Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk
Apply to Borrow from

£100 to £5,000*

Representative Example: £500 borrowed for 5 months

Apply For £50 - £1,000

Fast Payout

No Fees

Available 24/7

Secure Application

Bad Credit

Choose Your Loan

Choose from a wide list of options that are perfect for your needs.

Personal Loans

  • instant Decision
  • 60-Second Application Form
  • From £1,000 to £25,000
  • Rates from 5.7% APR to 278% APR
  • 3-36 month repayment

Short Term Loans

  • Online decision
  • Responsible lenders
  • Apply to borrow up to £3000
  • Rates From 278% APR – 1576% APR
  • 3-12 month repayment

How Will My Application Work?

Secure Process

You don’t have to leave the comfort of your homes to apply for a loan. Just visit the lender’s website and fill up an online form. The process is safe and secured. There’s no need to visit banks or fall in long lines to get approved.

Fast and Convenient

The application process is incredibly simple and fast. Complete an online form and have it submitted. In just minutes, you can get the result from the lender of your choice and have the funds ready on the same day. You don’t even have to wait for days to get approved.

No Credit Checks

Is your credit holding you down? With us, you don’t have to worry about your credit line. Even with poor or bad credit, you are still eligible. As long as you can repay the loan on schedule, everything is going to be just fine. We have plenty of options that don’t require credit checks.

Payday Loans To Help Consolidate Your Debt

Are you having problems in managing your debts? Well most of the people in reality are having problems in managing their funds, their expenses, and their debts. It is such a pain to think that all of us are working hard and its like your just working to pay your monthly bills and other expenses. Sometimes you just dream of having a vacation elsewhere and spend all your hard-earned money for the things you want and that is why people are getting into much deeper debt. Why? Because of their personal interests that they can’t really afford and wants to have a comfortable life but their monthly income is not enough. 

Payday loans are the most popular financial institution that you can find online and they offer short-term loans and targets people who have bad credit history that makes it more attractive to borrowers. Now, you might want to consolidate your payday loans but don’t have any idea how to. Well, consolidating your payday loan could be easier because you just have to roll over the loans you have and merge it into a one single payment. Who knows? you might also pay for a lower interest rate. 

Consolidating Loans is the Key

It could be stressful to get a payday loan because of its extremely high rates. So consolidating it is the best solution. Remember, It is not a solution to file a bankruptcy when you cannot think of any other ways. It will only get things worse so might as well consider other options and search for an ideal way on how to consolidate your payday loan. 

You can try to search for “Payday loan relief” they offer to reduce your monthly payments, consolidate your multiple debts and payday loans, lower your interest rate, terminate all late and over limit fees, stop harassing calls from lenders and can provide any legal help you will need. You can check their website and search for other details they may offer you. 


Sometimes, when financial emergencies occur, all you need is a little cash to muddle along. Enter the payday loans, your perfect fix for overdue rents or bills that need just a little extra. Payday loans are very common for emergencies that need just a little and immediate money boost. After all, they are unsecured and usually small.

However, payday loans are very notorious for high interest rates, making it easy to fall prey to them. If this happens, can you back out of a payday loan? Here’s what can happen when you don’t repay a payday loan.

What happens when you don’t repay a payday loan?

It’s easy to fall into the trap that is payday loan. Unfortunately, many have become victims and likewise, many have chosen to default on payday loans.

Once the due date arrives, you have the option to pay the loan in person or the lender will get it directly from the bank account. Should the money not be there, the lender will keep charging a fee for insufficient funds. This makes it easy for you to fall into the payday loan trap.

Does defaulting on payday loans affect your credit score?

Once the lender turns over your account to the third-party debt collector, the unpaid loan will finally be added to your credit file. So how does this affect your credit report? Well, badly. This will affect your future chances of borrowing money in the future.

It shall be noted that there is no imprisonment for non-payment of loans. It’s best to contact your lawyer if the collector becomes too aggressive to the extent of threatening to file charges.

Is it worth getting a payday loan?

The big answer is no. Taking out a payday loan involves high interest rates. In the event that you will not be able to make the necessary payments, your ability to take out loans, especially more important ones, will be badly affected.