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A wise guide to…

Late Night Loans

Late night loans could be the answer to your quick cash needs. Choose Wisely can help find the right 24/7 loan for you.

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Representative 99.8% APR (fixed). Representative Example: If you borrow £500 over 52 weeks at a Representative rate of 99.8% APR and an annual interest rate of 99.8% (fixed), you would pay 52 monthly instalments of £13.41. The total charge for credit will be £197.32 and the total amount payable will be £697.32.
Choose Wisely is a trading style of Choose Wisely Limited and is a free to use price comparison website. Choose Wisely Limited is authorised and regulated by the Financial Conduct Authority as a credit broker not a lender, firm reference number 730574 and is registered with the Information Commissioner’s Office number Z3106681.

A quick, easy way to get a late night loan today.

  • Borrow from £300 to £10000.

  • Choose between lenders who have accepted your application.

  • Absolutely no fees, ever.

Representative 99.8% APR (fixed).

How to get a late night loan in 3 simple steps.

Affordability assessment.

1 form - takes 2 minutes to complete and your data is 100% secure.

Compare products.

Choose from lenders that have accepted your application.

Speedy finance.

If approved, the cash can be in your account in as little as 15 minutes.[†]

Table of contents

Written by Mark Grimley
Read time: ~5 mins
Published: 29th July 2020 Updated: 9th September 2020

What Are Late Night Loans?

Money worries can be a major stressor at any time, but they often hit us worst at night when the distractions of everyday life grind to a halt. Thanks to late night instant loans, you can say goodbye to sleepless nights when other lenders close their doors outside the regular nine-to-five.

What Is A Late Night Loan?

A late night loan is simply a same day loan you can apply for at any time online, so in fact, it’s no different from any other 24 hour payday loan.

The advent of automated lending decisions provided by clever online software technology means that being able to search for late night instant loans is now a reality. There are no assessment phone calls or long waits for a decision.

All you have to do is fill in an online application and if approved the cash could be in your account in as little as 60 minutes, helping you avoid the added stress of a disrupted night’s sleep.

Who Offers 24 Hour Loans?

With the advancement of online technology, complex lending decisions can now be made on the same day and in seconds. This is resulting in more and more lenders offering late night loan decisions to UK residents, including payday loan lenders.

At Choose Wisely, we make the process of finding the right UK 24/7 loan for your needs even easier. Not only do we help you compare UK direct lenders that have accepted your application in principle, we also provide a whole host of information including comprehensive FAQs and guides to the application process to help you get a quick, instant loan decision no matter the hour.

Benefits of a 24/7 Loan

A late night instant loan puts the power in your hands to apply for the cash you need when you need it, all from your phone, tablet or computer.

With good and bad credit history considered you could borrow from £100 to £10,000 with no hidden costs or fees. Because of instant automated lending decisions, you can apply at any time of the day or night.

Plus, there’s no need to call or shop around between UK direct lenders because we do the hard work for you. We’ll give you a simple comparison of loans you’ve been accepted for in principle, helping you go from stressed to sleep in record time.

Applying For 24 Hour Payday Loans

your application for a late night loan couldn’t be easier. Because we do all the hard work, you could soon join the more than six million people Choose Wisely have helped take control of their credit by matching them to the right financial product.you have to do is fill in a quick two-minute form, choose your loan amount and repayment period and let Choose Wisely do the rest. In a matter of seconds we’ll give you a choice of lenders who have accepted your application in principle so you can compare your options. If you choose to continue to a lender and complete an application, you will then be credit checked to ensure your details are correct and you can afford the repayments. If approved your loan could be in your account in under an hour.

Late night loan FAQs

Are all UK lenders open 24/7?

No, not all lenders have a 24/7 service. However you can use Choose Wisely to find and compare suitable options 24/7, 365 days a year.

What loans can I get late at night?

Although a lot of lenders will be able to provide you with a decision in principle 24/7. A lot of lenders, especially those offering larger loans will wait till normal opening hours to make a final decision. Those offering pay outs throughout the night are likely to be those offering small loans repaid over a shorter term.

What to do if I was declined for a late night loan?

Refrain from making another application immediately. Contact the lender you applied with and find out why you were declined. You’ll then know where you stand. If you are worried about your financial situation you should contact the money advice service.

Written by
Mark Grimley
Head of Partnerships & Take Control Author at Choose Wisely

Mark joined Choose Wisely in 2015. He continues to work in close contact with the providers, brokers and journalists operating in the world of consumer credit.

The quickest way to find the best late night loan for you.

No obligation. 100% secure.

Important Information.

All of the information in this guide is correct at the time of writing.

Rates shown are quotes based on your personal circumstances, are subject to status and are available to those aged 18 and over. Rates available range from a minimum of 3.9%APR to a maximum of 1575%APR Representative and loan repayment periods range from 3 to 60 months.

[*][†] Once accepted, your loan can be transferred to you in as little as 15 minutes. The time that it takes for the loan to show in your bank account will depend on your lender and your bank.

If you need financial advice you can visit stepchange, speak to citizens advice, call the national debtline or speak to moneyadviceservice.org.uk.

If you've been declined, please refer to your credit report to gain an understanding of why before making further applications.
Your score can be accessed for free via any of the main credit reference agencies such as Credit Karma, Clearscore or Experian.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk