About payday loans & how they can help

The payday loans offered on this site are short-term loans for people who are basically solvent but who are temporarily short of cash for one reason or another. Applicants need to be living and working in the UK, be over 18 years old and have a regular income paid directly into their bank account.

The loan amount typically ranges from £80 to £750 (in some cases the maximum loan amount for first time customers is around £400) which is usually lent over a maximum period of 40 days, until the borrower's next pay day. The charge for a payday loan is typically around £25 to £30 for every £100 borrowed - repayment is taken from the borrower's account by direct debit or by debit card.

It is important to remember that a payday loan is designed to be a short-term solution to a temporary cash shortage situation - not an answer to more serious long-term debt. If you have more severe long-term debt problems then independent debt management advice may be a better course of action.

If you have been caught out by an unexpected expense such as a car repair bill, dental costs etc., and you are confident that you can repay a loan on your next pay day, or over the next couple of pay days, then a payday loan could be a life-saver.

They sometimes get bad press, but if you use payday loans in a responsible way and only ask for an amount you are confident you can ultimately repay, a payday loan could then be the best answer to your short-term financial needs.

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