Real-time decision loans
Receive Approved Funds in 60 Minutes *
A loan of £1000 over 18 months will cost you £87.22 for 17 months and a final payment of £87.70 at a representative 79.5% APR. Total repayable: £1570.44 including £570.44 interest at 60.0% p.a. (fixed). Rates from 48.1% APR to 1300% APR. The minimum loan term is 3 months. The maximum loan term is 36 months. Representative 79.5% APR.
* Any application, approval, rate, term, credit amount or payment time is subject to lender checks, affordability, status and payment processing times. Approval and funding are not guaranteed.
Our quick online application takes just 60 seconds, no paperwork needed. Find out if you'll be approved with no harm to your credit score. All loans are subject to status and lenders’ affordability and creditworthiness checks.
Affordable Loans Built for More UK Borrowers
Our 1-minute online application is straightforward and paperless. It's designed to save you time - no complicated forms, no long waits.
Once your application is approved, your money could be on the way. Most loans are processed and transferred the same day.
Protecting your information is our top priority. We use advanced encryption and security protocols to ensure your personal data is safe.
Soft search technology lets you check your loan options without affecting your credit score. It's a safe way to explore what's available to you.
More questions? We've got you covered
Payday loans are typically available to anyone who meets basic requirements, such as being over 18, having a stable income, and holding a UK bank account. Eligibility criteria may vary between lenders.
Most lenders aim to transfer funds shortly after approval, often within minutes. However, the exact timing may depend on your bank's processing times. Funds may be sent the same day depending on lender checks and bank processing times.
Your credit score is not affected when you use soft search technology to check eligibility. However, once you proceed with a full application, a credit check may be conducted, which could slightly impact your credit score. Failing to repay on time could also harm your credit history.
If you're unable to repay your loan by the agreed deadline, you may incur additional charges or fees. It's important to contact your lender immediately to discuss repayment options or potential extensions. Ignoring the issue could harm your credit score and make borrowing in the future more difficult.
The Financial Conduct Authority (FCA) oversees payday lenders in the UK. Borrowers are safeguarded by strict rules, such as a cap on daily interest rates, a limit on default fees, and a total repayment cap, ensuring you won't pay back more than double the amount borrowed.