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How Instant Payday Loans Work
What are Payday Loans and How Can They Help? When you need cash quickly and without a lot of fuss, payday loans pay fast and ask few questions. The Top Hat Money panel of payday lenders can approve your loan application in seconds and transfer money the same day, often within the hour, usually with no need for credit checks.
How Instant Payday Loans Work
  1. Fill out the form
  2. Get approval in secs
  3. Receive your money

No complicated application process

Fast online decision1

Fast cash in your account in minutes

Apply Now

Apply for a Loan
Life's demanding and can be unpredictable.
Whatever your situation Top Hat Money are here to help.

Welcome to Top Hat Money Payday Loans

Need to borrow money quickly, in an emergency, or outside of banking hours?

No problem, Top Hat Money runs 24 hours a day 365 days a year, approving loans in seconds and loaning money in minutes.

Advantages of Payday Loans from Top Hat Money:

  • Simple loan application form, complete it in minutes
  • Fully online application, complete it from the comfort of your own home with no documents to fax or mail
  • Instant decision, get your approval in seconds
  • Fast, free funding of your loans, get your money in less than 30 mins, 24 hours a day 7 days a week
  • Borrow up to £1000, even if you haven't borrowed with us before
  • Less-than-perfect credit is not a problem

Applying for Loans

Top Hat Money aim to make applying for a loan as simple as possible. We understand that sometimes you just need to get money quickly and simply. No long application processes and no complicated agreements to sign. That's why our process is all done online, completely from start to finish. So there are no long phone calls, no protracted meetings, no mountains of paperwork to complete and post or fax and no complicated agreements to sign.

What are Payday Loans?

Payday loans are short term loans designed to help you bridge the gap between anything you need money for today and money you have coming in in the future.

Short term loans mean you can get money quickly when you need it and pay it back next time you've got it.
Typically you can get money into your account in less than an hour and pay it back at your next payday - although it is also possible to pay it back at other times.

If you are over 18 and resident in the UK with a regular income you can borrow up to £1000 for any reason, to pay a bill, unexpected repairs, forgotten birthday present, whatever you like.

To apply just fill in the simple loan application form and we can approve you instantly. you don't need to fill in pages and pages of application form, you don't need to fax or post anything or sit through long meetings explaining what you need the money for. Our application form should not take more than 2 or 3 minutes to complete and we can normally give you a response in seconds. Once approved we can transfer money into your account in anything from a couple of hours to 15 minutes.

Payday loans are perfect when you only need to borrow a small amount of money for a short amount of time, you want the money quickly and you want a simple, stress free method of paying it back. If that's you fill in our loan application form now, get quick approval and have the cash before the end of the day.

How Near Instant Payday Loans work

You complete a short loan application form, which should not take more than about 5 minutes.

We collect your contact details as well as your employment details and bank details so we can be very sure of your identity. We use this to search our panel of over 100 leading UK lenders and find the provider and product most appropriate for you. Then we pass you and all your details over to them for you to sign your agreement and confirm where to send your money.

Lenders will normally be able to deposit your funds into your bank account in less than an hour.

When you next get paid you pay back the loan plus the finance charge and that's it!

How much can I borrow?

New customers can request to borrow up to £1000. Once you are an existing customer you may well be able to increase the size of loan you can request to give you that extra flexibility to meet your short term cash needs.

Why Top Hat Money? is ranked 9.7 out of 10. Based on 181 user reviews.

We have been online since 2007 providing a quality service to the UK since before most people knew what a payday loan was.

We are covered by a Consumer Credit Licence 645219, you can see the details at the Consumer Credit Register. Any website operating without displaying a Consumer Credit Licence or displaying someone elses Consumer Credit Licence on which they are not named are little more than loan sharks, they can change their charges and therefore what you owe without warning, they can take money from your account without asking you, they can harrass and hound you with impunity because you don't really know who they are, they can sell your data to telesales companies, they have your address and can use whatever means they wish to make you pay up any time they like. They may have had a CCL and had it taken away, they may have applied for a CCL and been refused or they may just have not applied for one even though it's the law that you must have one to provide loans or act as a broker for loans.

What are you waiting for?


New customers can request a payday loan of up to £1000

request loans of up to £1000

Once approved cash is directly deposited to your account, often within 15 mins!

Representative 2120% APR

What does APR mean?

Representative example > Total Amount of Credit : £200
tophatmoney hr line
Duration of Agreement: 30 days
tophatmoney hr line
Total Amount Payable: £258
to be paid in one instalment on your next payday.
tophatmoney hr line
Total Charge for Credit £58
tophatmoney hr line
Representative 2120%APR


Couldn't be easier, thanks! W.H. Harlow

Very easy to use. P.E. Grimsby

Everything went fine. Site was nice, fast and easy to understand. K.H. Folkestone

Excellent, can't believe how quick my loan was approved and paid out. B.J. Putney