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Loan amount: X
Loan term: X
Interest: X
Total amount payable: X
Monthly repayment: X

*Minimum loan term - 62 days, maximum - 4 months

Important to know:

Warning: Late repayment can cause you serious money problems. For help, go to
Representative example: APR 1270% if borrowing £400 for 4 months. Interest: £265.48. Interest rate: 292% p.a. (fixed). Total amount repayable: £665.48 by four instalments of £166.37. Maximum representative APR 1604% if full loan repaid after 7 days. 

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Entering into a Credit Agreement is a serious consideration and we advise you to read carefully the information outlined in the Pre-Contract Credit Information [PCI]. Please see below for the downloadable copy of this information.

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Should you require further information and explanation, there are a number of ways which we can provide these:

  • ‘FAQ’ - answers to frequently asked questions are regularly updated on this website.

  • Use of the ‘Live Chat’ on the website which is available Monday to Friday 9 am to 5 pm (closed Bank Holidays). Outside of these hours please leave a message.

  • Our Customer Services team is available on 0151 601 8611 Monday to Friday 9 am to 5 pm (closed Bank Holidays).

  • Alternatively, you can email us at

A payday loan is a relatively small and short term loan to assist consumers in resolving a financial emergency until their next payday. Typical examples could be plumbing emergencies; domestic appliance repairs; vehicle maintenance or a larger than expected bill. We emphasise that payday loans are for short-term financial needs only and are not a viable answer to long term financial problems.

We recommend that you think carefully before applying for a loan.  Failure to repay the loan on time could seriously affect your credit rating and you may be liable to legal proceedings. You will incur additional charges and we suggest that you read the section “Costs in the case of late payments” on page two of the Pre-Contract Credit Information.

You have the right to withdraw from the credit agreement before the end of 14 days beginning from the day after you receive a copy of the agreement. If you choose to exercise your right to withdraw from the agreement, you must without delay repay your outstanding payment obligations: including the loan amount received by you and interest for the time you have had the loan amount in your possession.

Consumers who are experiencing financial hardship and require the advice of independent debt advisors; we would recommend the following not-for-profit organisations:

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