£800 Loans UK (2026)
Need £800 for an unexpected expense? Compare reviewed UK lenders with same-day payout options — always free, no obligation.
Eight hundred pounds is the kind of amount that covers a real emergency — a boiler breakdown in winter, an essential car repair, or an unexpected bill that cannot wait. When you need this much quickly, knowing which lenders can help — and how fast — matters.
At £800, you have strong options across our panel. Drafty (£50–£3,000), Cashfloat (£300–£1,500), Creditspring (£400–£2,400), and Lending Stream (£50–£1,500) all cover this amount. If you qualify for 118118 Money (from £1,000), it may be worth borrowing slightly more at their lower 49.9% APR if the maths works out cheaper overall.
Every lender on our panel is FCA-regulated. The FCA caps interest at 0.8% per day on short-term loans and limits the total cost to 100% of the amount borrowed. This means on an £800 loan, you will never repay more than £1,600 total regardless of which short-term lender you use.
Who qualifies?
What helps your application
- ✓UK resident aged 18+
- ✓Regular income that covers repayments
- ✓Active UK bank account
- ✓No undischarged bankruptcy or active IVA
Bad credit accepted
- ✓Several lenders specialise in bad credit at this range
- ✓Affordability is the primary assessment
- ✓Previous defaults considered but not automatic rejections
Income types accepted
- ✓Employment income (any type)
- ✓Self-employment with proof
- ✓Universal Credit and other benefits (lender dependent)
Speed
- ✓Same-day payouts from Cashfloat, Creditspring, Moneyboat
- ✓90-second payouts from Lending Stream
- ✓Minutes from Drafty and Money Platform
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Independent loan comparison. Rates shown are representative; your actual rate depends on circumstances.
Warning: Late repayment can cause you serious money problems. For help, go to MoneyHelper.org.uk. Nudge Finance is an independent loan comparison site. We are not a lender and do not provide financial advice.
[PAUL'S VERDICT — to be updated by Paul]
Key Insight
[KEY INSIGHT — to be updated by Paul]