If you are at least 18 years old, reside in the UK and are employed, and have a bank account you can apply for payday loans. This is a fast way to get cash when you need it. It doesn’t require a good credit score for you to borrow some money. The APR rates are high, but some are higher than others. It pays to check out the rates before you sign on the dotted line. The loan terms are short, only about two to four weeks. But why pay more in interest than you have to? You can get cash in minutes.