2533 reviews

Representative 1266.6% APR

Will lend between: £100 - £400

Over: 1 - 35 Days

Representative example: If you borrow £180 over 3 months at a Representative rate of 1266.6% APR and an annual interest rate of 290% (fixed) you would pay 3 monthly payments of £98.61, £88.60 and £74.30. The total charge for credit will be £261.51 and the total amount payable will be £81.51.

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2533 reviews

4.5 out of 5 stars

Our review of have 2 payday loan products; for up to 35 days or a multi month instalment loan for up to 3 months.

There’s no fee for setting up the loan, you can repay early free of charge and you can manage your loan through an online account area. However, unlike other lenders you can rollover the loan if you notify them before your payment due date. You can do this twice per loan, but be wary as you will have to pay the extra interest and it will end up costing you more in the long run.

They also have their #pricecheck scheme which will refund your total cost of credit if you’re application to is declined, but you get another loan at a better rate on the same day and pay it back on time. For this you’ll need to provide your rejection email as well as your loan agreement of the successful loan.

As with any high-cost short-term product the usual warning applies. If you have any doubt whether you can afford to repay your loan on time and in full, then don’t apply. By missing or being late with repayments, you will not only harm your credit file but could be subject to a number of fees, which can soon make things very expensive.

Overall verdict: Although their product is fairly standard within the market, do offer a price matching scheme for customers they have declined and  who have then gone on to be accepted by a different lender. This scheme shows the confidence they have in their decision making and acceptance criteria which along with their strong reviews could be a solid basis in which to consider if this is the kind of product you’re after.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • Repayment date extensions available
  • No charge for early repayment of the loan
  • Online account for loan management
  • #pricecheck scheme offers refunds if other lender is cheaper

Minimum criteria

  • You must be aged at least 18
  • You need to be full or part-time employed
  • You must be a UK resident
  • You need to have a UK bank account with debit card


  • Maximum APR 1266.6%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £10 Customer Question & Answers

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About offer unsecured high-cost short-term loans between £100 and £400 that are repaid in one lump sum on your next payday at a representative APR of 1,390%. 

To apply you need to fill out their online application, wait for them to check your affordability and creditworthiness, and you should receive a decision within a few minutes. If you’re successful and the loan is approved, then the funds should show in your account almost immediately, depending on how long it takes your bank to process payments.

To keep track of how much you owe, you can log in to your online account via the website. You can also use this function to pay back the loan early free of charge. If you’re unable to make your repayment to, then you will incur a £10 default charge and will have to pay the interest up to 60 days after your original due date.

Company information

Registration number: 07989136


3rd Floor 12 Gough Square London EC4A 3DW

FCA registration

Reference No: 673186

Trading names:

Place of business: 3rd Floor 12 Gough Square London EC4A 3DW

Data protection registration

Registration No: Z3194688

Data controller: FCA

Address: 3rd Floor 12 Gough Square London EC4A 3DW

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