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Before you apply for a loan

Does it take long to apply for a loan?

Not at all! Usually it takes just a few minutes to complete the application form. We did everything possible in order to ease and accelerate the process. Basically all you need to do is to fill in some basic information about yourself and bank details. In most cases it won't take longer than 5 minutes to complete the application.

What are the requirements?

In order to get a loan you must be 18+, your salary must be not lower than £500 a month, you must be a current resident of the UK and have a bank account (debit card is also required). If you meet all the mentioned requirements then you won’t have any problems getting a loan.

What do you need my information for?

We ask you for your information in order to verify some essential details before we make an agreement. For instance, we might need to make sure that you are actually the person who applies for the loan and we also might need to check your ability to repay the loan.

Do you check credit history?

It all depends on the lender you choose however in some cases they do perform credit check. Anyway in most cases it doesn’t affect your ability to get a payday loan.

Is it possible to apply if I have a bad credit?

Yes, it is. In most cases lenders do not care about you previous credit history that much but they do care about your current ability to repay the loan. This is basically what makes it different from other types of borrowings.

How much do I have to pay above the amount I borrow?

In terms of repayment, costs are generally £25 on top of every £100 which is borrowed. This will then be repaid on your agreed date. To find out how much you will have to repay, you can figure this out using our handy slider or check out our loan charges.

In most cases you will have to pay about £25 on the top of every single £100 you borrow. In order to estimate the exact amount of money you’ll have to pay you can use the slider at the website, which will help you to figure it out.

How much does it cost to apply?

Nothing! We do not charge you any money for applying. The onlt money that you have to pay on the top of the amount of money you borrow is the interest which is calculated before you apply for the loan.

Who Are You Regulated By?

Our payday loan online service is regulated by the Office of Fair Trading (the OFT).

What do I do to apply for a loan?

There is nothing hard applying for a short-term loan using our convenient online service. First of all, you need to fill in the application form, which will take you a few minutes to get done with. Then you information will be checked against the database of available lenders in order to find the best match.

If your loan application is approved then you will receive all the necessary information about the loan, its conditions, and the contract, which you have to sign and submit online in order if you decide to take the loan. This is it! Within an hour or two you’ll have the necessary amount of money on your account.

If you still have some questions about it then you might want to check the How it Works page in order to get more information.

How long does it take to get the loan?

In most cases our clients recieve their money within an hour after they signed the contract.

How Do I Repay my loan?

In order to make this procedure as easy for you as possible we made it all automatic. So on the due date the amount of money you borrowed plus interest will be written off your bank account automatically. You just need to make sure that you have enough money on your account at the day.

Is there anything I can do if I Can't Afford My Repayments?

In this case you should not suspend the judgment and contact your lender as soon as you can. Your lender will advise you on how to deal with this problem.

What Is Renewal Policy?

It means that you are able to defer repayment of the loan until the next month. It is possible however it is not recommended because in this case you will have to pay higher interest on your loan. Anyway if you feel like you need to defer the payment you need to contact your lender and make the necessary agreement about the deferral.

What Happens In Case Of Late Payment?

In case if you know that you won’t be able to repay your loan at the date then you should contact your lender as soon as you can. Keep in mind that in this case additional charges may appear.

What Does Policy On Responsible Lending Mean?

All the information considering responsible borrowings is placed on 'Responsible Borrowing' page of the website

How Can I Contact You?

You can find all the contact information at 'Contact Us' page

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