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How it Works


Our service is free of charge and we only use the information you submit in the application to match you with a lender that best fits your needs. We do usually receive a commission for matching you with a lender but do not make lending decisions or act as an agency for any one product or service.

We do not pass you to lenders based on how much we are paid in commission but purely on how they match your specific requirements and give priority to the lender offering the lowest APR so you can be sure you’re receiving the best offer available.

1) Fill out the secure online application

Once you submit your application you may need to wait up to 3 minutes for us to match you with a lender, please be patient and do not refresh or hit the back button.

Once we have successfully matched your application with a lender, we will automatically redirect you to that lender’s webpage. Many lenders will send you an email and/or SMS message to confirm your loan, be sure to check your phone and/or email in case they require you to submit a pin number or confirm via phone/email.

2) Complete e-signature page and check email/phone for additional steps

Once redirected to the lender's page you may be required to fill out some additional information and submit your e-signature. In some cases you will need to confirm your email or phone number and submit a pin number.

3) Loan automatically deposited into your account

Upon approval, most lenders will deposit your loan on the same day. If you apply after 5pm Monday to Friday you may have to wait until the following day to receive your funds although many lenders can fund loans around the clock. Please review your loan agreement carefully or speak with customer service to understand when your loan will be deposited and when the repayments will be due.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
Pounds Till Payday is not a lender but is a licensed credit brokerage business which affects introductions between borrowers and lenders.

Representative Example:

277.5% APR Representative

£700 FOR 12 MONTHS
£111.27 PER MONTH
INTEREST £635.24
TOTAL REPAYMENT OF £1335.24

Interest rate: 140% pa (fixed)
277.5% APR Representative