Frequently Asked Questions

Before I apply for a loan

1. How long does the application take?

It only takes five minutes from start to finish – this includes signing for your loan!

2. How much can I borrow?

You can borrow from £80 up to £750 depending on your personal circumstances. We will transfer the funds to your account on the same working day as your loan is completed.
Please be aware that banks may take up to 3 working days to clear the funds.

1737%APR Typical

3. I don't understand your APR?

APRs are a good way of comparing similar products but are not so effective when comparing different products. The following table demonstrates this:

As you can see the APR for the two installment loans are the same but the actual interest repaid as a percent of the loan is hugely different – and much lower with payday loans.

4. Can I get a Payday Loan?

If you are over 18, in full time employment and earning more than £750 a month, you are likely to qualify. All you then need is a bank account for us to pay the loan in, with a debit card for you to repay!

5. What information do you need?

Our simple online form only requires the following information:

Your name and address
Your date of birth
Your contact telephone numbers and email
Your work and pay details
Your bank account and debit card details

6. Why do you need all this information?

We are a responsible loan provider and this means that we need to verify:

That it is you taking out the loan
That you are in full time employment and able to repay the loan
That we put the money in your account and no-one else’s account
That you can repay us in a simple and hassle-free way

7. I have a bad credit history - will this affect my loan application?

Not necessarily. We look at each application based on your recent circumstances.

8. I don't have a debit card - can I still apply?

We require you to have a debit card in order for us to take your loan repayment.

Getting a Payday Loan

1. What do I have to do?

Occasionally we will be unable to confirm all details automatically. Should this be the case we will ask you to fax in simple documentation for us to be able to approve your loan.

Complete our quick application online. If you are approved, you will be asked to complete your bank and debit card details and then sign your loan agreement. We will do the rest!

2. When will I receive my loan?

We will transfer the funds to your account on the same working day as your loan is completed. Please be aware that banks may take up to 3 working days to clear the funds.

3. How will I get my money?

It’s paid directly into your bank account so you can access it as you would normally take money from your account.

4. Can I have two payday loans at the same time?

No all prior payday loans have to be repaid before another can be offered. This is because we are a responsible loan provider and want to ensure you can easily pay what you borrow.

Paying back my Payday Loan

1. How do I pay back my loan?

Easy – we take the agreed repayment amount from your debit card on your next payday – there’s nothing else for you to do.

2. Can I defer my payment?

Yes - although after deferring the payday loan twice we will ask you to start reducing the balance. Deferral will incur new charges for every month the loan is deferred – but still at our fixed rate – there are no additional charges.

3. My payday or debit card details have changed

If your payday has changed, or you have a new debit card, please contact our customer services team on 0871 271 6111 as soon as possible and they will make the necessary changes!

4. What if I have problems paying?

We understand that people’s circumstances can change. If this is the case, you must let us know as soon as possible and we will do our best to help.

The most important things to note are:

Don’t borrow money you don’t think you can pay back
Talk to us and we will help as much as possible