Responsible Lending is committed to offering a responsible lending and transparent service to our customers.

Our Practices

  • We do not charge unnecessary or hidden fees
  • We do not encourage customers to take out loans that are not suitable
  • We do not target customers who are in financial difficulty or distress
  • Our service is made clear to customers and is simply worded and explained on our website
  • We follow all legal and regulatory best practices

Be Responsible

  • Please look carefully at whether you can afford any loan before taking one out
  • To avoid paying penalties and extra charges, repay your loan on time if at all possible
  • To save interest charges, repay early and you will reduce your interest due to us by 0.8% per day.
  • Please be aware that if you do make late repayments or fail to repay your loan you will incur further charges that can be costly. Refer to our How It Works section for more detail.
  • Payday loans are short term loans. If you are looking for a loan over a longer period of time consider alternative types of finance that may be more suitable including our own instalment option.
  • If you are struggling to repay your loans or think you may have debt problems you should consider looking at other alternatives that may better suit your circumstances - short term loans are not suitable for financing other debts.
  • If you are unsure about your finances or would like help and advice you can contact the Citizens' Advice Bureau:
  • Warning: Late repayment can cause you serious money problems. For help, please go to:

Common Questions About Our Payday Loans Answered:

Are you the best Payday Lender in the UK?
Yes! Well, we like to believe so. As per our Responsible Lending commitments to you outlined above, we will guarantee you will not get into financial hardship due to a loan we have provided to you.

Do you accept Bad Credit Payday Loans applicants?
Poor or bad credit history is accepted; our main criteria is that you can demonstrate your ability to repay the loan plus interest.

Do you have any Credit Checks?
No Payday Loan or Short Term Loan credit checks are performed when applying with us. We look at your recent credit activity and make our own judgement as to whether you can afford to take out a loan with us and not find yourself in a cycle of debt or be in any way negatively affected due to our funding you a loan.

Payday lenders not Brokers are the companies that will ultimately fund your loan, so go direct and apply with us today.