Warning: Late repayment can cause you serious money problems. For help go to www.moneyadviceservice.org.uk
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A Direct Lender

Are you employed? UK resident? +18 years old?

Salary paid direct into your bank account? Debit Card?

Umbrella loans are commited to lending

Responsibly and ethically

Representative Example

Total amount of credit
Total amount payable
Fixed Annual Interest


1448% APR
30 days

Umbrella Loans is a responsible lender • BCCA Member • ICO Registered

How It Works

Secure online application,
followed by credit checks
and underwriting. Same
day funding for successful

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Our Promise

To be transparent, helpful
and fair with our clients,
keeping customers
informed at every stage.
We never charge admin fees
or automatically extend loans.

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Nonpayment will result in a monthly default fee of £20
being applied for two months and a third party agency contacting you to collect the debt. This will affect your credit rating and may make it difficult for you to obtain credit in the future.


Trusted Payday Loan Lenders

Welcome to Umbrella Loans, the experienced and trusted payday loan lenders. We specialise in providing payday loans to help you overcome temporary financial problems.

A responsible payday loan lender

It’s vital to note that a payday loan should only be used for temporary financial problems. A payday loan can be a very expensive way to borrow, with the repayment set at no more than 40 days. Therefore, it is not suitable as a long-term financial solution. While our application process is quick, the information we ask for helps us to determine your suitability for a loan. As a responsible payday loan lender, we aim to make sure you are fully aware of what to expect and our website is packed with useful information about our process as well as what’s required once you take on a loan.  If a quick payday loan is right for your circumstances, start the application process now.

Advantages of payday loans

We understand that unexpected events can occur at the most awkward of times; your car may decide to break down just days before an important journey or your boiler might suddenly break in the middle of winter. When this happens you may be left with a cost that needs to be met right away, which can leave you strapped for cash until you next get paid. If your mortgage payments or rent have already gone out and you still have regular bills and grocery costs to budget for, finding the money to pay for this unexpected cost could be very difficult. We provide emergency cash loans that can cover these costs and make sure you aren’t left short before your paycheque arrives.

Disadvantages of payday loans

This type of loans are expensive due to the fact that they are unsecured, short term and the risk factor associated with providing these loans is higher when compared to traditional bank or other high street loans. Like with any financial product, if you apply for a payday loan it will leave a print on your credit rating. Applying for a payday loan could affect your credit rating in a negative way, as it will leave a print on your credit report, just like any traditional loan.

Umbrella Loans Ltd is a provider of same day payday loans. Short term loan companies operate differently, offering varied speed of service depending on system set up and processes applied. In order to find out how fast your chosen lender can fund your loan, you need to look at the information provided on Payday Loan lenders websites or call them to find out.

Payday loans from Umbrella Loans

We pride ourselves on being an efficient and ethical payday loan provider. We take the information you supply in our online application form and will provide you with a provisional decision on whether or not you are eligible. Further credit assessment will follow once you have passed the initial stage. Criteria for receiving a payday loan include, but are not limited to, being a UK resident over the age of 18 who is currently in employment; and having your salary paid directly into a bank account for which you have a debit card. If your application is successful, we’ll provide a quote and if you wish to proceed, the money is then transferred into your account.