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£900 loans are one of the larger payday loans on offer via Payday UK. We have plenty of lenders who offer higher loan amounts so you are in the right place.

£900 Loans

When smaller loans won’t cover what you need, a £900 loan gives you enough to sort things out properly. Maybe your car needs fixing, the boiler’s broken, or you’ve got a few bills piling up at once. Whatever it is, £900 can help you get back on track without borrowing more than you need. PaydayUK works with an industry-leading panel of FCA-regulated lenders who help people from all backgrounds.

Over 1 million customers have used PaydayUK since 2020 to find loans that work for them. We handle more than 7,500 quotes every day, matching people with lenders who get their situation. Our service is completely free, checking won’t hurt your credit score, and you’ll see your options in minutes. We’ve got a 4.7 out of 5 star rating on Trustpilot from 6,281 reviews. People trust us because we’re upfront about everything.

We search lots of lenders at once instead of making you apply to each one separately. That means you’re more likely to get approved, you can compare what’s on offer, and it’s much less hassle. Every lender we work with is FCA-authorised (reference 921539) and follows strict rules about fair lending. You’re protected the whole way through.

Why choose PaydayUK:

● Soft credit check only – won’t affect your score
● No fees from PaydayUK
● Industry-leading panel of lenders
● Same-day funding if approved

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What Are £900 Loans?

A £900 loan sits in the middle ground between small emergency loans and bigger personal loans. It’s for when you need a decent chunk of money quickly but don’t need thousands. You can spread the repayments over 3 to 36 months, so you can pick what fits your budget.

This amount covers lots of real-life costs. Car repairs like clutch replacements, timing belts, or new brakes often come to around £900. Same goes for home stuff like boiler repairs, electrical work, or replacing a broken washing machine. Sometimes you just need to deal with a few things at once, like council tax that’s overdue plus some urgent repairs.

Unlike £100 loans or £200 loans that handle smaller emergencies, £900 lets you tackle bigger problems without taking on too much debt. It’s enough to fix what needs fixing but still manageable to pay back.

PaydayUK is a credit broker. We don’t lend money ourselves. Instead, we connect you with FCA-regulated lenders from our panel who compete to give you the best deal based on your situation. One application reaches multiple lenders, which saves you time and keeps your credit score safe through our soft search.

How £900 Loans Work Through PaydayUK

Getting a £900 loan through PaydayUK is simple. We’ve made it as easy as possible because we know you’ve probably got enough on your plate already. Here’s what happens.

Step 1: Fill in our online form. It takes about 2 minutes. We ask basic stuff about your income, what you spend, your job, and how much you need. This helps us match you with the right lenders.

Step 2: Soft credit check. Our partner lenders do a soft search on your credit. This is the important bit – it won’t show up on your credit file and won’t affect your score at all. It just helps lenders see if they can help you.

Step 3: We find your matches. Our system searches our panel of FCA-regulated lenders in seconds. We look for lenders whose rules fit your situation. This means you’re more likely to get approved and you won’t waste time on lenders who can’t help.

Step 4: Look at your options. You’ll see which lenders matched with you, along with their rates, terms, and what you’d pay each month. You can compare them side by side to see the total cost and monthly payments.

Step 5: Pick one and continue. If you like an offer, go ahead with that lender. They’ll do a full credit check at this point, which will show on your file. But you already know you fit their criteria from the soft search, so rejection is less likely.

Step 6: Get your money. Once approved, most lenders send the money the same day, often within hours. How fast it arrives depends on your bank, but lots of people get their £900 within an hour through Faster Payments.

You’re in control the whole time. You don’t have to accept any offer. You can walk away whenever you want before signing anything. And you’ll know exactly what everything costs before you decide.

How Much Does a £900 Loan Cost?

Knowing the real cost of borrowing £900 helps you make a good decision. Our partner lenders work with a representative 91% APR, which is lower than lots of other short-term lenders. But your actual rate depends on your own situation, credit history, and which lender you go with.

