Instant Loans

Responsible Lending

A payday loan is a convenient way to obtain a short term personal loan intended to cover expenses until your next payday. You should evaluate the costs and benefits of all alternatives before borrowing.

Growth in the popularity of payday loans in the UK has exploded in the last several years. Well over a million people a year avail themselves of payday loans, with an average loan size of over £300. The government regulates payday loans through the Consumer Credit Act of 1974, mandating that lenders receive a license from the Office of Fair Trading (OFT). Furthermore, the Consumer Credit Act of 2006 empowers the OFT to close down lenders who lend irresponsibly. You can click here to download an informative leaflet from the OFT regarding responsible borrowing.

Doing Your Part

We want our clients to use payday loans appropriately. These loans are not meant to be long-term arrangements, and although payments can be rolled-over, we urge customers to borrow an amount that can be paid back on their next payday. If you use payday loans every pay period, you will find yourself in an unsustainable situation, and should consider other forms of borrowing.

We never ask about your reason for borrowing money – it's up to you to borrow for appropriate reasons. Failure to pay back on time will create further charges, so please refrain from borrowing more than you can pay back on time.

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