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 Borrow You Payback
£100 £124
£200 £248
£300 £372
£400 £500
£500 £620

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 a payday loan is set at a period of 1 month and therefore APR can be misleading for any comparison purposes.

Remember, the actual cost of short term loans (or payday loans) since Regulation in 2015, is capped at 0.8% per day; Cheap loans therefore. All lenders have to abide by this legislation and thus most loans are the same cost to Borrowers. The key is finding the best loans.


So how do you look for the best loans? The key is research to find the lender with the best reputation offering the best customer experience. You want to borrow from a Lender who will take care of your interests throughout the Loan Agreement period. A lender who will not charge you any late fees, a Lender that understands the whims of everyday life and who will not cause you any financial hardship should you be unable to repay.

At Miss-Payday, we work on relationships.

A good relationship is for life. We want to be your lender for every time you need a small loan. We believe this is the only way to do business; to provide a personal bond and help you. If you like us, you will keep coming back to us. User experience is golden. It is what we strive for and achieve.

Are there any charges or fees for applying for our cheap loans?

There are no charges or fees for applying for our payday loans. 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. We have zero upfront interest charges.

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. The reason for this is privacy and security. If your application is handled by a secure SSL-protected server, then you can be assured of discretion and security with your data. If you do have any questions contact us via

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

Your approved loan application and credit agreement will stipulate a repayment date or schedule. We will send you a reminder email the day before your repayment is due. We then wait for you to make that payment. Miss-Payday does not take the payment from you ourselves.

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 however. Payday loans should never be used for long-term debt.

Will you contact my employer?

We do not contact your employer. Ever. This is a guarantee. Your Privacy is important to us and your loan with us is kept discrete. Another reason why we provide the best loans!

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; anyone is very welcome to apply – all applications which meet the basic criteria will be considered by Even for low credit scores we offer cheap loans.

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 loans 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