Rates & Terms

PayDayFinancial.co.uk is a loan matching service across the United Kingdom. We have agreements with independent and reliable licensed payday loan lenders, in which we attempt to match you (based on the information you provide) with a lender willing to give you a payday loan. We charge you no fee for our service which is designed to get you the money you need with as little hassle as possible.


A typical loan of £100 for a month will cost around £29

Please be sure that you read the agreement and terms and conditions provided by the independent payday loan lender. Rates and terms vary from lender to lender.

Example Loan Repayment Table

You Borrow You Repay*
£80 £103.20
£100 £129
£200 £258
£300 £387
£400 £516
£500 £645
£600 £774
£750 £967.50
*Payable in a single payment on your payday


Representative APR: 2670%
Representative Example: Borrow £180 for 28 Days. The total charge for credit is £52.2.
Interest is fixed at a rate of £52.2 per £180 loan. The Total Repayable is £232.2.


APR Explained

APR stands for the Annual Percentage Rate of charge. It is mandatory for all loans and credit cards to display their APRs. APR includes factors such as interest rate, the length of the loan agreement (or term), frequency and timing of installment payments, and the amount of each payment.

Please keep in mind that most payday lenders require the loan to be repaid in full, on your next payday. This generally does not exceed 31 days. Displaying interest in terms of APR can be confusing for some as it suggests that you will have the loan for an entire year, making frequent payments.

If your application is approved by a lender once we have matched you to them, be sure to ask the lender any questions you may have about their fees, interest or terms and conditions before signing the credit agreement.
Understanding loan charges
Representative 2670% APR
Representative APR example: Borrow £180 for 28 Days. The total charge for credit is £52.2. Interest is fixed at a rate of £52.2 per £180 loan. The Total Repayable is £232.2.