The basics
What are payday loans and how do they work in the UK?The full journey, from the expense that starts it to the final repayment.
13 min read
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. UKPayday is a credit broker, not a lender.
Guides
Borrowing,
explained plainly
Short reads on how short-term credit works, what it costs, and what to do if things get tight. No jargon and nothing you need to sign up for.
Before you borrow
5 guides
The market today
Do payday loans still exist in the UK?What changed after 2014, why the brands vanished, and what the product looks like now.
10 min read
Before you borrow
Alternatives worth checking firstOptions that may cost less than credit, including help you may already have.
14 min read
Weighing the risk
Are payday loans bad? The risks explained clearlySeven risks you can assess before you apply, and the point at which the answer should be no.
13 min read
Acceptance claims
Do any payday lenders accept everyone?What advertising phrases actually mean, and what to do after a decline.
9 min read
What it costs
3 guides
Cost of credit
APR, interest and total repayableWhat each number on an offer means, and which one to compare on.
11 min read
Affordability
Working out what you can afford to repayA simple way to test a repayment against your month before you commit to it.
11 min read
Consolidation
Can you consolidate payday loans?Five checks that decide whether one payment is genuinely better than several.
13 min read
Credit files and checks
4 guides
Credit files
What a soft search actually doesWhy an eligibility check leaves no mark, and when a lender runs the harder kind.
9 min read
Decisions
How lenders decide, and what they look atThe checks behind an application, and why two lenders can disagree.
13 min read
Credit scores
Do payday loans affect your credit score?What changes at each stage, from the eligibility check to the final repayment.
12 min read
How long it stays
How long do payday loans stay on your credit report?Which date each entry counts from, and when it should disappear.
13 min read
If things go wrong
3 guides
If things go wrong
What to do if you cannot make a repaymentWho to tell, when to tell them, and the free help available to you.
11 min read
Getting clear
How to pay off payday loans and break the borrowing cycleA plan that starts with what is left after essential costs, not what the lender asks for.
15 min read
Refunds
Can you claim back interest on payday loans?How an unaffordable lending complaint works, and why you do not need a claims company.
14 min read
Your circumstances
1 guide
Benefits as income
Can you get a payday loan while receiving benefits?Which benefits lenders may count, and how to work out what is genuinely available.
13 min read