Responsible Lending

Payday United is committed to offering a responsible and transparent service to our customers.

Our Practices

• We do not charge unnecessary or hidden fees
• We do not encourage customers to take out loans that are not suitable
• We do not target customers who are in financial difficulty or distress
• Our service is made clear to customers and is simply worded and explained on our website
• We follow all legal and regulatory best practices

Be Responsible

• Please look carefully at whether you can afford any loan before taking one out
• To avoid paying penalties and extra charges, repay your loan on time if at all possible
• Please be aware that if you do make late repayments or fail to repay your loan you will incur further charges that can be costly
• Payday loans are short term loans. If you are looking for a loan over a longer period of time consider alternative types of finance that may be more suitable
• If you are struggling to repay your loans or think you may have debt problems you should consider looking at other alternatives that may better suit your circumstances
• If you are unsure about your finances or would like help and advice you can contact the Citizens’ Advice Bureau:

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: 650559 Loans are only available to over 18’s and are subject to status.

Data Protection Act 1998 No. Z3251194