Home Will I be approved? Apply Guides Contact us Responsible Lending At Payday Loans Limited, we take responsible lending very seriously and do our best to ensure any online loan applied for is affordable. Please only apply for a loan that you can afford to repay and ensure you read the terms and conditions of a loan agreement. MAX/MIN TERMS OF REPAYMENT & MAX APR The loans offered on this website have minimum repayment terms of 3 months and maximum repayment terms of 36 months. Lending rates vary from 9.3% APR to a maximum APR of 1294% APR depending on your circumstances. COLLECTIONS PROCESS If you’re having difficulty making a payment please contact the lender directly. Should the situation remain unresolved the lender may reserve the right to pass your details onto a third party collections agency. IMPLICATIONS OF NON-PAYMENT We always recommend repaying within the agreed timeframe. Each lender has their own policies with regards to fees and interest, and how they collect outstanding debts. Most will contact you by phone or letter in order to rearrange payment. Non-payment may result in charges and/or raised interest. We suggest contacting your lender as soon as you are aware there is a problem, as otherwise, it may be noted on your credit record. AUTO DECISIONING Auto decisioning allows lenders to make a decision on your loan application without the need for human interaction. LATE PAYMENT If you are unable to make your repayment on time then you should contact your lender immediately. Lenders may charge a late payment fee which could range between £1 – £100. This will vary between lenders. For more information please read the terms and conditions of your loan agreement. RENEWAL POLICY If you wish to renew your loan, you should contact your lender in advance. Most lenders will charge the same rate of interest and fees for another month on the entire amount owed. In the event of non-payment, a loan renewal/extension could be automatic and further interest and/or charges may be added to your account. Please note that renewing your loan is not recommended if you are struggling to keep up with your repayments on any of your existing credit. If you are struggling or are unable to meet your contractual repayments, you should contact your lender immediately. You can also seek independent, free debt advice. CONSOLIDATING EXISTING DEBTS If you are looking to consolidate your existing debts, please be aware that your new loan may be at a higher rate of interest, over a longer repayment period and increase the total amount you repay. Ready to Get Started? How much do you need? GET YOUR QUOTE No obligation, 100% secure. Trustpilot Instant quote with no credit check† and no fees. Small loans can be sent by 1:56pm today.* Over 4500 no obligation quotes processed every single day!^ Payday UK is a registered trading name of Payday Loans Ltd who are an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender. Registered in England and Wales (Company number 12430457 / FRN 921539). Licenced by the Information Commissioners Office, (registration number ZA654345). Registered Office: Payday Loans Limited, The Charter Building, Charter Place, Uxbridge, UB8 1JG. Flux Funding is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 806333. †Payday UK will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search. *Subject to lenders requirements and approval. Once approved, your cash could be sent within 10 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. **Based on the average number of applications in February 2020. ^The average number of daily loan quotes processed by Flux Funding Limited between 1st July and 30th September 2019. Payday UK does not charge customers a fee for using its services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement following an introduction through this website. Payday Loans Privacy Policy Terms Acceptable Use Cookie Policy Responsible Lending Complaints Loan Types Payday Loans Direct Lenders Bad Credit Loans Small Loans Loans Without Guarantor Instant Payday Loans Quick Loans Short Term Loans Bad Credit Short Term Loans paydayuk.co.uk We're Promoting Privacy Cookies are small files that are stored on your browser. We use cookies and similar technologies to ensure our website works properly. SILVER GOLD PLATINUM 1 month 6 months 12 months Highest level of privacy. Data accessed for necessary basic operations only. Data shared with 3rd parties to ensure the site is secure and works on your device Save my preferences Preferences Cookie policy