How it works

To get a quick loan you have to be 18 or over, UK resident, have a regular income source and have a UK bank account with a debit card.

Apply online

Applying for a payday loan is quick and easy. Just fill in the online form (it takes about five minutes) and you’ll receive an email decision from one of our lenders within a few minutes.

There’s usually no need for posting, faxing or waiting around. If accepted by the lender, you'll be asked to accept the lender's terms and conditions and if agreed, the money will be transferred straight to your bank account.

When you apply, you’ll be asked to input certain information such as your bank details, employment information and details of how the lender can reach you by phone and email. We search hundreds of loan providers to find one that suits you.

We accept applications from a wide range of people. You don’t need to be a homeowner or have a good credit score.

Access your money

If you have been approved and have accepted the terms and conditions, the money will be put straight into your bank account within a few hours*.

You’ll normally have the money the same day, depending on a few factors. It can be a maximum of 48 hours in rare circumstances.

The intention is that you repay the loan within 28 days.

The money will be taken out of your account automatically by the lender on the agreed date. This will usually be on the day that you next get paid.

Longer terms can be negotiated in some circumstances but this will make the loan more expensive. We do not recommend rolling over your loan.