Higher Approval Rates for Payday Loans

As one of the UK's leading brokers, we work with multiple lenders. This means you get a higher chance of being approved with just one application form!

Fast Decisions for Fast Cash

Whether you're at home or on your phone, it's easy to apply with Payday Bank. It only takes a few minutes, and you'll get a fast decision. If you want, you can also apply over the phone on 0843 506 0187.

Safe, Secure Service for Complete Discretion

We use SSL protection to make your application and information as safe as possible. So you can be sure your details will be protected.

Your Privacy with Payday Loans

We use SSL technology to make sure that your application is kept as safe and secure as possible. Your application won’t be discussed with anyone other than our lenders, as we believe that payday loans are as private as any other personal finances. We also won’t hassle you with phone calls afterwards, as we don’t believe in using outbound marketing calls. Any information that you may be sent about payday loans after applying will be done in a way that you can easily opt out of.

Your chances of being approved for payday loans

You’ll stand a significantly higher chance of being approved for payday loans by using a non charging payday loans broker like payday bank. Because your application will be sent to multiple lenders, you’ll be in a much better position than applying with just one lender. Even if you were to apply to each lender separately, it would take much, much longer. This allows you to do just one application, and in the same amount of time, deal with multiple payday loans lenders. It’s that easy!

Your criteria for Payday Loans

We don’t have complicated criteria in order to apply for payday loans. If you’re aged 18 or over, in employment with wages paid into a UK bank account and are UK resident, you’ll be eligible to apply.

Responsible lending

Please make sure that you can afford to take out a payday loan before you apply. Budget for the next month, and make sure you can make the repayment, otherwise you are likely to gain extra interest on the amount you repay. Find out more on how we support you to borrow responsibly.

* This may vary from lender to lender, some lenders may take up to 48 hours. We do not guarantee you will be approved for any amount.

Implications of Non-Payment
We always recommend repaying on time, and our representative examples assume that you will. If you are unable to pay on time, each lender has their own policies with regards to fees and interest, and how they collect outstanding debts. Some lenders may pursue claimants by legal means in the event of repeated non-payment. Most will contact you by phone or letter in order to rearrange payment. Non-payment may result in charges and/or raised interest and may affect your credit score.

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.

Renewal Policy
You may have the opportunity to roll over your loan, which means paying off the interest earned to date and continuing to gain interest on the original loan amount over an extended term. This interest will most likely be at the same rate that the original loan was charged at. Some lenders may insist on a rollover as opposed to a renewal.
More responsible lending information.