PROVIDER

PAYDAY UK

WHO ARE THEY?

WWW.PAYDAYUK.CO.UK is a trading name of MEM Consumer Finance Ltd (registered number 04786727). Registered office: Witan Gate House, 500-600 Witan Gate West, Milton Keynes, Buckinghamshire MK9 1SH. Consumer Credit Licence: 539935. Data Protection Number: Z910879X.

Payday UK is part of MEM Consumer Finance Ltd – the UK’s largest online payday lender. MEM Consumer Finance Ltd has provided small loans to over 100,000 customers since August 2003 so, you can be assured of excellent customer service and value for money.

USP

A ‘no faxing’ application process - quick and easy - no documentation required. Borrow up to £750 until your next payday.

PROS

Simple, fuss free application process with no faxing of documents required. A clear, easy to understand charging structure with absolutely no hidden costs. You may ‘defer’ your repayment by arrangement allowing you extra flexibility with your budget. Self employed accepted as long as they have a regular income paid into their bank account.

CONS

Not a viable option if you’re experiencing regular financial difficulties every month. May be viewed as a expensive way to borrow. Need to ‘take home’ after deductions, more than £750 each month so not available to those applicants who have a lower income.

CHARGES

Flat fee of £25 per £100 borrowed - no hidden costs. Typical 1355% APR (30 day loan).

APPLICATION OPTIONS

Apply online. Complete the quick application online. If you’re approved, you’ll be asked to complete your bank and debit card details and then sign your loan agreement. Money is then transferred to your bank account.

WHO CAN APPLY

Over 18s in full-time employment with a take home pay of more than £750 per month. A bank account with a valid debit card is essential.

  

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If you have been refused for a credit card there are cards designed for those that need to build their credit or have never had a card or even if you have CCJ's, defaults and arrears.

Everything Financial offer products and services to help rebuild your credit history. If you have been turned down for a credit card or loan, we have various no credit check products or products designed to help rebuild your credit. We affiliate with leading UK companies within this market that understand your credit history may be less than perfect. Products include no credit check online payday loans, unsecured loans for bad credit, credit cards even with a poor credit history, prepaid credit and debit cards, guaranteed banking accounts and many more.