About Payday UK
Payday UK is a credit broker, not a lender. Thousands of people use us every day. Here is who we are and how we work.
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No hidden costs or fees
Our service is free to use and we never ask for an upfront payment. We are paid a commission by the lender when an introduction turns into a loan.
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3-minute soft search
In about 3 minutes, lenders on our panel check your eligibility with a soft search that other lenders cannot see.
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Bank grade security
Your application is encrypted in transit and we are registered with the Information Commissioner’s Office under ZA654345.
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Reach a panel of lenders at once
Fill in your details once and they are put to a panel of lenders and brokers in one go.
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Loans matched to you
We look for £50 to £5,000 over 3 to 36 months. Whether a lender approves you, and at what rate, is their decision.
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A panel regulated by the FCA
Every lender and broker on our panel is authorised and regulated by the FCA. Check any lender on the Financial Services Register before you sign.
Getting started with Payday UK is easy
See if you would qualify for a loan through Payday UK in just 2 mins.
Check your eligibility Soft search. Won’t affect your score
Four promises we keep
No small print surprises. The same four promises apply whatever you apply for and whoever ends up lending to you.
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A search that won't dent your score
Asking us for a quote does not affect your credit score. A hard search is only recorded if you accept an offer and go ahead with that lender.
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One form, a panel of lenders and brokers
You apply once instead of approaching lenders one at a time, so you are not collecting a credit footprint from every one you try.
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Always free to use
You pay nothing to use Payday UK, whether or not you go on to take a loan.
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Check us on the FCA Register
Look us up on the Financial Services Register before you deal with us. Our full regulatory details are further down this page.
We search a panel of lenders and credit brokers, all authorised and regulated by the Financial Conduct Authority, to find options that suit your circumstances.
What our customers say
Rated 4.8 / 5 • 8,086 reviews
Showing our 4 & 5 star reviews
Read our reviews on Trustpilot
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WHO ARE PAYDAY UK?
We are a broker, not a lender
We do not lend money, and we never decide whether you are approved. We take one application and put it to a panel of lenders.
The loan agreement, the interest you pay, the affordability decision and everything after you sign are between you and the lender. If you are declined, that is the lender’s decision and only they can explain it.
How it works
Our website is designed to be fast and simple, so you can apply in a few minutes.
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Apply online
Fill out our short, secure form and search a panel of FCA-regulated lenders to see the offers available to you.
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Check your offer
Once you have your offer from the lender, you can review the offer and get your cash.
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Get your money
Once accepted, your money can often be paid into your account the same day.
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HOW WE ARE PAID
You will never pay us a penny
Payday UK does not charge you a fee. Getting a quote is free and we will never ask you for an upfront payment. If anyone asks you for an upfront fee, it is not us.
We are paid a commission by the lender when an introduction turns into a loan. That is how the service stays free for you.
Where a lender approves you, the cost is set by that lender. Some loans also fall under the FCA price cap. The cap applies to high-cost short-term credit, which means a loan with both an APR of 100% or more and repayment due within 12 months. A loan that meets only one of these conditions is not covered. When the cap applies, it limits what you can be charged in three ways: interest and fees cannot be more than 0.8% of the amount borrowed per day, default fees cannot be more than £15, and you will never repay more than twice the amount you borrowed. Always check the total amount repayable on your loan agreement before you sign.
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Our company details
Payday UK is a registered trading name of Payday Loans Ltd (company number 12430457), registered in England and Wales at Payday Loans Ltd, The Charter Building, Charter Place, Uxbridge, UB8 1JG.
We are registered with the Information Commissioner’s Office under ZA654345.
Look us up on the Financial Services Register before you deal with us. It is the quickest way to check you are dealing with a regulated broker.
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How to raise a complaint
If you are unhappy with anything we have done, tell us and we will investigate. You can reach us on 0800 302 9409 - free from UK landlines and mobiles - or through our contact page.
We will acknowledge a complaint within 5 working days and aim to resolve it within 8 weeks. If we cannot, or you are not satisfied with the outcome, you can refer it to the Financial Ombudsman Service free of charge within 6 months of our final response.
For free, impartial money guidance that has nothing to do with us, MoneyHelper is government-backed and independent.
Who is who
This section shows who is who: the name we trade under, the company behind it, the firm authorised by the Financial Conduct Authority (FCA) that is responsible for us, and the lenders we work with.
| Name | Who they are |
|---|---|
| Payday UK | The name we trade under. |
| Payday Loans Ltd | The company behind Payday UK, registered in England and Wales (company number 12430457). An appointed representative of Flux Funding Limited, listed on the Financial Services Register under FRN 921539. |
| Flux Funding Limited | The firm authorised and regulated by the FCA, under firm reference number 806333, that is responsible for us. |
| Our lender partners | Lenders and credit brokers on our panel, all authorised and regulated by the FCA. Each one makes its own lending decision. |
How we are connected
Payday UK is a registered trading name of Payday Loans Ltd.
Payday Loans Ltd is an appointed representative of Flux Funding Limited.
Flux Funding Limited is authorised and regulated by the Financial Conduct Authority.
Payday Loans Ltd introduces you to lenders and credit brokers on our panel. The lender decides whether to lend, sets the terms and pays out the money.
The company and the principal firm
Flux Funding Limited is authorised and regulated by the Financial Conduct Authority, and we are its appointed representative.
