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PaydayUK and your credit rating

At PaydayUK we work with Credit Reference Agencies. This means that when you apply for a loan with us we check your credit record in order to make a lending decision. This will leave a footprint on your credit file as Instant Cash Loans Limited which will be visible to others viewing your credit file.

When your loan is deposited, we will record this with the Credit Reference Agencies and continue to report your loan performance.

Your credit rating

As soon as you repay your loan on your agreed date(s), we will report it to the Credit Reference Agencies, so they know you have repaid your loan.

If you do not repay your loan, this will also be reported to the Credit Reference Agencies, which may have a negative impact on your credit rating as it will be visible to other credit providers.

This may adversely impact your ability to obtain credit facilities in the future for things such as mobile phones, vehicle finance or other credit products.

If you are concerned about your credit report there are several companies, which offer you the chance to see it for free, such as Experian Credit Expert.


Representative Example: £300 borrowed for 3 months. Annual interest rate of 292% (fixed). Total amount repayable is £490.17 in 3 monthly instalments of £163.39. Representative 1190% APR.

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

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