Payday loans are quick and easy – thousands of people use them to manage their day–to–day finances more effectively – here's how.

• You find yourself a bit short of cash – an unexpected bill crops up – or there's something you want to buy. Just fill in our secure online application form – and press the button.
• Our system searches many loan providers, and within minutes one generally offers you the loan you want. Once you confirm acceptance of the terms, your loan is deposited directly into your account – often on the same day you apply.
• On your next payday the repayment (loan amount plus lender's charges) is taken from your direct debit card

Typical loan examples

Pete and Claire from Brighton borrowed £200 over 15 days. The total amount repayable was £250. The APR was 22694%

Sally from Birmingham borrowed £200 over a 30–day period. Her total amount repayable was £250. The APR was 1355%.

As you can see from these examples, the amount repayable stays the same, even though the APR fluctuates, because repayment charges are fixed. Please check all costs associated with any loan offered to you before accepting it.

Your questions

Q: Who can get a loan?

A: Applying is about your ability to repay next payday rather than where you live or your credit history. We welcome homeowners, tenants, or people living with their parents. You can have a good or bad credit score.

Q: Can I still get a loan even if I have bad credit or no credit at all?

A: Yes, it may still be possible for you to get a loan. Lenders will consider your current financial position and see if you will have sufficient funds in your account on payday to make repayment and cover your other financial obligations.

Q: How much can I borrow?

A: You can apply to borrow anywhere from £80 to £750

Q: How quickly can I get the money?

A: Many loans can be approved and the money transferred into your bank on the same day. In a few cases your loan could take up to 48 hours to arrive, depending where you hold your current account.

Q: How do I pay back the loan?

A: It's easy. Your lender will simply take the repayment (loan amount plus their charges) from your debit card on your next payday.

Q: How long do I have to pay back the loan?

A: Most people take out loans over a minimum of 7 days, with 21 days the maximum term. Repayment is always made on your next payday.

Q: Can I roll my loan over to next payday?

A: Yes – although after rolling over twice you'll be asked to start reducing the balance.

Q: What are the fees for a loan?

A: Generally £25 per £100 borrowed