he flexibility of most direct lenders now means that borrowing £400 has never been simpler, with instant decisions and same-day payouts, allowing you to deal with emergency situations quickly. There is a range of repayment options available too, meaning that you don't have to find the whole amount on your next payday. With repayment plans of 3 to 36 months, our partner can find a loan to fit virtually any budget for £400 loans.