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Payday Loans

  • Borrow up to £10001
  • Trusted lenders only
  • Payouts within 24 hours
  • Responsible lending policy
  • Alternatives available

Short Term Loans

New Rules have cleaned up Payday Loans

There has been a lot of bad press about payday loans in recent years and this has recently come to a head with new rules that are designed to clean up the short term credit industry. This means that, finally, only those lenders that are able to offer affordable lending that follows the rules set by the authorities remain. It also means that we are returning to what short term loans were actually designed for, which is to:

  • Be used only occasionally when you really need them
  • Offer very short term borrowing – literally just until the next payday
  • Provide cash for emergency financial situations
  • Offer only an amount that you can actually afford

The new rules from the Financial Conduct Authority are designed to make sure that you won’t pay too much for your loan, that you can afford to repay it when the time comes, and that you don’t end up paying so much in interest that it becomes more expensive to borrow than it should. Most reputable brokers and lenders have welcomed the new rules, which mean that these loans are more available to those who need them, borrowers are protected and short term loans can once again become an affordable and trusted form of finance.

Short Term Borrowing

Perhaps one of the biggest changes we have seen is a return of short term borrowing to being truly short term. That might sound a little odd but such loans have only ever been designed to be borrowed over a very short period of time – just to cover any financial emergencies between the point at which you need to borrow and the weeks until you next get paid. In the past we have seen some lenders extending loans terms too far. Loans that should have been repaid in a few tens of days were being repaid over months with costs rising astronomically. So what are the major features of short term loans?

  • Borrow for up to a month, until you next get paid
  • Access to the money that you need quickly – especially if you use our efficient quick start tool.
  • Flexible borrowing – choose the amount that suits you
  • Use the money to help out in an emergency

And what kinds of features should short term loans not have?

  • Borrowing over several months, accumulating interest and charges each time
  • Borrowing a large amount that you can’t repay on your next payday
  • Using the money for something non-essential

As you can see there are clear differences between what short term loans should be used for – and how they should not be used. If you’re looking for a longer term loan then there are plenty of options and you will normally pay less in interest by choosing to borrow and repay over a longer period of time. If you need to borrow for a longer period of time then there are plenty of other alternatives but for temporary, urgent lending these loans can compete well with an unauthorised overdraft.

About Payday Loans

Representative Example

Loan Amount


Actual Interest Rate

24% (vrbl)

Loan Term

30 days

Total Repayment


Representative APR


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Warning: Late repayment can cause you serious money problems. For help, go to

1 Subject to application being approved by the lender. Not all lenders are able to provide up to £1000.

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