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Frequently Asked Questions

How long does it take to apply and when will I receive my cash ?

In most cases, you will receive an instant decision online in 2 minutes. In some cases you may be required to send in further information but even so the funds will be received on the next business day at the earliest.

How much can I Borrow ?

You can borrow from £100 up to £1000 depending on your personal circumstances.

Do I Qualify for a Payday Loan ?

You need to be over 18, in full time employment, earning £750 and above per month and have your wages paid directly into your bank

account. You will also have to approve your identity.

What are Our Charges ?

For every £100 borrowed you payback an extra £24

Do you use credit reference agencies ?

Some of our lenders use credit reference agencies to help make a decision on your application. If you application is declined by a lender, your application is automatically passed over to further lenders.

Can I still apply if I have a bad credit history ?

You can still apply even if you have a bad credit history, as our lenders base a decision to lend on your current circumstances and only to borrow money for a short period of time of over 1-2 months and not on a yearly basis.

Can I still apply without a debit card ?

You do not always require a debit card to apply for a loan.

Ho w do I Apply ?

Please fill out your details on the application form on the Apply Now page . You will receive an instant approval online.

When will I receive the funds?

You will receive it at the earliest on the following working day.

Where will you send the funds ?

The funds are paid directly into your bank account.

How do I payback the loan ?

We will take the money from your debit card on your next payday.

Can I defer the return payment ?

The lender that approves your loan will determine the details of deferred payments.

What if I have problems paying back the loan ?

Please inform the lender  if you have any difficulties in paying back the loan.

I am happy with your Company Services- What can I do ?

Please email us at if you are happy with our service. We may even post it on our website.


If you have any complaint about our services or any other issue, please send us an email to and we will endeavour to help you in any way that we can.

Representative example on a loan of £200 repaid after 30 days:

  • Total charge for credit: £248
  • Payable in one payment of: £248
  • Interest: £48
  • Interest rate: 292% p.a.
  • Representative 1223.6% APR (variable)

Customer Satisfaction

Our Customer Service centre will respond to your emails promptly
Monday-Friday from 9.30am-5.30pm
*subject to lenders requirements and approval

Our company is a licensed credit broker and not a lender

Marc Obadia T/a - Payday Lenders Direct Registered Office : 8 Parson Street, London NW4 1QB
Financial Conduct Authority Interim Permission Number: 654479 Data Protection Registration: ZA060351 Payday Lenders Direct is Authorised and Regulated by the Financial Conduct Authority”
Copyrights © 2011 Payday Lenders Direct. All rights reserved.
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