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Response Funding

1 reviews

1304.41% Representative

Will lend between: £150 - £500

Over: 1 - 3 Months

Representative example: Representative Example: If you borrow £200 over 3 months at a Representative rate of 1,304.41% APR and an annual interest rate of 292.00% (fixed), you would pay 3 monthly instalments of £103.79. The total charge for credit will be £111.36 and the total amount payable will be £311.36.

Are you eligible for Response Funding?

Check your eligibility before you apply.

  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
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Response Funding customer reviews.

1 reviews

2.0 out of 5 stars

No loyalty
15:40 20-08-2016
ImageChoose Wisely

Been with them for a while with no problems apart from having to go into an arrangement for last one. All fully paid back. Re applied but got declined even though salary had increased since last application. No explanation apart from template email saying low internal credit score


Our review of Response Funding

Response Funding are a short-term lender based in Dorset. Formerly known as Fancy a Payday,  they offer payday loans to be repaid over 3 months. However, if you would like to settle your loan early, Response Funding charge no fees or penalties which is fantastic as this save you cash in the long run.

When you’re looking at the price, Response Funding advertise a pretty average APR in the high-cost short-term market but there are no surprising fees, even if you make a late repayment. If you do think you’ll miss a repayment, make sure you, contact their customer service team as soon as possible.

Online reviews for Response Funding are mostly positive, giving particular praise to the customer service team and speed of payout. 

As always, the usual high-cost short-term loan health warning applies: make sure you keep up with your repayments and consider all of your options. Although Response Funding do not charge for missed or late payments, they will show up on your credit file and make your financial life more difficult. Response Funding holds a reputation for being approachable and will work with you to limit the damage.

Overall verdict: If you’re thinking of going down the route of a short-term loan then Response Funding is an option to consider. Across the web, reviews are positive. But remember, like any other high-cost short-term loan, compare your options and ensure you can meet the repayments before you apply.

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.


  • You don't need to have a perfect credit history

Minimum criteria

  • You must be at least 21 years old
  • You must have a UK bank account with direct debit facilities
  • You must be a UK resident
  • You must earn at least £900 a month and have it paid into your bank account
  • You must be in permanent employment


  • Maximum APR 1304.41%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

Response Funding Customer Question & Answers

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About Response Funding

For all new customers Response Funding offer loans of up to £200. As a returning customer and based on your personal circumstances you may be offered up to £500.

With Response Funding, you can apply online or over the phone. If you want to apply online, you need to complete the application form on their website. Once you complete the application, it will be forwarded to a representative who will review your details, contact you with a provisional decision and may request you to send some documents in. As part of the whole process, Response Funding will also carry out a credit check on you. This is standard procedure for anyone applying for a loan. 

Once everything is verified, they will contact you to inform you of their final decision. If approved, the money can take up to 3 working days to be transferred into your bank account. There is no charge for same day transfer so you could receive your funds the same day as your application.


Company information

Registration number: 7170462


0330 223 0166

55 Cobham Road, Ferndown Industrial Estate, Wimborne, England, BH21 7RB

FCA registration

Reference No: 670986

Trading names: Fancy A Payday, Cheque a Loan, Response Funding

Place of business: Trinity Unit 8, 2nd Floor, 161 Old Christchurch Road, Bournemouth, Dorset BH1 1JU

Data protection registration

Registration No: Z2613446


Address: Trinity Unit 8, 2nd Floor, 161 Old Christchurch Road, Bournemouth, Dorset BH1 1JU

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