlotte in Edinburgh
€8000 for Samantha in Oldham
€6000 for Tom in Northampton
€9000 for Andrew in Leicester
€4000 for Paul in Ashford
€7500 for Lee in Romford
€4000 for Neil in Manchester
€1,500 for Emma in Nottingham
€6500 for Joshua in Belfast
€2,000 for Benjamin in Bolton
€5000 for Melanie in Harlow
€5500 for Lauren in Warrington
€3500 for Mark in Bedford
€7500 for Stephen in Watford
€9000 for Peter in Ashford
€1,000 for Carl in Edinburgh
€1,500 for Stephen in Warrington
€7000 for Rebecca in Wolverhampton
€6000 for Joanne in Hull
€8500 for Brian in Peterborough
€5500 for Patrick in Liverpool
€6000 for Dean in Wigan
€2,000 for Stephen in Chelmsford
€4500 for Rachel in Oldham
€5000 for Victoria in Plymouth
€4500 for Matthew in Manchester
€7500 for Sharon in Glasgow
€1,500 for Natasha in Bolton
€6000 for Hannah in Stockport

Payday loans from a direct lender

At Unykredit, we believe that everyone should be able to access affordable credit in an emergency.

Reasons to choose Unykredit

Our payday loans are simple, straightforward and convenient. Here are some reasons why a Unykredit loan will work for you.

  • We are the only lender that offers cashback on your loan
  • We are a direct lender and you will get the money from us directly
  • We have flexible and affordable repayment plans
  • We offer same day funding guaranteed on approved applications
  • Our customer service agents
  • We have live support available at any time on your loan journey
  • You can repay early anytime and save on interest
  • You can borrow our loans for up to 360 months
Get your loan now

When should you borrow payday loans?

You should use payday loans online for urgent but  temporary cash-flow problems, such as if you:

  • Receive a one-off reduced salary, 
  • Need to pay an urgent bill or an overdue debt
  • Need extra income during holiday seasons, 
  • Must cover an emergency medical bill. 

When should you avoid borrowing pay day loans?

You should never use payday loans from Unykredit to pay recurring bills (like utilities or your rent/mortgage), for luxury items or non-essential expenses. Other common reasons people apply for our short term loans when they shouldn’t are:

  • To pay off other debts. It rarely makes sense to pay off other debt with an online payday loan as the interest rate is so high. Instead, look into a debt consolidation loan. 
  • To pay your overdraft. Once in a while, it can be OK to cover your overdraft with a Unykredit loan. Still, if this happens constantly, you should cancel your overdraft to make it impossible to go overdrawn.

Are payday loans bad?

Are payday loans safe?

In 2015, the Financial Conduct Authority introduced an interest cap on payday loans that forever changed the payday loan market. Now, when you borrow a loan online, the interest can’t exceed 0.8% per day, and you can’t be charged more than double the amount borrowed.

Default fees were also capped to €15 per loan, although if a lender takes legal action against you, legal fees will be added to your balance. We’re not saying payday loans are good for you – but there is much more regulation these days. We started Unykredit after these regulations came into effect, so our loans have been regulated by the FCA from the beginning.

How do I know if a payday lender is legit?

It’s also essential to check whether the site is authorised to act as a broker or a direct lender. Brokers can only refer your application to someone else, whereas a direct lender like Unykredit can lend to you directly.

Unykredit is both a direct lender and broker. If we can’t fund you a loan, you can activate our free brokerage service, and we will try to find you an alternative lender.

Payday loans are expensive! If an alternative is available, please check if it is more affordable before borrowing payday loans. Please remember that late repayment can make your loan more expensive. Always ensure you can afford the loan repayments of any loan you apply for.

Check out alternatives

Who is Unykredit?

Our company was founded in 2014 to help hard-working people overcome short-term financial emergencies. Most of our customers are declined by their own banks and other mainstream lenders due to bad credit history.

We specialise in fast online credit for all bad, fair or good credit scores. Unykredit’s developers have built a custom decision engine that considers many factors, not just your credit score, to increase your chances of approval.

More about us

How our Online Loans Work

Unykredit is a consumer favourite for direct payday loans .

We’ve worked hard to create a high standard for fair borrowing from the beginning. We understand how frustrating it can be when lenders repeatedly decline your loan application. We are committed to full transparency and fair and flexible loan repayments. We are a direct lender who puts our customers’ needs and requirements before ours. Always.