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Frequently asked questions

Who is PaydayUK?

PaydayUK is a trading name of Instant Cash Loans Ltd

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

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Any further questions?

If you have any other questions, then please call us on 0871 271 6111 (Call charges apply - 10p per minute from BT landlines, mobiles and other providers may vary).

Your Credit Rating

We work with nationally recognised credit reference agencies.

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No Hidden Charges

PaydayUK have no hidden charges

We charge a daily interest rate and have no hidden up front charges.

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Managing your money

Managing your money

PaydayUK provides access to information to help you manage your money more effectively.

Let us explain in full

Ladder Loans

Need a longer term loan?


Ladder Loans offers loan terms of 3, 6, 9 and 12 months.

Click here to find out more about Ladder Loans

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

Representative Example: ³£230 borrowed for 28 days. Annual interest rate of 292.2% (fixed). Total amount repayable by one repayment is £281.52. 1297% APR Representative.


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