Warning: Late repayment can cause you serious money problems. For help and advice go to moneyadviceservice.org.uk

Don't get stung! What do we charge?

Nothing. We do not charge a fee for applying with us.


We always offer a 100% transparent service so that you always know what you're getting. There are no hidden fees or catches, as long as you make your repayment. You can expect an average APR of around 1261% (variable) for a payday loan of less than £1000. For loans over £1000 and a longer period of time, we display a representative APR of 305.9%. This of course may be higher or lower, depending on your circumstances. Please check with the lender we find you before committing. Please carefully consider your ability to repay before applying.

Whilst we do not charge a fee for our matching service, we are not a direct provider. Any appropriate fee applied is purely determined by the agreement you sign with your lender. We only work with providers that adopt a fair approach towards lending and provide a quality, reliable service. We can confirm that none of the following charges will be applied by us:

  • NO application fees
  • NO fast funding fee
  • NO monthly account charges
  • NO collection fees
  • NO postal charges

Late or non-payment penalties

It is extremely important that you make every attempt to settle your loan in full. As we are not a direct lender, we are not responsible for additional late settlement fees, but your provider is. Therefore you should read the terms and conditions of your provider to avoid any surprises later on.

If you have a real reason why you cannot settle your agreement, the best action you can take is to get in touch directly with your lender and explain the situation. Nearly all providers have procedures and options set up to help assist you if you are struggling, as long as you are open and honest.

You can read more about our process in the Terms and Conditions page.