What Do I Need To Qualify?

• You must have an active bank account that has a valid debit card.
• You must be employed with a minimum salary of £400 per month.
• Your salary must be paid monthly into your bank account.
• You must be at least 18 years old.
• You must be UK resident.
• You also need a valid email address, landline and mobile telephone.

Loan-Arrangers Responsible Lending Policy

Our lenders offer payday loans between £50 and £1,000. The cash is transferred into your account soon after you apply (instant cash loans)*, and repaid on your payday. Your Payday loan can be any amount between £50 and £1,000.

When you apply for a payday loan, the lender that accepts your application will more than likely carry out a credit check. However, don't let that worry you. The lender will base their decision on whether to lend to you or not on more income related factors. The lender wants to know that you have a stable employment record, with an income good enough to service the loan and manage your usual outgoings. What they do not want to do is put you under additional financial pressure.

All Lenders Must

• Only lend to people that can afford to repay the loan
• Only lend what applicants can afford to repay
• Be transparent in all their dealings with their customers
• Be courteous and deliver high standards of service
• Maintain exceptional levels of customer satisfaction

All Lenders Must Not

• Target their lending at people with debt issues
• Not lend more than is affordable to repay
• Charge any hidden fees or processing costs
• Deal with people who's identity cannot be verified

By adopting this policy we are doing our utmost to ensure that we can satisfactorily help people arrange the short-term finance that they need, when they need it, and be totally happy with the service that we offer.

 

What Are The Charges

Payday lenders tend to charge around £29 per £100 borrowed. When applying for payday loans with us, your APR will be calculated for you based on the number of days your loan will be outstanding and presented to you prior to approval.

Most of our lenders charge a flat fee of £29 for every £100 borrowed, which means you know what your loan will cost before you apply!

Costs based on charges of £29 and £30 per £100 borrowed

You Borrow	You Repay £25 *	You Repay £30 *
*Payable in one payment on your next payday
£80	£103.20	£104
£100	£129	£130
£200	£258	£260
£300	£387	£390
£400	£516	£520
£500	£645	£650
£600	£774	£780
£750	£967.50	£975

Based on a total loan of £750 for a period of 28 days at a fixed rate of £29 per £100 borrowed (which is a fixed annual interest rate of 348%), the total amount payable in one lump sum payment on your next pay day would be £967.50 and the representative APR would be 1737% APR.

Representative APR 1737%

Payday Loan Lenders

There are probably over 30 different payday loan lenders in the UK today with more appearing every month. The demand for payday loans at the moment is huge so it is useful to have a diverse range of lenders. Not all the lenders are the same. They have different criteria. Whilst you can apply to one lender and be refused a loan, another lender may gladly accept your loan application. Some lenders tend to cater for only customers with a very clean credit history whilst others perform no credit checks at all, basing their lending decisions on more up to the minute information such as employment, income and outgoings.

Trying to apply to all the different lenders would take you ages, but our systems allow you to apply to all of the lenders with just one application, saving you countless hours of time and effort. You will know whether you application has been accepted in minutes.

So to apply for a payday loan, simply complete the application form above. You could have the money that you require within 24 hours and sometimes even on the same day depending on the time of your application*.