Apply online for instant payday loans from UK direct lender. Get an instant decision, cash in 15mins of approval & no hidden fees. Payday Loans Online. WARNING: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.Visit TLC Family to learn about getting payday loans without a bank account. Not to make too many assumptions here, but if you don’t have a bank account, you also might not have a lot These lenders provide quick loans with no credit check and require very little collateral (usually just proof of income.To pay off the payday loan, you need to use the credit card for your all normal spending for the rest of the month (don’t overspend and carefully budget). The equivalent amount of unspent income will build up in your bank account, which can then be used as cash to pay off the loan. Then pay off the card.