Is a Payday Loan Lender?

We are a payday loan lender in the UK and we act as free brokers too (in the event we are unable to fund you ourselves only since we would much rather be your Lender). This means you are dealing with the company that will hopefully provide your loan.

When will I receive my payday loan from Miss-Payday?

If your application is approved we hope to have the cash in your account between 15 minutes and 24 hours after being accepted; this is very much subject to your own Bank’s money transfer process and speed thereof.

How much cash will I be able to borrow? The £100 Loan.

We specialise in the £100 Loan but you can borrow anywhere from £100 to £500 depending on your personal circumstances.

You BorrowYou Payback

Why is the APR so high?

Annual Percentage Rate or APR is a common method for comparing finance that is lent over a period of 12 months or more but an instant loan is set at a period of 1 month and therefore can be misleading for any comparison purposes.

Are there any charges or fees for applying for a payday loan?

There are no charges or fees for applying. Even if your application is approved you will be under no obligation to borrow the money and we will not charge you a single penny if you decide not to accept the loan.

The Representative APR is 1296.7 % (variable rate) for Short Term loans with

Can I apply for my loan over the phone?

No, all applications must be completed online. If you do have any questions contact us via

How do I pay back my loan to Miss-Payday?

Payment will be made automatically using a debit agreement agreed by you during the application. The approval process and is within 30 days which will be your next Pay Day. If we agree to give you a loan the date will be agreed then and it is usually arranged to be on your pay day.

What can I use the money I loan for?

You can use it for anything you want. We strongly recommend it is used only for emergency funding shortfalls.

Will you contact my employer?

We do not normally contact employers although in some cases we may wish to, to verify your employment.

Do you accept people who have a poor credit history?

Indeed, we do. As a Payday loan lender, we accept anyone with a poor credit history are very welcome to apply – all applications which meet the basic criteria will be considered by

Warning: Late repayment can cause serious money problems. For help, please go to

Representative APR 1269.7% (variable)

Representative Example

  • Borrow £100 for 30 days
  • Amount payable: £124
  • Interest £24
  • Interest rate: 300% p.a.

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 counseling.

Please Remember To Be Responsible With Your Borrowing:

We strongly encourage that you only agree to a loan and the terms in which you are comfortable repaying.

Consumer Notice:

Payday loans are designed for short-term financial assistance. They are not intended or designed for long-term financial solutions. For long-term financial cash needs we highly recommend seeking the advice of a professional financial advisor. is a Trading Style of The Quick Loan Shop Ltd which is registered in England and Wales. Registered Number: 08046177 Registered Address: 31 Dashwood Avenue, High Wycombe, Bucks, HP12 3DZ. Miss-Payday consumer credit activities are licensed by the FCA, Consumer Credit License Number: 672828 Loans are only available to over 18’s and are subject to status.

Data Protection Act 1998 No. Z3251194