Payday Loans Available Here!

Compare Payday Loans here!

On this website we compare different payday loan services so that you can choose the best option for you. Some payday loans can be more expensive than others and the sensible thing to do is look around to find the best deal you can. When looking into payday loans the first thing to do is work out exactly how much money you need as some payday loan companies can lend more than others. After that find out how much the representative APR is on the payday loans you are comparing. The representative APR on payday loans should include not just the interest paid on your loan but also any other charges associated with the loan and these costs should be displayed in the representative example. Our site should also inform you how much you will have to pay back per £100 on your payday loan. However, be sure to check how the costs of borrowing are affected by the length of time you borrow for as different payday loans can vary.

PROVIDER	TYPE	AMOUNT	REPAYABLE ON £100	TERMS & CONDITIONS	ID REQUIRED	REPRESENTATIVE APR	DEBIT CARD	BANK ACCOUNT	APPLY
Payday Kong	Broker	£100 - £1000	£120 - £129.5	You must be over 18 years old and employed to apply for a loan	No paperwork, nothing to fax.	1286.2%	No	Yes
	Payday Kong is a fast and efficient loan brokerage service. They work with a large panel of lenders in order to get you the best loan they can. Payment is usually required within 31 days and the money can be transfered using debit card payments . Apply to access lots of payday lenders while filling out one form. Representative APR 1286% Total Amount of Credit: £160; Representative APR: 1286%; Duration of Agreement: 31 days; Total Charge of Credit: £25; Total Amount Payable: £185
My Payday Lender	Broker	£80- £1000	£125	You must have a monthly income of over £750 and be in full time employment.	Bank account details	1286%	No	Yes
	Mr Payday Lender will try to provide you with an emergency cash solution in the form of a payday loan when you need it the most. They will try to find you the best loan from a variety of lenders so that you don't have to try each one individually. Representative APR: 1286%; Duration of Agreement: 31 days; Total Charge of Credit: £25; Total Amount Payable: £185
Uncle Buck	Lender	Up to £1000	£130	You must be employed and you will be assessed as to whether you can pay back the loan.	N/A	2100.4%	Yes	Yes
	Uncle Buck is one of the UK's premier payday loan providers and they can even provide loans to people with bad credit. New customers can borrow up to £400 but existing customers are able to borrow up to £1000. Their application system is really easy so if you're looking for payday loans Uncle Buck may be a good place to go! Repressentative Example: Total Amount of Credit: £200; Representative APR: 2100.4%; Duration of Agreement: 31 days; Total Charge of Credit: £60; Total Amount Payable: £260 Address: Uncle Buck – Unit 451 Biggin Hill Airport, Westerham, Kent TN16 3BN.
Bonga Loans	Lender	Up to £100	£110	18 And Have Bank Account.	Bank Account And Debit Card.	14348%	Yes	Yes
	Bonga Loans can provide you with a £100 payday loan in no time. It is best to pay this loan back within one week and then you will only have to pay back £110 on £100 otherwise the interest on this loan can get more expensive. Once you are registered you can request to borrow £100 with a text message whenever you need it. Repressentative Example: Amount of credit £100 for 7 days. Total amount repayable £110. Interest £4.50. Interest rate 235% p.a fixed. Transfer fee £ 5.50. Representative 14,348%APR.
Instant Loans Direct	Lender	£80 - £300	£115	You must earn a minimum of £750 per month and be employed or self employed.	Some ID may be required	448%	Yes	Yes
	Instant Loans Direct offer some of the cheapest payday loans on the market so they are really worth applying for as their APR is unusually low. Essentially this company aims for your borrowing fee to work out at around 50p per day. Representative 448.3 %APR. Borrow £100 for 30 days. The total charge for credit is £15 Interest is fixed at a rate of 15% p.a. The Total Amount Repayable is 1 payment of £115.00
Quick Quid Payday Loan	Lender	Up to £1000	£125	Acceptance of applications are based upon the borrower's likelihood of being able to pay back the loan.	No	1734%	No	Yes
	Quick Quid is one of the largest payday lenders in the UK and therefore have extremely good experience in the payday loans market. If you are accepted fo a payday loan by Quick Quid then the money should be in your account within the hour. Repressentative Example: Total Amount of Credit: £50; Representative APR: 1734%; Duration of Agreement: 30 days; Total Charge of Credit: £14.75; Total Amount Payable: £64.75; Address:QuickQuid, 483 Green Lanes, London, N13 4BS.

Warning About Payday Loans

There has been a lot bad press regarding payday loans or cash advance loans over the last few years and a lot of this is justified. There have been frequent calls for stricter legislation in the payday loans industry but for the time being the rules for payday lenders are very relaxed in comparison to other forms of lending. When considering payday loans it is really important to think about whether or not you can really afford a payday loan and what charges and costs will be associated with it. Most payday lenders should be up front about how much their payday loans cost. However, there are payday loan companies who may charge you to find you a loan or add hidden charges to your payday loan so make sure you read the terms and conditions of any company you use to find a loan or borrow from.

Make sure you can afford payday loans

While there is bad press regarding payday loans the fact remains that in the current economic climate there are very few loans for people with bad credit available. If a bank or credit card company won’t lend to you and you cannot obtain money from elsewhere then a Payday loan may seem like your only option. However, we cannot emphasise enough how important it is to make sure you can afford a payday loan before you decide to borrow because the penalty fees for defaulting can make payday loans devastatingly expensive.

How long will my payday loan take?

Payday loans should only be used to bridge the gap between running out of cash and your next payday when there is no other alternative. Most payday lenders can provide sums of up to £400 on your first application, after that you may be able to borrow more with some payday loan companies. The usual term of borrowing payday loans is one month but some companies may offer more or less time and at different rates of interest. After applying for a payday loan, if you are accepted the money can often enter your account on the same day, sometimes even within the same hour.

Will I qualify for a payday loan?

To qualify for a payday loan you will need a bank account, a regular income and often a debit card. In the majority of cases regarding payday loans it will not matter if you have a bad credit history. Payday loans are unsecured and so you do not have to stake your property as collateral for a loan. Payday loans may seem like a good idea for your circumstances but you should only use payday loans as a last resort. The most important issue is to make sure that you can clear the debt of a cash advance loan within a month. If you are already in debt payday loans tent to be a terrible option as more often than not a payday loan can end up making your debts even worse.

When should I Get A Payday Loan?

The Representative APRs on payday loans look and are very high but you are not borrowing for a year. You should not borrow payday loans for more than a month and this means that you will keep the amount of interest which you pay on a payday loan down. If you are trying to avoid missing a credit card payment or going into an unauthorised overdraft then a payday loan might work out cheaper depending on your circumstance but in these sorts of cases make sure you know what you are doing. Otherwise payday loans should only be used as an emergency cash solution when there is no other alternative.