Representative Example

If you borrow £900 over 6 months at 91% APR, here’s roughly what you’d pay:

● Amount borrowed: £900
● How long: 6 months
● Monthly payment: About £192
● Total to pay back: About £1,152
● Cost of borrowing: £252

These numbers are just examples. Your actual costs depend on what the lender offers you.

Why Rates Are Different for Different People

APR rates across our lenders range from 9.3% to 1,721%. That’s a big range because different lenders look at risk differently. If you’ve got a solid credit history and steady income, you’ll usually get rates at the lower end. If you’ve had credit problems before, rates tend to be higher because there’s more risk for the lender.

FCA Rules That Protect You

All our lenders follow FCA rules that cap what they can charge. They can’t charge more than 0.8% per day in interest. Late payment fees can’t be more than £15. And the total cost of your loan can never be more than 100% of what you borrowed. So if you borrow £900, you’ll never pay back more than £1,800 total, no matter what.

Shorter loans mean higher monthly payments but less interest overall. A 3 month loan for £900 might cost £350 a month but only £150 in interest. A 12 month loan drops monthly payments to about £100 but interest goes up to around £300. It’s about finding the right balance for you.

Most lenders let you pay off early without extra charges. If things improve and you can clear your £900 loan ahead of time, you’ll save on interest. Just check the terms with your lender to be sure.

Who Can Apply for a £900 Loan?

To apply for £900 loans through our panel, you need to meet some basic requirements. Different lenders might have extra rules on top of these.

Basic Requirements

● Age: 18 or over
● Where you live: UK resident with a proper address (at least 3 months)
● Bank account: UK bank account with a debit card
● Income: Regular money coming in, roughly £500+ a month after tax
● Contact details: Working email and UK mobile number

What About Bad Credit?

Lenders will look at your credit history, but having problems in the past doesn’t mean you’ll be turned down. Our panel includes lenders who specialise in bad credit loans. They care more about whether you can afford the repayments now than what happened years ago. They know people hit tough times for all sorts of reasons – losing a job, getting ill, going through a divorce.

That said, you can’t be bankrupt or in an insolvency arrangement right now. Lenders need to see you can handle new credit on top of what you’ve already got.

Every lender has to check you can actually afford the loan. They look at your income, regular bills, other debts, and how you spend your money. This protects you from borrowing more than you can handle.

Most £900 loans in our panel don’t need a guarantor or any security. These are unsecured loans, so you don’t need to get family involved or risk your home or car.

Why Use a Broker Like PaydayUK?

Going through PaydayUK instead of applying to lenders directly has some real benefits. It saves time, protects your credit score, and gives you better chances of getting approved.

One form, lots of lenders. Instead of filling in separate applications for each lender, you do one form with us. Our system then searches our whole panel at once. That could save you hours.

Easy to compare. We show you multiple offers side by side. You can see the interest rates, how long you’d pay, total costs, and monthly amounts. This makes it easy to pick what actually works for your budget.

Keeps your credit score safe. When you go direct to lenders, they often do a hard credit check straight away. That shows up on your file. Do it with a few lenders and your score takes a hit. Our soft search doesn’t leave any mark and doesn’t touch your score.

Zero fees, always. PaydayUK never charges you anything. We get paid by lenders when you take out a loan, so our service is completely free for you. No application fees, no broker charges, nothing hidden.

FCA protection. Every lender in our panel is FCA-regulated. They have to follow strict rules about lending fairly, being clear about costs, and treating customers right. This keeps you safe from dodgy practices.

Better chances of approval. By searching across our big panel, you reach lenders who work with people in your situation. That makes it much more likely you’ll find someone willing to give you a £900 loan than if you just tried one lender who might say no.

Need something different? Our panel has options. Maybe you only need £500 loans and don’t want to borrow too much. Or perhaps you need £1000 loans to cover a bit more.

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What makes us different:

● Over 1 million customers since 2020
● 4.7 out of 5 stars on Trustpilot (6,281 reviews)
● 7,500+ daily quotes processed
● FCA-authorised and regulated (FRN 921539)
● No fees from PaydayUK – ever
● Soft credit check only – won’t affect your score

What to Think About Before Applying

Before you apply for a £900 loan, take a moment to think about whether it’s the right move. Being honest with yourself about what you can afford matters.

