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Representative APR example: Borrow £200 for 30 days. The total charge for credit is £50. Interest is fixed at a rate of £25 per £100 loan. The Total Repayable is £250. Representative 1734% APR. The APR includes important factors such as the interest rate you must pay; how you repay the loan; the length of the loan agreement (or term); frequency and timing of instalment payments and amount of each payment.

Financial solutions that are right for you

It's My Payday Now is a payday loans finder service to help you when emergency strikes.   We partner with a large panel of financial institutions to offer you a fast application, convenient financial solutions and a strictly confidential short-term loans service. Our loans are the flexible way to manage a temporary financial issue.


Whether you want to avoid traditional overdraft charges, settle unexpected bills or pay for a last minute trip, apply online and we could give you a decision today.


A short-term loan from It's My Payday Now can help you solve temporary cash flow problems in your bank account and avoid costly overdraft charges and late payment fees. The loans can be used for any reason you may have. We do not need to know why you need a loan and the process is completely confidential. To qualify, applicants must be UK residents, over 18 years old and employed.

It's My Payday Now's short-term financial solutions are the flexible way to help you take control. We want to be sure your loan is right for both your plans and your finances. That's why you'll find helpful online tools to help you decide what you can comfortably borrow.

Apply today and get a personalised quote online.

Its My Payday Now make it easy to get your finances in order


Collection practices
If you are having problems making a payment please contact the lender that you signed your loan agreement with so that you can discuss your payment options. If you default on your loan without getting in touch with your lender, they will endeavour to contact you first by phone, email or SMS.

Lenders usually reserve the right to utilise the Continuous Payment Authority to continue to attempt to take payment from your card up to 90 days past your due date. This is only done if it is in line with the terms of your agreement. Please check your own Terms and Conditions on your signed loan agreement for details. Should the payment situation remain unresolved lenders reserve the right to pass your details onto a third party collections agency.

Non-repayment of payday loan
Payday lenders do understand that people's circumstances sometimes change. If this is the case, you should let either ourselves or your lender know as soon as possible so that we can help you in the best possible way.

Important things to remember:
  • Don't borrow money if you know you will struggle to pay it back
  • Don't ignore the situation, contact your lender as your first port of call and they will help as much as possible

Please be aware that if do not repay your loan at the agreed date between yourself and your lender, this will result in your lender reporting your case to the Credit Reference Agencies; which may have a negative effect on your credit score. This may negatively impact your ability to obtain credit in the future for services such as car finance, mobile phone contracts or satellite TV subscriptions.


If you default, you may be charged a collection fee (which varies from one lender to another), plus interest on the balance outstanding at the interest rate payable under the agreement. You must pay your lender any reasonable expenses and costs that may be incurred in taking steps to enforce (for example, via County Court Judgements), or attempt to enforce, the lenders rights against you under your agreement.

Payday loan renewal
Subject to your agreement with your lender and your circumstances, you may be eligible to renew your loan. Usually, lenders will only allow you to renew your loan a maximum of three consecutive times, please refer to your the Terms and Conditions of your agreement for details. The renewal process works by paying the interest only. If agreed, you lender will then extend your loan, plus interest, to your following payday. This ensures that the balance of your loan does not increase unlike some short-term loan providers. Lenders will only renew your loan once they have express authority from yourself to do so and subject to their own criteria.


Representative APR example: Borrow £300 for 30 days. The total charge for credit is £75. Interest is fixed at a rate of £25 per £100 loan. The Total Repayable is £375. Representative 1286% APR. The APR includes important factors such as the interest rate you must pay; how you repay the loan; the length of the loan agreement (or term); frequency and timing of instalment payments and amount of each payment. Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counselling. Subject to approval times and lender's own policies. In most cases, funds will be deposited the same working day, if approved by 14:30. Approval may take up to 30 minutes in most
The APR% for Payday Loans may seem quite high at first glance. Taking into account that all setup fees and administrative costs are included and since most Payday Loans are paid over a period of no more than 70 days a yearly APR% might be misleading. In most cases taking a payday loan is much cheaper than paying overdraft penalties, bounced cheques or unpaid bill charges. Disclaimer: As a condition of extending credit, some lenders you may be matched with may run a credit check from a major credit reference agency upon your consent. Its My Payday Now is a licensed credit broker by the Office of Fair Trading.

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Representative APR Example Borrow £200 for 28 days. | The total charge for credit is £50. | Interest is fixed at a rate of £50 per £200 loan (326% per annum) | The Total Repayable is £250. Representative 1734% APR


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

Terms and Conditions apply. Your rates may vary based on your personal circumstances and with the actual lender we select and accepts you. Representative APR (Annual Percentage Rate of charge): 1286%.
Loan amounts are based on consumer's credit history and ability to repay loan. Not everyone may qualify for £2,500. Its My Payday Now is not a lending or banking institution and it does not broker loans to lending institutions. The personal information you provide will be provided to a third party lender to provide you with a loan application and the potential to receive a loan. Its My Payday Now makes no guarantees or warranties with regards to the availability of a loan or any other aspect of the terms and conditions of the lending institution. This web site places no value to this service. For details, questions, or concerns regarding your unsecured cash loan please contact the lending institution directly. Not all lenders can provide up to £2,500. Cash transfer time may vary between lenders. We assume no responsibility for the services or information you may receive from the lender. All loans are subject to credit approval. Certain limitations apply.