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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)

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  • We process your application

  • We find you a lender*

We are a licenced Credit Broker, not a Lender

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

How it works?

If at any point during the month your budget has been affected by something which adds an unnecessary stress to you and your monthly budget, a short term loan may a suitable option for you. It can be anything - an unexpectedly high electricity bill or a broken car without which you are unable to get to work! We help customers each day to find a lender* in just three simple steps.

You just need to:

  1. Fill out an application form and tell us more about yourself.
  2. Wait just a few minutes to allow us time to process your aplication.
  3. Get approved!* You may receive money in your account today.

It's that simple. Get a no-obligation free quote from us now! Your application will then be sent to our panel of lenders. If your application is approved, you will electronically sign your loan agreement and the cash may be transferred into your bank account sooner than you think.

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.

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Charges

We won’t charge you a penny for using our service. That’s it! We will find you a lender for free! Just remember, though, always look at the loan provider’s website you will be matched up with, to check their particular rates.

As one of the UK’s top loan finders we will introduce you to reputable loan providers on our panel, so 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 so high?

Well, at face value the Annual Percentage Rate of a payday loan may seem expensive. However, once you realise that it really shows the annual percentage rate over 12 months, while a payday loan should only be intended to be taken out for a short term, for the maximum of one month - it does seem to be making APR's at least confusing, not to say inaccurate.

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Important information

  • Collection Process

    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 collection agencies or organisations that will attempt to recover the debt.

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  • 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.

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  • 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.

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  • Debt collection

    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.

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  • Loan Renewal

    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 owe now, not just the original amount borrowed. If you have failed to meet your payments as per terms and conditions of your loan agreement, loan renewal or extension may be automatic – meaning that charges could be added to your account.

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