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CocoLoan UK

Instant Payday Loans From £50 To £5,000

How much money do you need?

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Representative Example: Borrow £1,200 for up to 75 days - Interest rate 0.34% per day (124% p.a., variable) Representative: 49.7% APR (variable)

  • Fast Quote
  • Bad Credit Friendly
  • Safe and Secure
  • 24/7 UK Service

Get Payday Loans Instantly with CocoLoan!

Payday loans are loans that are typically issued to cover an emergency expense. They're not intended as long-term financial solutions, but they can help people get through tough times when they need it most.

If you need a payday loan, you’ve come to the right place. As an FCA authorised broker, CocoLoan is always trying to help our customers get payday loans easily. Applying for loans with us can be very fast – you can get a quote instantly, and oftentimes you will get the money on the same day.

Get Payday Loans Instantly with CocoLoan

How CocoLoan Works

  • Apply Online

    Fill out our application form, and we will connect you with the right lender based on your information.

  • Review Our Offer

    Our lender will review your application and give you a no-obligation offer that you can take your time to consider.

  • Get Money Instantly

    Once you’ve been approved, you will receive the money in your account usually within a day.

Why Choose CocoLoan

Why Choose CocoLoan

  • Best-Of-Class Lenders
  • Zero Hidden Fees
  • No Paperwork
  • Quick Decisions
  • Fast Money Transfer
  • Safe and Secure

Who Is CocoLoan?

CocoLoan is a UK-based loan broker that connects people who need emergency loans with lenders who are willing to provide these loans. We offer a range of loans with flexible repayment options, high approval rates and competitive rates. As a well-established company in the industry, we have helped thousands of people borrow money each day and received excellent customer feedback.

We’ve been authorised by the Financial Conduct Authority, and are a registered service provider of the Information Commissioner's Office. So you’ll know dealing with us is safe and the information you offer to us will be well-protected.

Loans We Offer

  • Payday Loans

    Payday Loans

    Payday loans are loans that are typically repaid in full on the borrower’s next payday (or next day when they receive other regular income). The loan is usually in the range of £50 to £5,000.

  • Bad Credit Loans

    Bad Credit Loans

    Bad credit loans are a type of loan that is given to people with poor credit. They are often offered by lenders who specialise in bad credit loans and they usually have higher interest rates.

  • Quick Loans

    Quick Loans

    A quick loan is typically granted to people who need money in a hurry. The application and process for this type of loans are usually quick, and the decisions by the lenders are also given swiftly.

  • Short-Term Loans

    Short-Term Loans

    Short-term loans are usually for small amounts of money and are usually unsecured with no collateral. They can be used for covering unexpected expenses you cannot afford in one lump sum.

  • Same Day Loans

    Same Day Loans

    Same day loans can be processed and approved on the same day (the reason why they’re given this name). This makes them ideal for people who need money fast for an urgent pay-off.

  • Direct Lender Loans

    Direct Lender Loans

    A direct lender loan is a type of financing offered by private lenders. They are for the people that need money quickly, but cannot borrow from banks or other financial institutions.

Frequently Asked Questions

  • Can I apply for loans without doing a credit check?

    No you can’t. When applying for loans on CocoLoan, your credit history will be checked by the lenders we’re partnering with. This is to ensure you’re eligible for the loan.

  • Does CocoLoan accept applicants with bad credit?

    Yes, we do. In fact, many of the lenders we’re partnering with offers loans that are specifically designed for people with bad credit. However, the amount you’re able to borrow may be less than you want.

  • Will a payday loan affect my credit score?

    Our lenders will do a hard credit search on you, which may negatively impact your credit score slightly. However, if you don’t miss the repayment, you’ll see a boost in your credit score.

  • What additional charge do I need to pay to use CocoLoan?

    Our service is free of charge and there are no additional fees you need to pay when using CocoLoan.

  • How much money can I borrow with CocoLoan?

    It depends on the information you offer in your application. Our lenders will inspect it as well as your credit history carefully and responsibly so the amount they lend to you is the one you’re able to repay.

  • How long will I get the loan?

    If you accept our offer, the money transferred to your account will be arranged soon. The transfer time varies depending on the bank you’re using, but it usually takes about 15 minutes.

Get a Payday Loan Offer Now

Get a Payday Loan Offer Now!

Borrowing money on CocoLoan is fast, easy, and safe. Apply for a payday loan and handle your emergency today!

Get a Quote is not a lender. We are a credit broker so we don’t lend you money directly. Rather, we provide a referral service in which we match you with a number of UK-based lenders with our technology platform. does not charge customers a fee to use our broker service, but it might get a commission from lenders or other brokers if a customer joins into a consumer credit agreement after being introduced through this website.

*While initial eligibility checks include a soft check of your credit information, which has no effect on your credit file at this time, lending partners may undertake a hard search before finalising your loan offer. This hard search would appear on your report for a period of 12 months.

*Lender requirements and approval are subject to change. It's possible that you'll have to wait longer to get your money. This will be determined by your lender, whether or not your bank allows speedier payments, and whether or not the lender requires any further information or proof from you in order to move forward with your application.