We try to make the whole process application process as simple as possible. All you need to do is complete the application form with your details, hit the submit button and your application will be processed. You can borrow between £100 and £1000, and you repay it back on your payday directly from your bank account. Money will be taken from your bank account automatically – you do not need to do anything (just make sure you have enough money to repay the loan on that day).

The decision is usually reached after around 30 seconds. Once you are approved for your payday loan, you will receive a confirmation email. Simply follow the instructions in the email and wait for the funds to be transferred into your bank account. You will be transferred to a website of the lender that accepted your application – they might send you a short text message with a code you have to input into the website to confirm your identity. You will usually also need to sign the application on the screen to release the funds. It really is that easy to get up to £1000 paid into your bank account without any delay.

Many applicants asked us questions about the service we provide. Below is a summary of the most frequently asked questions about the payday loans we help arrange.

• Who qualifies for a payday loan?

We do have some simple lending criteria. First of all, you must have a valid bank account that will accept direct debits. This may be a basic bank accounts that does not come with an overdraft or debit card. You should be at least 18 years old. The applicants need to be residents of the UK and be eligible to work in the United Kingdom (England, Scotland, Wales or Northern Ireland). We want you to pay the loan off, so you must be employed and receive a regular salary – minimum £750 a month after taxes. The salary must be paid directly into your bank account.

• Do you check my credit history?

Some of the lenders and brokers we work with check it, others don’t. If you are declined by one lender, our system will send the application to another one, until we can get you the loan you requested. This is the advantage of using a payday loan broker rather than approaching the lender directly – because of the number of lenders we work with, we can arrange a payday loan for almost everyone.

• I have an adverse credit history, can I still get a payday loan?

As we mentioned above, we work with numerous lenders and brokers specialising in payday loan sector. Consequently, we probably could get a you a loan even if you had problems in the past or have been refused elsewhere. Complete the application form and find out in 30 seconds if we can help you – worst thing that may happen is that our system declines your application.

• Do you charge any upfront fees?

No, we do not charge anything, at any stage. Naturally, the lenders will charge you interest, some might charge you other fees as well – please make sure you read their Terms and Conditions before accepting a loan offer.

• I am not sure if a payday loan is right for me – can you offer me any advice?

We require all applicants to be at least 18 years old and we assume we are dealing with responsible adults. We do not offer any advice or recommendation – we simply match your details with a prospective lender so that you can make an informed decision whether to go ahead with that lender or broker, or not. If you are not sure if a payday loan (or a particular lender or broker accepting your application) is right for you, speak to an independent financial adviser.

• When will I get the money?

If you are approved, in most cases the money will be in your bank account the next business day. Please contact the lender that accepted the application in case of any delays, or if you have any other questions or comments about their services.

• I took a payday loan, but I have problems paying it back – what should I do?

We understand that people’s circumstances can change and we treat everyone sympathetically and with respect. If you cannot pay the loan back on time for any reason, you must let the lender know as soon as possible. Please remember to not to treat payday loans as long term financial solution and only borrow the amount you will be able to pay back comfortably. If you feel you need help sorting out your financial situation, speak to your local Citzens Advice Bureau, they should be able to put you in touch with a reputable debt management company.

• Am I safe using your website? Who are you?

We are an OFT licenced credit broker, complying with all relevant rules and regulations regarding credit brokerage and credit advertising. We are also registered with Information Commissioner’s Office, to be able to lawfully process your data. Our details are in the footer of this website. If you would like to learn more, please read our Terms and Conditions. If you have any questions, comments or feedback you can contact us here.