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Who is PaydayUK?

PaydayUK is a trading name of Instant Cash Loans Limited.

Instant Cash Loans Limited is authorised and regulated by the Financial Conduct Authority.

PaydayUK's loans range from £100 - £1,000³ (£100 to £650 for new customers) and you can select to make the repayments over 1 to 5 instalments.

Responsible Lending

We at PaydayUK are committed to Responsible lending. This means that we:

  • Offer short term loans focused to the borrowing needs of customers
  • Assess that customers can afford loans, and are able to repay them
  • Provide clear, transparent customer contracts and communications
  • Treat customers in a helpful, courteous manner and deliver high standards
  • Maintain high levels of customer satisfaction

It also means that we do not:

  • Target people with debt problems
  • Lend to people whom we believe cannot afford to repay
  • Lend to minors or students
  • Deal with customers if there is any question about their identity or authenticity

Representative Example: £320 borrowed over 2 instalments at an annual interest rate of 245.5% (fixed). Total repayable is £470.56 comprising of 2 equal payments of £235.28 1192% APR representative.

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

PaydayUK are members of