Instant Payday Loans - By Text!

We offer payday loans up to £500 (for returning customers) repayable over 7 to 37 days.  Terms available do differ based on the amount you need.  The loan amount depends on your credit score.  

We will tell you upfront what the full cost of your short term loan will be. There are no hidden charges.

A short-term loan also known as a microloan can help with occasional cash flow problems. It can help to tide you over for a few days or weeks.

A microloan should be used only for short-term financial needs and is not appropriate for long-term borrowing or if you are experiencing financial difficulties.

Using a microloan can avoid nasty overdraft charges or returned item fees on your bank account.

Avoid overdraft charges with a payday loan

A microloan is often better than using your credit card. You can’t fall in to the trap of just paying the minimum repayment which would keep you in debt for longer.

A microloan is ideal when faced with an unexpected bill or an amazing bargain that you don’t want to miss out on.

A microloan can be used as a pay day loan which means that your life doesn’t have to stop while you count down the days or weeks until payday.

A microloan displays a higher APR than what you may typically see elsewhere. Please don’t let this confuse or alarm you. APR is a measure of the annual percentage rate. As the microloan is only a short term product (max 37 days) the APR is not always the best measure to use. Your total charges/fees are displayed upfront so you can see the real cost for yourself.


Warning: Late repayment can cause you serious money problems. For help, go to
Representative Example: Amount of credit £300 for 37 days. Interest £88.80. Interest rate 292% p.a. (fixed). Representative 1190% APR. Total amount repayable by one repayment of £388.80.
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