The payday loan industry, overseen by the Financial Conduct Authority (FCA), adheres to stringent regulations to ensure consumer protection and prevent excessive charges for short-term borrowing. When comparing lenders, it's crucial to opt for FCA-approved direct payday lenders that promote responsible lending practices. FCA-registered lenders like us possess full UK licensing for lending and consistently prioritise customer well-being. To confirm legitimacy, look for a lender's authorisation number displayed on their website, cross-referencing it with the FCA register – our reference number is 673907.