Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
*We are an authorised credit broker not a lender

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When you’re faced with an unexpected financial emergency, such as repairing your broken-down car or paying a large medical bill, we understand that you need money quickly. Payday loans are designed to provide a helping hand when bills begin to pile up. They can either be paid in full on your payday day or in small instalments.

At My Payday Loan Broker, we connect you with the best online loan lenders who offer loans between £100 and £2000. You can choose to repay your loan within 1 month to 2 years.

How do payday loans work?

When you have an emergency financial situation, you don’t have time to search all over town for payday loan near you. You need to take care of the problem quickly - that’s where we can help.

To apply for a loan with My Payday loan Broker, simply complete our online application with your total loan amount and some personal information.

We’ll connect you with the best lender for your circumstances from our network of lenders.

You’ll be required to complete a similar application form with them and if approved the money may be transferred into your account the same day.

The repayments will come out of your bank account automatically on the day/s agreed.

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Can I get a payday loan with bad credit?

Yes - there are some lenders who offer bad credit loans. Bad credit payday loans are designed to help those with a poor credit report get access to money for emergency situations. They can also help you build up your credit history if you pay back early or on time.

There are a variety of reasons why you may have a poor credit score. Missed or late payments on any credit commitments stay on your credit file for six years - meaning mistakes made several years ago could impact your ability to take out loans today. You may also suffer from a poor credit score if you have a “thin credit file” - this is when you haven’t previously taken out much (or any) credit. Having a thin credit file means lenders aren’t able to assess your creditworthiness as there isn’t enough information in your credit history to see how you handle credit.

We only work with lenders who practise responsible lending and don’t offer payday loans with no credit check. We understand during difficult times no credit check loan can be tempting however they typically come with high-interest rates.

What happens when someone does not pay back their payday loans?

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If for any reason you’re unable to repay your loan, talk to your payday loan lender and try to arrange a repayment plan or connect with a free and independent debt advice service such as Step Change

With a payday loan, you agree to borrow a specific amount, over a fixed period of time - for example, borrowing £300 for 14 days. Typically your lender will automatically take the loan amount, plus interest, directly from your bank account on the agreed date - this is known as Continuious Payment Authority (CPA). If you have limited funds in your account and have not informed your lender that you’re unable to repay your loan, you’re likely to be charged a fee and could face money problems or financial difficulties in the future. 

Payday loans are great for bailing you out of a sticky situation such as unforeseen medical expenses, but they are not suitable for everyone. Short-term loans should not be used to meet everyday living expenses or repay existing credit. If you’re struggling to manage your finances, there are a number of free impartial advice services available to help

Payday Loans and Short-term Loans

Our Features

Our aim is to find the right financial solution for you!

Who We Are

Payday loans or short term loans are small cash advances that are intended to cover unforeseen circumstances until your next payday. Short term loans and payday loans generally range from between £100 and £2,000, depending on the particular lender and your own affordability to pay back the loan.

Why Choose Us

We work with a number of reputable short term lenders who are authorised and regulated by the Financial Conduct Authority, such as PiggyBank to find the best solution for you. The interest rates may seem high compared with other credit options, as they are displayed as an annual interest rate. However you will typically pay back £24 for every £100 borrowed.

Responsible Borrowing

Payday loans and short term loans can be a lot cheaper than unauthorised bank charges so they may be a better option than going overdrawn. In some circumstances a lender may need to speak to the applicant and the guarantor (if applicable) during the application process.

Vision

A payday loan or short term loan is a small, cash advance that is intended to cover an unforeseen circumstance.

How It Works

Representative 1212%APR

For example, £200 borrowed for 35 days. Annual interest rate of 292% (Fixed).
Total amount payable is £256. 1212% APR Representative
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