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Representative APR 2957.3% (variable)
Representative Example: Amount of credit: £225 borrowed for 28 days. Interest: £67.50. Interest rate: 391.1% p.a. (fixed).
Representative APR: 2957.3%. Total amount payable: £292.50.
The Representative APR will depend on the lender you are placed with.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

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"I used the help payday website to compare different lenders so I could find the loan that was going to cost me the least for the amount of time that I needed the money. The website seems to do more to show you how much the loan will cost than other websites I have used. Thanks for your help"

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The Questions You want Answered

How much can I borrow?

Jane Thorpe, Surrey | posted 4 days ago
We can help with loan amounts of £100 - £1000. However the exact loan amount you are able to borrow will depend on your own individual credit score and the criteria of your chosen lender. Once our system has matched you with a lender you will be able to see the full details of the loan.

How quickly can I get the loan?

Mark Jones, Manchester | posted 7 days ago
Some of our lenders can pay out your loan as quickly as 15 minutes. Others take a day or 2. It really depends on your own situation. Some lenders may ask you for a copy of a pay slip before approving your loan, so as soon as you get it back you can get your payout. On average customers receive a loan within 1 hour.

What is a payday loan?

Jenna Alcock, London | posted 7 days ago
A Payday loan is a short-term loan designed to be paid back when you next get paid. It should be used as short-term cash only and it not suitable as a longer term solution. If you will not be able to repay in full on your next payday they you should find a longer-term solution.

We've made finding a loan quick and easy

Sometimes things happen you don’t plan for and you need cash quickly. Rather than search the internet looking for the right lender just complete our simple 1 page application and we’ll search over 40 lenders for you and match you to a lender in minutes where they could deposit the funds into your account the same day.1 The best part is our website is it's completely online and FREE!

Only borrow money if you can pay it back

Only borrow money if you are sure you will be able to pay it back. If you are struggling with your financial commitments then you should NOT borrow more. If you have existing loans that you cannot afford to repay you should contact your lender and discuss the situation, please don't attempt to borrow more money. The details of your actual loan will be between you and your chosen lender, not us at help payday. Please make sure you read the terms and conditions from your lender very carefully before agreeing to the loan.

Rolling over your loan

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.

Payday loans are only a short term option

Payday loans are designed to be used as a short term option only. If you do not fully repay your loan on the date agreed with your lender then your lender might add additional fees and charges to your loan that make it a lot more expensive. Your lender may also report your repayments back to the credit reference agencies, so if you fail to meet your repayments your credit rating might be negatively affected. If your circumstances change and you struggle to repay your loan you should contact your lender immediately to work out a more appropriate repayment plan.

Repaying your loan

Most Lenders will use the card details you provide to collect your repayments on the agreed date. Some lenders will ask you to set up a direct debit to make your repayments, If they have been unable to collect your repayment on your due date then they will usually keep trying to process a payment on your card for up to 90 days. Your lenders collection practices should be outlined in their terms and conditions.

What happens if you can't pay?

Sometimes people circumstances will change and they might be unable to repay their loan. If this happens to you then you need to contact your lender immediately to work out the best plan that you can afford.