As an appointed representative, Payday Loans Ltd is not itself authorised by the FCA. It acts under the responsibility of Flux Funding Limited. Its own entry on the Financial Services Register, FRN 921539, is a listing, not an authorisation.
| The company | Details |
|---|---|
| Trading name | Payday UK |
| Company name | Payday Loans Ltd |
| Registered in | England and Wales |
| Company number | 12430457 |
| Registered office | Payday Loans Ltd, The Charter Building, Charter Place, Uxbridge, UB8 1JG |
| ICO registration number | ZA654345 |
| Regulatory status | Appointed representative of Flux Funding Limited |
| Financial Services Register FRN | 921539 |
| The principal firm | Details |
|---|---|
| Name | Flux Funding Limited |
| Status | Authorised and regulated by the Financial Conduct Authority |
| Firm reference number | 806333 |
Our lender partners
To fulfil our role as a credit broker, we share your information with lender and broker partners who are authorised and regulated by the Financial Conduct Authority.
Read more
A lender panel is the fixed list of firms a broker sends applications to. It isn't the whole market.
Our panel changes as lenders join and leave it, so we don't publish a fixed list here. A published list would be out of date almost immediately.
Ask us through our contact page and we will send you the list that applies to your application, within one month.
We don't carry out credit checks ourselves.
The lenders make the decisions, so approval is never guaranteed.
We do not charge you a fee for using the Payday UK service, but we may receive a commission from Our Partners if they are able to provide you with the particular product or service you were looking for.
Who is responsible for your personal data
Payday Loans Ltd is the data controller for the personal information collected through this website.
Lenders and credit brokers on our panel. All of them are authorised and regulated by the Financial Conduct Authority and appear on the Financial Services Register. We share your application so that they can decide whether to offer you credit. Once they receive it they decide for themselves how they use it, so they are independent controllers and their own privacy policies apply.
Read more
Our Privacy Policy explains what we do with your information and what your rights are.
You can also complain to the Information Commissioner’s Office at ico.org.uk, but we would like the chance to put things right first.
Independent organisations
These organisations are independent of us:
Financial Conduct Authority: the UK regulator of financial services firms. Its Financial Services Register lets anyone check a firm’s status and permissions.
Financial Ombudsman Service: a free, independent service for settling disputes between financial firms and their customers.
Information Commissioner’s Office: regulates how organisations handle personal information.
Free, independent debt help
If you are struggling with debt, or thinking of borrowing to repay other debts, get free advice first. It is confidential and will not affect your credit file.
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MoneyHelper
Free, impartial money and debt guidance, backed by government, including a debt advice locator.
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StepChange
Free, confidential debt advice and managed debt plans, online or over the phone.
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National Debtline
Free, independent advice on dealing with debts, with fact sheets and sample letters.
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Citizens Advice
Free help with debt, benefits and housing, in person, by phone or online.
0800 144 8848 (England; Wales 0800 702 2020)
If you're unsure whether borrowing is right for you, our eligibility criteria page explains who lenders can consider.
Check our details
You can check these details yourself:
The Financial Services Register: search for firm reference number 921539 or 806333
Companies House: company number 12430457
The ICO register of fee payers: registration number ZA654345
Our entity map: these details in a machine-readable format
About Payday UK questions
Is Payday UK a direct lender?
No. Payday UK is a credit broker, not a lender. We do not make lending decisions or provide funds directly. We introduce you to FCA-regulated lenders who make their own decisions. Our service is completely free.
Does Payday UK charge a fee?
No. Using Payday UK is free - we never charge you a fee for searching our panel or for introducing you to a lender.
We are a credit broker, not a lender. When a loan is taken out we may receive a commission from the lender, and that never changes what you pay.
Someone has asked me for an upfront fee. Is that you?
No. We never ask for a payment before a loan is arranged. No legitimate lender will ask you to pay a fee to release a loan. Anyone who does is not working for us. Don't pay, don't send bank details, and report it to Report Fraud. You can also check whether a firm is genuine on the FCA's register.
I've had a call or text claiming to be Payday UK. Is it really you?
Check before you reply. We'll never ring out of the blue asking for your bank details, your PIN or a payment. If you're unsure, hang up and contact us on 0800 302 9409 using the number on this page rather than one you've been given. You can also look us up on the FCA's register: Payday UK is a trading name of Payday Loans Ltd, an appointed representative of Flux Funding Limited, reference 806333.
I want to complain about your service.
Email complaints@paydayuk.co.uk or write to the Complaints Manager at Payday Loans Ltd, The Charter Building, Charter Place, Uxbridge, UB8 1JG. We'll try to sort it out by the end of the next working day, and if we can't, we'll write to you within 5 days to tell you who's handling it. A full investigation takes up to 8 weeks. If you're unhappy with our final response you can take it to the Financial Ombudsman Service, and you have 6 months from the date of that letter to do so. Our complaints procedure sets it all out.
How do I get a copy of my data, or have it deleted?
Email customerservice@paydayuk.co.uk and tell us what you want - a copy of what we hold, a correction, or deletion. We'll respond within a month. We may have to keep some records where the law or our regulator requires it. Bear in mind that if you've taken out a loan your lender holds its own records, and you'd need to ask them separately. Our privacy policy covers your rights in full, and you can complain to the ICO if you're unhappy with how we've handled it.
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