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Representative 49.9% APR. Representative example: Amount of credit: £750 for 12 months at £77.29 per month. Total amount repayable is £927.48. Interest charged is £177.48, interest rate 49.9% pa (variable). Rates from 11.8% APR to 1575% APR - your Free, No obligation quote and APR will be based on your personal circumstances. Authorised and regulated by the Financial Conduct Authority.

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Payday Loans Direct Lenders

7 Key Questions to Ask About Payday Loans Direct Lenders

There are many of payday loan direct lenders in the UK today. None is the same and many are not as good as they claim to be. The large number of potential lenders makes it difficult to find a good lender, which is why must dig deeper into the lender’s background.

The answers to the following seven key questions about each potential payday loan lender you are considering will help you to find the best lender for you:

1. Is the lender Authorized/regulated by the FCA?

Before you borrow from any payday Loans lender in the UK, ensure they are authorised/regulated by the Financial Conduct Authority (FCA). Look for their FCA authorisation number, company registration number, registered office, business name, telephone number and postal address. 

You should be able to find this information easily and quickly from the lender’s website. Alternatively, you can check the FCA register at to see if a lender is authorised by the FCA.

You should only deal with an authorised/regulated business because it guarantees that it complies with strict legal requirements to protect consumers. Dealing with unauthorised or unregulated payday loan lenders is very risky. You may not be adequately protected as a consumer and the lender may not satisfy all of the legal requirements.


2. What APR rate do they charge and is it the correct measurement?

Now that you know you are dealing with a licensed and regulated payday lender, it is time to discover how much they are charging.

UK payday lenders state their interest rate charges as an annual percentage rate (APR), which can be confusing because payday loans are intended to be repaid within a month – not a year.

An important thing to note is that you won’t actually pay the stated APR charge. Instead, you will pay a fraction of it depending on factors such as how much money you borrow and over what period of time it will be repaid.

The best payday lenders will tell you the total amount of money you will be required to repay before you commit to the loan. That means you shouldn’t worry too much about the APR. However, the lower the APR, the less you will have to repay much much less.


3. Are there any additional or hidden charges?

Some lenders have hidden charges such as charging extra for using the faster payment system to get the money into your bank account. Not all payday lenders are transparent about the charges they add on to the loan. All the payday loans direct lenders who works with will charge interest only.

They don’t charge you for repaying your loan early and they also don’t charge a loan processing fee or other upfront fees before you even agree to having the loan. It is essential that you do your research before agreeing to a loan so that you do not get any unpleasant surprises.

On the subject of additional fees, all payday lenders will charge additional interest for late payment. Such charges are usually clearly stated, and they can be avoided by repaying your loan on time. as late repayment can cause you serious money problems. For help, go to Money Helper.


4. Does the lender offer an online loan application facility and account management tools?

Convenience is what makes payday loans attractive. However, some payday lenders are less convenient to deal with than others – particularly those lenders that do not provide online loan application, processing and account management facilities.

The best payday loan lenders provide online account management that enables you to apply for a short term loan, receive funds, and manage your account easily from the comfort of your own home and a time that suits you.


5. How secure is the lender’s website?

The security of your personal data online is very important. You should assess the security of the lender’s website before entering any personal information and or your bank account details. We have top online security as well as with all the partners we are working with.

Not every payday loan lender has a secure website. Here are a couple of things to look out for:

  • Is there padlock symbol next to your address bar? If you can see the lock, then the site is secured.
  • Check the URL of the lender’s website. It should start with “https”. This is the secure hypertext transfer protocol.

All good payday loan direct lenders use these security features on their website. Your personal data and bank account details are at risk of being stolen if the website lacks both of these features. Choose another lender if the prospective lender’s website lacks these security features.


6. What do the reviews say?

It is very informative to look at what the payday lender’s past and present customers are saying. Pay particular attention to the 1 to 3 star ratings and pay close attention to how the lender deals with complaints and responds to poor reviews. The best lenders have the highest overall ratings, but none is perfect which is why the 4 and 5 star reviews should also be treated with some caution.

Reviews are a good way of getting first-hand information about what it is like dealing with your prospective payday loan lender. Payday loan review sites that are most popular are Trustpilot and google reviews, where you can read some of the comments of the happy and unhappy clients


7. Does the lender have a disclaimer?

Responsible payday loan lenders, make it clear to their customers that payday loans are unsuitable for long-term borrowing, nor are they for individuals who are in financial difficulty.

Any payday lender that fails to warn prospective borrowers of these risks is not operating in the borrower’s best interests. Just as you need to know how to get the best out of your payday loan, you also need to know when a payday loan is not appropriate for you.

One must stress the warning that late repayment can cause you serious money problems. For help, go to Money Helper.

The answers to these seven questions will help you identify the best UK payday loan lender for you.

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Once you are approved, you will be directed to your lender to finish the process.

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Who can apply?

To be eligible to get a loan, you need to:

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Be 18 years of age or older

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Have a regular source of income (min £700 per month)

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