UK Payday Loans operates in one of the busiest and most competitive niche markets in the UK.  Their fast and reliable service puts them above many other UK payday loan service providers.


In many instances, borrowers are looking for a speedy and seamless application process online, which gets them the most competitive payday loan rates available and the cash into their bank account as soon as possible.  This is exactly what is available at

Speed or Quality of Service?

This is a dilemma for most payday lenders, both online and in the high street.  Some providers promise the best rates, speed of application and after sales service, but fail to deliver on all three.  It is precisely these and other shortfalls by many providers that have given payday loans a bad name.  But, we intend to put this right and will strive to provide a speed e service with an excellent after sales service.


When you apply for a short term payday loan through us you can be confident that you’ll get the best possible rate currently available in the market, as long as you meet the lender’s basic acceptance criteria, even if you have a poor credit record.

Main Conditions

There are a number of criteria that a borrower must qualify for their application for a payday loan to be accepted.  These are:


  • Must be 18 or over
  • Must be a UK resident
  • Must be in paid employment (part or full time, but NOT temporary)
  • Must have their salary paid directly into a UK bank current account.


Some lenders require a credit check, but most don’t, so you can apply even if you have a poor credit rating.  But, ensure that you are able to pay back the loan and charges for the short term you select, as failure to do so will have a high cost and will potentially mount up to multiples of the original loan.

Minimum and Maximum

Most short term payday lending in the UK is for amounts of £100 to £1000, which can be borrowed for between 3 and 30 days.  A small percentage of these loans may not be repaid by the individual.  They will then get a number of options by the lender, e.g. re-pay the original loan and take out a new short term loan to pay for the charges; which is termed a Rollover loan.

Rolling Over a Payday Loan

This is requested by the borrower in cases where they are unable to repay the original loan amount and the charges or only the charges.  The former scenario is highly risky and can lead to a small loan increasing very quickly to many multiples of the original amount borrowed, which can place the consumer in a worse situation that they started with.  The option to rollover a loan to pay for the charges is safer and will not result in a fast escalating debt.


A number of our customers do come back to borrow on three or more occasions in a year, as they find our fast and reliable service second to none.  The repeat customers are the best sign that we are doing things right.

The Basics of Short Term Payday Loans

Some media commentators and politicians regard payday loans as predatory and immoral.  However, like most things in a well developed market, where there’s a need there will be suppliers.  Many of the individuals in need of a short term financial fix to cover an emergency or cash shortfall would end up going to loan sharks and back street lenders if it wasn’t for the well developed payday loan sector in the UK.  Of course, not all providers are squeaky clean or treat their ‘customers’ well.  This is the reason that most companies and agents in the sector welcome the government legislation being introduced in 2014, which will kick the bad apples out of the play.

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