Can you actually afford the repayments? Work out your monthly income after tax. Take away everything you have to pay – rent or mortgage, bills, food, travel, other debts. If the loan payment fits comfortably in what’s left, you’re in good shape. If it would be a real stretch or mean cutting back on essentials, think again about how much you borrow or how long you take to pay it back.

Is £900 the right amount? Don’t borrow more than you need just because a lender offers it. If you only need £700 but borrow £900, you’re paying interest on £200 you didn’t need. But borrowing too little and having to get a second loan usually costs more in the end.

Are there other options? Sometimes there are ways to sort things without borrowing. Could you set up a payment plan with whoever you owe? Are there local charities that might help? Would family or friends lend you the money without charging interest? These alternatives often cost less.

Do you know the full cost? Don’t just look at what you pay each month. Add up the total you’ll pay back over the whole loan. A £900 loan might cost £1,100 to repay over six months. Is that worth it to fix your problem? Only you can decide, but decide with your eyes open.

If you’re not sure about getting a loan or debts are getting on top of you, there’s free help out there. MoneyHelper, StepChange, and Citizens Advice can look at your whole situation and suggest things you might not have thought of.

How PaydayUK Protects You

Keeping you safe through the lending process matters to us. We’ve built in safeguards to make sure you’re treated fairly and only connected with proper, regulated lenders.

FCA authorisation. PaydayUK is an Appointed Representative of Flux Funding Limited, which has full FCA authorisation (reference 806333). Our own reference is 921539. We’re watched over by regulators and have to meet strict standards.

Every lender is FCA-regulated. We don’t work with dodgy or unregulated lenders. Every lender has to hold their own FCA authorisation and prove they lend responsibly before they can join our panel. This protects you from bad practices.

Your data is safe. Your personal info is protected under GDPR and the Data Protection Act 2018. We’re registered with the ICO (number ZA654345). Your application data is encrypted, and we never sell your details to other companies for marketing.

Clear info before you commit. You’ll see all the terms, costs, and conditions before you accept anything. No pressure to decide right now, no fake countdown timers, no hidden fees popping up later. We believe in being upfront.

Soft search protects your score. Your first check with PaydayUK uses only a soft search. Other lenders can’t see it and it doesn’t affect your score at all. Only when you choose to go ahead with a specific lender will they do a full check that shows on your file.

The Application Process Step-by-Step

Knowing exactly what happens when you apply for a £900 loan through PaydayUK helps you get ready and removes any surprises.

What You’ll Need

Before you start, get together your monthly income info (payslips or benefit letters), your regular outgoings (rent, bills, existing loans), your job details, your bank sort code and account number, and where you’ve lived for the past three years. Having this ready makes things quicker.

The Application Form

Our secure form takes about 2 minutes to fill in. You’ll answer questions about your income, job, spending, and what you need to borrow. It’s encrypted to keep your data safe. You can do it on your phone, tablet, or computer.

Looking at Your Matched Lenders

You’ll see offers from the lenders who matched with you. Each one shows the loan amount, interest rate, monthly payment, total to repay, and how long it lasts. Take your time comparing them. Don’t just grab the first one. Think about both the monthly cost and the total you’ll pay.

Going Ahead With Your Chosen Lender

When you pick a lender, you’ll go to their website to finish the application. They’ll do a hard credit check then, which will show on your credit file. They might ask for extra documents like proof of income, bank statements, or ID.

Getting Your Money

After you sign the agreement, the lender usually sends the money the same day. Most use Faster Payments, so it arrives within hours. Exactly when depends on your bank, but lots of customers get their money within an hour. If you apply outside working hours, expect it the next working day.

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Why you can trust PaydayUK:

● Over 1 million customers since 2020
● 4.7 out of 5 stars on Trustpilot (6,281 reviews)
● 7,500+ daily quotes processed
● FCA-authorised and regulated (FRN 921539)
● No fees from PaydayUK – ever
● Soft credit check only – won’t affect your score

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