PaydayCapital.co.uk is a broker, not a lender, and works with an exclusive range of lenders in return for a commission fee. We don’t directly offer loans. We allow customers to access our network of UK short term and installment lenders through our online form. We match customers with lenders in our network.

You could borrow between £100 and £5000.

There are a variety of loans available for consumers. It’s important to understand the differences between them to see which one best suits your individual needs. Guarantor loans include an additional person on the loan, such as a friend or family member, who agree to repay the loan should the borrower miss a payment. Short term loans are small (usually under £1,000), no-collateral cash advances that are backed by future income. Personal unsecured loans are loans that are not secured against your assets, meaning they don’t require any form of collateral. Instalment loans can range up to several months and payments are spread out over the term of the loan.

The online application takes a few minutes to complete. PaydayCapital.co.uk will then run your application through our network of lenders in an attempt to match you with a qualified lender. This process takes minutes. If your application is accepted, you will be forwarded to the lender’s completion page so that you can sign for your loan electronically.

Your funds will be transferred electronically into your bank account via electronic transfer.

In most cases, if you are accepted by a lender, the transfer into your bank account could happen as early as the next business day. This will vary depending upon your lender as well as your financial institution. If you have additional questions regarding the transfer time, please contact your lender.

The eligibility criteria varies by lender. There are, however, standard criteria requirements that you will be expected to meet in order to apply. This includes the fact that you must be aged 18 years or older, live in the UK, have an active bank account into which you can receive direct debits and have a regular source of income.

We require your personal information in order to present your application to our lenders so they can assist you by providing you a loan. Please refer to our Privacy Policy for more details about how we use your personal information.

PaydayCapital.co.uk does not run any credit checks; however, we are a matching service and the lender we match you with may do so as part of the application process.

Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).