Common questions before you make a payday loan application

Representative Example

Total amount of credit £80, duration of the agreement 29 days, rate of interest 292% per annum (fixed), total amount payable (in one repayment) £98.56. Representative 1281.8% APR.

Money worries can be stressful, so if you need advice why not visit or for assistance.

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.

Do I need to be 18 years old or over?


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Do I need to give a reason for my application?

No, as long as you remember that our loans are only suitable for short term borrowing needs. If longer term solutions are required, there are other more suitable forms of finance available elsewhere.

View for more information on applying for a payday loan

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Do I need to have perfect credit?

Bad or poor credit will not necessarily prevent you from receiving a payday loan, provided we are satisfied you can repay the loan without causing any financial difficulty. We look at each application based on recent circumstances.

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There is an error validating my debit card; what do I do?

You may be facing issues with card validation for one or both of the following reasons:

  • You need to have some cash in your bank account (this can be as little as £1).
  • Your card may not be registered to the address given on your application. This may be because it is registered to an alternative or previous address, or simply due to the format you have used to input the address.

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?

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There is an error with my pay dates; what do I do?

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.

Continue reading to find out about common errors in applications

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How long will it take to transfer my payday loan?

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.

Greater insight into fund transfer

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Can I extend my payday loan?

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.

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Do you carry out credit checks?

Yes, as a responsible payday lender we carry out a credit check.

Dig deeper into credit checks

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I only have a credit card; can I apply?

No, we do not accept credit cards as a form of payment. We only accept debit cards, but not prepaid.

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My partner has a loan; can I get one too?

No, we only allow one loan per household at any one time.

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How do I receive my payday loan?

Your loan is paid directly into your bank account and is then available for you to withdraw at your convenience.

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How much can I borrow?

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.

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Can I apply over the phone?

No, applications need to be submitted online.

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I have received an email / text asking me to click a link to complete my application - what do I do?

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.

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There is an error validating my address; what do I do?

Please type your address carefully; ensuring that only the house name or number appears in the first box. If you are unsure as to how to format your address correctly, you should check using the Post Office address finder service.

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If an application is referred, how long until I hear if I'm approved?

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:

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