Warning:
Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

Representative 728.9% APR.
Example: £400 borrowed for 30 days. Total amount repayable is £459.36. Interest charged is £59.36, interest rate 180.5% (variable)

Frequently Asked Questions

What is a short-term payday loan?

A short-term payday loan is a special type of personal loan that is designed specifically to cover you until your next payday. Regardless of when you apply, normally you will pay back the loan on your next pay day.

Am I eligible to apply for a payday loan?

You must be: over 18, living in the UK and receiving regular income into a UK bank account that allows direct debit payments.

How can I apply?

Anyone can apply 24 hours-a-day, 7-days-a-week from anywhere in the UK! Your cash can even be deposited at the weekend as our lenders still work then.

The process is really easy. Simply complete our application form, hit submit and we will do the rest. Finally, just sign your online loan agreement and the cash can often be in your account within one working day.

The APR sounds high, why is this?

Basically, financial rules mean that all short-term loans must give a yearly interest rate. As a payday loan is never taken for a year, this is not the interest rate you will actually pay after 31 days. For a clear and transparent breakdown of our representative fees please visit the Charges page.

Short-term or payday loans are different to traditional longer-term bank loans and that's why applying the same APR model to them looks so odd.

How does repayment work?

Repayment is normally taken in full, via direct debit, on your next pay day.

Do we check credit scores or use credit reference agencies?

The lenders we work with will usually run a credit check during to assess your application. It is unusual to find a no credit check loan these days.

Is there such thing as a bad credit loan?

Yes! We treat everyone as an individual and not just a credit score. We are more interested in your present circumstances, so you may be able to get a short-term loan even if you have a poor credit history.

When will I receive my money?

On approval, your cash will be transferred to your bank account as soon as possible. If approved after 3pm sometimes you may have to wait until the next working day, but usually it is only a matter of minutes.

How will my money be paid?

Your money is always paid directly into your bank account.

Can I still apply even if I don't have a debit card?

Yes, it's not necessary to have a debit card.

Can payments be deffered?

Absolutely. Although after deferring more than once we will ask that your begin to reduce the overall balance. Deferral will also mean more charges will be added to your overall repayment amount. But it's always at our fixed-rate so you won't have to pay anything unexpected.

What if I can't pay?

Circumstances change. We understand that. Please contact us as soon as possible and we will try to help. The golden rule is: don't borrow money you can't pay back.