Representative 728.9% APR
Representative example: £400 borrowed for 30 days. Total amount repayable is £459.36. Interest charged is £59.36, interest rate 180.5% (variable)
Our panel of lenders could offer a quick and reliable way to borrow money.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
- Quick and easy online application
- We process your application
- We find you a lender*
We are not a lender, we are a Licenced Credit Broker.
Please read our Responsible Broking Policy.
You no longer have to waste precious hours queuing at the bank and still run the risk of being refused a loan. Our panel of lenders may offer a fast and reliable way to borrow money when you need it.
Before you apply, make sure you meet the following eligibility criteria. You need to:
- be currently employed (or receive regular income)
- be 18 years of age or older
- be a UK resident
- have a UK Bank account
The application procedure is very simple:
In order to qualify for payday loan, all that you need to do is apply online and see if you meet requirements of at least one lender on our panel.
If your application is approved, you will electronically sign your loan agreement and the cash will be transferred almost instantly into your bank account*. If you apply on a weekday, the cash will be in your account within the next working day*. If you apply during the weekend, you will receive the money the following Monday*.
As you don’t have to fax any documents, you save your precious time. You also save money as our service is totally free. Online application method is fast, simple, effortless, reliable and comfortable.
Also, you may rest assured the data you are providing in the application form are totally confidential. Our site uses a range of security measures, including a reliable SSL encryption technology, in order to ensure safety of your personal details.
We don't charge fees for using our loan matching service. Remember to take a look at the loan provider’s website you will be matched up with, to check their particular rates.
For additional info on the reason why we do not impose a fee for our loan matching service, take a look at our FAQ page.
While we are a payday loan broking service that will introduce you to loan providers on our panel, the actual Representative Annual percentage rates differ from lender to lender. We've used the average Annual percentage rates from the lender panel to illustrate a reasonable representative loan example of this.
How come the annual percentage rate is really high?
The Annual Percentage Rate of a payday loan may seem expensive when you initially look at it. Nevertheless, it really shows the annual percentage rate over 12 months. A payday loan should be only intended to be taken out in short-term, for the most of one month - making APR's appear inaccurate.
We think you should know this before you apply...
If you worry that you will not be able to meet any arranged repayments, you should contact the provider of your loan directly as soon as you become aware of this. Such a move may provide you with the best opportunity to perhaps reschedule payments or discuss further options in more detail to avoid non-payment. You should know however, that changing the details or repayments of your loan amount could involve further charges or interest, the details of which can only be discussed directly with the lender of your payday loan. If no attempt is made to contact your lender and update them on any circumstantial changes or make the lender aware of any difficulty in paying back what you owe, they reserve the right to pass on your details to third party debt collections agencies or organisations that will attempt to recover the debt.
Implications of Non Payment
If at any point during your loan term you find yourself unable to repay the loan on time, you need to contact your lender immediately in order to discuss the possible repayment options. You may incur extra fees and interest as a result.
Implications of Late Payment
If at any point during your loan term you feel that you will be late with your payment, please contact your lender as soon as possible in order to try to rearrange your payment date.
Most lenders will contact you by phone, letter and/or email in order to discuss the matter and rearrange the payment. You need to remember, however, that non-payment may lead to some extra charges and/or increased interest and it may also seriously affect your credit score.
If you need to renew or extend your loan, you must contact your lender directly as soon as possible. We do not recommend or endorse the renewal of your payday loan, or the rollover of your loan into a new period. You may be charged the same amount of interest originally charged on top of your loan. If you decide to renew your loan, this interest will be based on the total amount you now owe, not just the original amount borrowed. If you have failed to meet your payments as per terms and conditions of your loan agreement, a loan renewal or extension may be automatic – meaning that charges could be added to your account.