We compare the top direct lenders in the UK so you have the best chance of getting the cheapest loan rate through us. We always endeavour to be as flexible as possible, so we offer a 1 hour payday loans online no credit check loan for everyone- if you have been declined elsewhere, we still may be able to help. We also offer a free no hard credit footprint eligibility checker so you can apply with confidence. If you apply for your loan through Now Loan, you’ll be given the chance to compare short term loans from direct lenders. If no offer seems doable for you, you shouldn’t go through with the loan. Lenders can decide if you are qualified to receive a loan, but only you can decide if you are able to meet the terms. It’s important to keep in mind that some of these lenders may offer short-term loans with relatively high interest rates — but the annual percentage rates, or APRs, are still lower than the typical payday loan.