Payday Loans
Money Ladder give you access to your money when you need it most. Unexpected expenses can occur at any time during the month and don't always fit around your payday.
Whether it's car repairs, family expenses or just about any of those one-off or unexpected costs, we can help with a quick, easy loan, repayable on your payday.
Just complete the form below for a quick decision.
How much can I borrow?
You can borrow between £80 and £750. The charge is set at £25 for every £100 borrowed.
The Typical APR is 1737%, but bear in mind this is a 30 day loan, so Annual Percentage Rates (APR) are not really relevant.
How do I get a payday loan?
Borrowing is simple and fast! We give instant online decisions, without the need for faxes or post.*
You are just a few minutes away from your payday loan!!
All you need to do is:
- Fill in our fast application form (below) and press “Submit”
- Within a minute we will tell you if you have been approved
- Once you’ve been approved, then enter your bank account details (so we can pay you) and debit card details (so you can repay us on your payday) and press “Submit”
- Your loan agreement will be displayed online for you to sign
- In some cases, we will transfer the funds the same working day. Please be aware that banks may take up to 3 working days funds to clear the funds.
* Occasionally we will be unable to confirm all details automatically. Should this be the case we will ask you to fax in simple documentation for us to be able to approve your loan.
Do I qualify?
To qualify, you need to:
- Be over 18 years old
- Be employed fulltime
- Take home more than £750 per month
- Have a bank account with a valid debit card
How long does it take?
Just apply online using our quick and easy form below and the money could be in your account today. Please note that in some cases your transfer could take 48 hours, depending on where your current account is held.
How do I repay?
Repaying your payday loan could not be easier.
We simply debit the payment from your debit card on your payday for the agreed amount – no fuss and nothing further for you to do.
Can I defer my repayment?
We do understand that occasionally people will need to borrow money for a second month. We call this a deferral. You will have to repay the charges and we suggest you pay as much as possible to reduce further charges.
If you feel you may need to defer your loan, please contact our customer services team on 0871 271 6111 where one of our dedicated advisers will be pleased to help you, or visit the Existing Customer Login.
