How do I apply?

Please complete the quick, easy and confidential online application form. If you are approved you may be asked a few quick questions by one of our advisors. Once your loan is approved, you will sign your loan agreement electronically and we take care of the rest.

When will the funds be transferred to my account?

If arrangements have been made before 3pm then funds are usually transferred to your bank account straight away. If not, then the funds will be in your account on the very next working day.

How will I get my money?


Any funds will be paid directly into your bank account.

How and when do I repay my loan?


Your repayment will usually be taken via direct debit on your next payday.

Do you use credit scoring or credit reference agencies?


No we do not use credit reference agencies to score your application.

I have bad credit history – can I still apply?


Yes you can. We do not base our decision to lend to you over the long term (12 months or more), we are only interested in your present circumstances.

Can I defer my payment of my loan?


Yes – although after deferring the loan twice we will ask you to start reducing the balance. Deferral will also incur new charges for every month the loan is deferred – but still at our fixed rate – there are no additional charges.

What if I have problems paying?


We understand that people's circumstances can change. If this is the case, you must let us know as soon as possible and we will do our best to help. The most important thing to note is: Do not borrow money you do not think you can pay back.

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© 2011 All Rights Reserved | It's My Payday Now | 145 - 157 St John St, London, EC1V 4PW | Data Protection Number: Z1703023 | Credit License Number: 612532


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%. 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 cases.

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.

*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.