Business Details
15 Years
experience
Emergency
services
Trusted Payday Loans and Instalment Loans in London
Established in 2011, we are a London-based financial services provider authorised and regulated by the Financial Conduct Authority. Our FCA authorisation number 673281 ensures we operate within strict compliance standards, offering short-term credit solutions to UK customers facing temporary cash flow challenges. With over 14 years of experience in responsible lending, we utilise advanced automated risk assessment technology to deliver transparent, customer-focused loan products. Our membership of the Finance and Leasing Association demonstrates our commitment to industry best practices. We specialise in payday loans, instalment loans and bridging finance, with loan amounts ranging from 100 to 5,000 and repayment terms between 3 months and 3 years.Our proprietary auto-decisioning system enables rapid loan approvals, with funds often transferred the same day via Faster Payments. We maintain rigorous lending criteria, declining two-thirds of first-time applications to ensure affordability, while offering fee-free early repayment options. Our digital-first approach eliminates paperwork through fully automated online processes, maintaining clear pricing structures with no hidden charges. We prioritise financial education through resources like our credit score impact tool and debt consolidation calculator, supporting informed borrowing decisions.
Services
Payday Loans
Instalment Loans
Bridging Loans
Same Day Loans
Emergency Cash Loans
Credit Score Analysis
Debt Consolidation
Affordability Planning
Details
- Year established: 2011
Highlights and features
- FCA-regulated lending with authorisation number 673281
- Over 14 years of experience in responsible credit solutions
- Advanced automated risk assessment technology
- Transparent pricing with no hidden charges
- Same-day fund transfers via Faster Payments system
Associations and certifications
- Financial Conduct Authority
- Finance and Leasing Association
Services
Payday Loans
Payday loans provide immediate financial assistance for urgent expenses, typically repaid on your next payday. These 100-5,000 loans suit unexpected costs requiring rapid resolution. Our FCA-regulated platform ensures responsible lending through automated affordability checks, with transparent APR rates starting at 79.5% fixed.
Instalment Loans
Instalment loans offer structured repayment plans for larger amounts, spreading payments over 3-36 months. Available from 100-5,000, these loans suit planned expenses requiring budget flexibility. Our system provides clear repayment schedules with options for early settlement without penalty fees.
Emergency Cash Loans
Emergency cash loans deliver rapid financial solutions for unforeseen circumstances, with decisions in minutes and potential same-day transfers. Our automated system prioritises urgent applications, maintaining strict affordability criteria while offering transparent terms for short-term liquidity needs.
Credit Score Analysis
Our credit score impact tool helps borrowers understand their creditworthiness before applying. This free resource explains credit scoring factors and potential impacts of loan applications, supporting informed financial decisions while protecting users' credit ratings.
Debt Consolidation
Debt consolidation services combine multiple debts into single manageable payments. Our platform offers tailored solutions for simplifying repayments, potentially reducing interest costs through structured loan terms while maintaining FCA-regulated responsible lending standards.
Questions
What are the eligibility criteria for loans?
Applicants must be UK residents aged 18+, employed with a regular income, and possess a UK bank account. All applications undergo automated affordability and creditworthiness assessments.
How quickly can I receive funds?
Approved applications may receive funds the same day via Faster Payments, depending on lender policies and banking hours. Some transfers may take up to 48 hours if banks don't support Faster Payments.
Can I apply with bad credit?
We consider applications with lower credit scores through flexible affordability checks. Our system evaluates financial circumstances rather than relying solely on credit history, maintaining responsible lending standards.
What interest rates apply?
Interest rates range from 11.8% to 1721% APR. The representative rate of 79.5% fixed applies to 51% of accepted applicants. Your personal circumstances determine the specific rate offered during application.
Are loans regulated?
Yes, we're authorised and regulated by the Financial Conduct Authority (FCA) under number 673281. As a credit broker, we connect borrowers with FCA-authorised lenders following strict compliance standards.
