Simple Payday

here to... save the day!

payday loan calender

Apply for a loan of up to £1000 today*

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Why Simple Payday

Same day deposits and often funding within the hour*
Payday loan clock graphic

Most of the lenders that we work with offer same day faster payments. So if you qualify for a loan you can expect it in a couple of hours at most*.

Avoid catastrophe and avert disasters

Plug the leak in your life until you get paid. Payday loans give you enough space to breathe until you reach the end of the month and your pay-cheque.

Gone in 60-seconds...apply today and have an online decision
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We know emergencies require quick responses and so a payday loan will take mere minutes to apply for and the decision is made while you wait.

Are you eligible?

Over 18?
Are you a UK resident?
You'll Also Need a Job
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Do you have a financial emergency?

When you find yourself in an emergency situation and simply do not have the funds, or the resources in order to cover it, payday loans could be the solution to your short term financial problems. Designed to cover you for emergency situations just before payday arrives, we offer short term loans as a means to bridge the gap between paydays.

The application process couldn't be easier, if you meet the basic criteria you could be approved. Loans between the amounts of £100 and £1000 are available and all that is standing between you and a decision on how much you can borrow is a simple 2-minute application form. The funds are then dispatched the same day* direct to your UK bank account.

We're an established appointed loans introducer and as such adhere to a strict set of rules and regulations as set-out by the regulatory bodies. We are fully transparent with our terms and privacy policies and also will never charge you a fee for our services. Please note that borrowers are not under any obligation to take out a loan simply by filling out the application form. It is only after this form has been filled out that you will be offered a decision and a loan agreement, the signing of this loan agreement necessitates a commitment under the terms outlined in the agreement.

Fill out an application and get a decision online

Easy as 1,2,3...

  • Read the website fully to understand
    what payday loans are and the charges
  • Fill out the 5-minute application form
    through this website
  • Receive a decision from our panel of
    lenders quickly

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One-time payment

Payday loans carry an easy to understand interest. This is repayable on your next payday*

Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

These loans carry a higher APR as they are repaid after only one month and not a year

Charges

Let us help

Our customers come from all walks of life and all backgrounds. They utilise the ease and simplicity of same day loans for any number of financial emergencies.
  • • Broken down car - Crucial if vehicles are used for work or for school run
  • • Overdue bills - Phone bills, electricity or gas
  • • Emergency dental treatment - You can only put up with toothache for so long
  • • Unplanned overdraft - These fees can increase daily

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Don't run into trouble and plan ahead

Payday loans can be a help to many people but a hindrance to many that fail to repay these high interest loans on time. These loans carry a higher APR than any other form of credit on the market. This leaves many protesters, protagonists and observers with the collective thought that this form of borrowing is to high cost and does not serve the greater good of low income families. What these groups of people are neglecting is the fact that other financial institutions, namely banks and building societies, charge just as much interest for customers that go overdrawn on their current accounts as payday lenders do for their services.

Those that can handle their finances - and not often caught short before their payday arrives, then for those people short term loans can be used in a positive manner. Where the problem arises is when a person that cannot manage their money fills out an application, receives a loan and the next month (added also to the fact that they cannot handle their finances under normal circumstances) they also must now repay a loan from the previous month. This is when you had customers’ rolling over their payday loan as they just simply cannot afford their monthly outgoings on top of the repayments loan amount.

This resulted in a nationwide clampdown on payday lenders that offered consumers credit that they could not afford. Many payday lenders were caught out and some payday lenders even filing insolvency since the legislation took hold. The industry now is regulated closely and all lenders and brokers checked incessantly to ensure that they are being fair to customers and their needs.

Payday loans needn't be a hassle if you can handle your finances correctly. What this means is that if you're often in the same position on a monthly basis where you run out of money one week or two weeks before payday this means that this will be happening more than likely in the forthcoming months. Therefore in this situation if you had to repay a loan plus interest along with your daily normal outgoings, you will find it hard to also repay a loan and charges on top. Meaning you are high risk of failure to repay and having to roll over the loan amount.

This is the group of people that are at risk from payday loans and should not utilise the services of payday lenders. Those not at risk include those that do not have a monthly problem and more like an occasional financial problem maybe once or twice a year.


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Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk