Below you will find answers to common questions people ask before they start making an online application for our payday loans. Once you start to make an application you may find that the other sections detailed on the main questions page are helpful.
You may be facing issues with card validation for one or both of the following reasons:
If neither of the above applies, call your bank to see if there is an issue with your card - perhaps it's a new card and hasn't been activated yet? Or perhaps you have changed address and the bank hasn't updated their records?
Your pay dates are checked for accuracy against our database as we hold the pay date frequencies of many companies. Check that the pay dates you have entered match the 'Frequency of Wage' you have selected. You do not need to adjust your pay dates for weekends or public holidays as the system will account for these. If you have selected 'Specific Date' as your payment frequency, please make sure that the day of the month is the same in the next and following pay dates you enter.
If your application is approved before 5pm we typically send payment instructions to our bank/payment provider on the same day. If your application is approved after 5pm we typically send payment instructions to our bank/payment provider on the next working day.
Important information: Payment instructions are only sent to our bank/payment provider once your application has been approved, the loan agreement has been signed by us, and on the date(s) stated in your loan agreement, NOT from the time you apply. As a responsible lender we have a number of checks to conduct before we can approve your application including, in some instances, a discreet call to your employer. Once we have instructed our bank/payment provider to make payment then the rest is down to the bank/payment provider network regarding the actual time it takes for the funds to show in your account. This can take up to 3 working days. As you can appreciate this is out of our control. We have every confidence in our systems and processes, however if you feel we have not met our time commitment then let us know.
Our website is available 24/7, subject to any unscheduled or scheduled system downtime. If you are a new customer you can apply for a loan over the same time period however, we are only able to process your application during business hours. If you are a returning customer, you can login to your online account and request a new loan 24/7. In some cases we may be able to process and approve your application for another loan 24/7, however, as a responsible lender we may need to carry out further checks, for example if we haven’t heard from you for a while. We carry out these further checks during business hours.
As a responsible lender we will NOT allow you to "roll-over" your loan to your next payday by paying the interest accrued to date. Our loans provide a solution for your occasional short-term needs. They are not suitable for supporting sustained borrowing over longer periods, nor if you are in financial difficulties. If you require a longer term solution there are other more suitable forms of finance available elsewhere.
We are committed to responsible lending. As a first-time customer the maximum you could qualify for would be £200. A typical first loan is £80, but it may be less than this amount. The final figure will be decided by us and given to you as part of the application process before you sign your loan agreement. If you use the service responsibly we may give you the flexibility to apply for more cash in the future, should you need it, up to a maximum of £800.
If you have received an email or SMS to complete your application it means we have been passed your details by a third party who told us you are looking for a short term loan. Simply click the link and follow the instructions to finish your application by inputting your debit card details. If you have any problems or questions please contact us.
We assess every application on an individual basis and never guarantee acceptance. As part of our checks we may place a very discreet call to your employer to check your employment. We never disclose the purpose of our call and only ask to speak to you. Our identity when calling is '247'. Confidentiality is of the utmost importance to us. Please ensure you have provided valid and correct work contact details. If you need to update these please email: email@example.com.