167 reviews

1281.8% Representative

Will lend between: £80 - £750

Over: 1 - 3 Months

Representative example: Representative Example: If you borrow £160 over 29 days at a Representative rate of 1,281.8% APR and an annual interest rate of 292.00% (fixed), you would pay 1 monthly instalment of £244.80. The total charge for credit will be £37.12 and the total amount payable will be £197.12.

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WageDayAdvance customer reviews.

167 reviews

3.4 out of 5 stars

do not use. there is no such thing as customer service
16:21 03-03-2016
ImageChoose Wisely

Deliberately don't contact you following a missed payment and so additional interest is charged. Then when you notice on your account that the payment hasn't been made it is too late to change anything. I offered to pay the total amount that was agreed when i originally took out the loan,but all that they wanted was the additional interest because all that they care about is profit and not the customer service and the financial difficulty that i was in when i took the loan. They just make things worse despite acting like they are there to help


A great service
19:07 20-02-2016
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I must say that personally I have had nothing but I fantastic experience using this company. I have used 3 times in 8 months and have found it extremely easy to use and the customer service is second to none,


22:42 10-02-2016
ImageChoose Wisely

Applied for a loan today and received the following statement 'We're happy to confirm that you're now a wage day advance customer. You will now receive and sms from us to confirm when your funds will be in your bank account.' What I did get was an email stating I was rejected. Incredibly poor service from an even poorer company. The directors of this mickey mouse company should be thoroughly ashamed of themselves.


Our review of WageDayAdvance

WageDay Advance offer a representative APR that’s fairly standard within the high-cost short-term market. Unlike other lenders of this type you can defer your loan payments if your term is over one month, however, you’ll still need to pay off the interest that you’ve accrued that month which means in the long run your loan will be more expensive and you’ll end up paying it back later than originally planned. This option isn’t offered for loans over two or three months.

If you miss a monthly payment you will incur a fee of £15, however this will only be charged once and doesn’t apply to loans over 4, 5 or 6 months. To make sure you don’t miss a payment, you can log in to your WageDay Advance management tool where you can see the details of the loan, your repayment summary and apply for another loan if your original one if fully paid off.

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: Despite their fairly expensive representative APR, WageDay Advance have received a multitude of positive reviews from their customers. They appear to offer their customers a suite of decent features and repayment options, however if you research the market you’ll be able to find cheaper options.

Written by: Alex


  • No charge for settling the loan early
  • Payout can happen in one hour
  • Returning customers can borrow up to £750

Minimum criteria

  • You must be aged 18 or over
  • You must be a UK resident
  • You need to be in employment
  • You must have a bank account and debit card
  • You salary will need to be paid into your bank account


  • Maximum APR 1281.8%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £15

WageDayAdvance Customer Question & Answers

Total question and answers: 3


Hi, I am currently applying for a loan from yourselves. Why do I need to provide the card number on the back of my card..?,
I am just enquiringly why you need the number on the back of my card. When applying for a loadJames Davies, at 11:09am 08/05/18


Hi James, we require the CVV number on the back of your card as a repayment method when your loan is due for repayment. If you would like any further information on this please email us at [email protected] or call us on 0333 006 2000 and we can provide further details.
Answered in 2 hours by Robert


I applied for a loan yesterday,had 3 emails stating i am now a wda customer and i should received another email/txt upon completion. Ive heard nothing else and when i log into the wda website its still saying you will receive an email/txt shortly. Am i right in thinking i have been declined?
James, at 10:44am 13/04/18


Hi James, Please could you email us at [email protected] with your postcode or call us on 0333 006 2000 so we can verify your application. If you’d rather provide your phone number in your email we’ll happily call you. Sarah
Answered in 8 minutes by Sarah


I would like to ask if my loan has been approved as I applied yesterday and it offered me 100 which I accepted and signed the agreement however it is still saying checks being done does this mean I've been declined as I urgently need to get my washing machine fixed
Amy hillan , at 12:23pm 10/04/18


Hi Amy, sorry to hear about your washing machine. Please could you email us at [email protected] with your postcode or call us on 0333 006 2000 so we can verify your application. If you’d rather provide your phone number in your email we’ll happily call you. Sarah
Answered in an hour by Sarah

About WageDayAdvance

WageDay Advance offer high-cost short-term loans between £80 and £750 over a term of one to six months. The representative APR for one to three months is 1281.8%. For new customers you’ll only be able to borrow up to a maximum of £500, however if you can show yourself to be trustworthy, then you’ll be eligible to borrow the maximum amount should you want another loan with them.

To complete the application you’ll need to fill out the form on the website, but you will need to have details of your home address, employment and your bank account details so that WageDay Advance can complete their affordability and creditworthiness checks. Once that is all done, they will contact you with their loan decision, term and amount.

During a loan term of a month, you may have the option to defer the loan repayments for a month by paying the interest only. To have this option WageDay Advance will need to check that you can afford to do so, even then you’re allowed to do this on a maximum of two occasions during one loan term. There are no fees for overpayments or early settlement of the loan, so if you have the ability to do this then simply get in touch with them.

Company information

Registration number: 04179322


0871 703 7777

Wellington Plaza, 31 Wellington St, Leeds, LS1 4DL

FCA registration

Reference No: 672831

Trading names: Wage Day Advance

Place of business: Wellington Plaza, 31 Wellington St, Leeds, LS1 4DL

Data protection registration

Registration No: Z1687106


Address: Wellington Plaza, 31 Wellington St, Leeds, LS1 4DL

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