We are transforming the UK credit market by offering small, short term loans online with more speed, convenience and flexibility than banks, high street lenders and other websites. We remove the complexity and inflexibility consumers face whenever they need to borrow some cash in a hurry.
What is a Payday Loan?
An advance payday loan is basically a small, unsecured loan that you can apply for and receive very quickly. Compared to a typical bank loan, you can borrow smaller amounts, such as a few hundred pounds and you won’t be stuck with monthly repayments for several years. That’s because you normally repay an advance payday loan on your next payday. As a result you settle the advance payday loan much more quickly than with a traditional loan. You also avoid the potential debt trap of a credit card or bank overdraft, where it’s often tempting to regularly extend your balance, which can get harder and harder to repay.
With a payday loan you can normally borrow up to £750, depending on the lender, and the term normally varies between a few days and a month. You then settle the payday loan with a single repayment and can then use the service again whenever you need some emergency cash.
How do I apply for a Payday Loan?
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Complete our short advance payday loan application form.
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Within a few moments we will let you know if you have been approved. Sometimes we are unable to confirm details submitted to us. On the rare occasions where this might happen we ask you to forward us some simple documentation to enable us to approve your loan.
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Sign your loan agreement electronically simply via the internet.
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If you apply before 5pm Monday to Friday we will deposit into your account the same day. Apply after 5pm and we will deposit your funds on the next working day. If you need funds in your account on a Monday then simply apply over the weekend and we will take care of the rest.
Remember though, an Advance Payday Loan is a short-term loan and repayable in full on the agreed payment date.
Are payday loans right for me?
Payday loans can help with various types of financial emergency. You can:
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Pay those ‘Final Demand’ bills and avoid incurring default charges
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Replace your washing machine if it's broken down
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Make emergency repairs to your car
- Organise emergency child care for your children
How much money can I borrow?
You can typically borrow between £100 and £750 depending on your circumstances. To find out how much you can borrow complete our quick payday loan application form today!
How much do I repay and what is your APR*?
Our interest fees are very simple, we charge £25 for every £100 borrowed. So you will always know exactly where you stand and be very clear about what you need to repay. There are no arrangement fees to set up the loan.
* APR stands for Annual Percentage Rate
How do I repay my payday loan?
Repaying your payday loan could not be easier.
We simply debit the payment from your debit card on your following payday for the agreed amount, it's that simple and nothing further for you to do.
Can I defer my payday loan repayment?
We do understand that occasionally people will need to borrow money for a second month. We call this a deferral. You will have to repay the charges and we suggest you pay as much as possible to reduce further charges.
Simple Rates?
So long as you are in work and have a fixed address your previous credit history is irrelevant to us. We believe in giving people second chances so apply for your 
Payday loans should not be used as a long-term solution for debt. However if you have emergency costs or bills which need to be paid immediately you can avoid penalty charges with a short-term payday loan.
We always provide you with a short-term payday loan that you are capable of repaying and we then inform the credit agencies that you've been a responsible borrower which will improve your credit rating.