Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk Representative APR: 1212% (variable). Representative APR Example: 1212% APR variable. £300 borrowed over 30 days would equal total borrowing of £372. Representative 1212% APR
Responsible Lending Policy
Who we work with
As a UK loan broker we endeavour to find you a lender that offers you the best chance of being approved and offers you a great product that fits your needs and requirements - at the best rate for you.
We work with lenders that are authorised fully, or with interim permission, from the Financial Conduct Authority (FCA). We do not work with any lenders that do not have a licence with the FCA.
As well as the requirement to have a licence from the FCA you will also find that some lenders will have voluntarily signed up as members of the CFA (Consumer Finance Association) and/or the BCCA (British Cheque Cashers Association). This will mean that these lenders adhere to their codes of practice and guidelines.
Lenders will use the information you provide to determine if they deem that you can afford the loan that you have applied for. It is their responsibility to ensure that the loan is deemed affordable. The definition of affordable should apply to the fact that a payday loan is designed, as its name suggests, to be repaid on the next pay day.
Payday loans should only be used for short term needs and only used to cover an urgent, short term, requirement. You should always make sure you have factored into your finances that the loan will need to be repaid, in full, with interest, when you next get paid. If you feel you will not be able to make this commitment then a payday loan may not be for you.
A lender should explain everything clearly to you - either in writing or verbally and at all times. Ensure you read all documentation provided by a lender, including any responsible lending policy they may have, and ensure you read the terms and conditions and overall cost of borrowing the loan from them. If you are in any doubt ensure you speak to someone at the lending company to confirm.
Representative APR: 1212% (variable). Representative APR Example: 1212% APR variable. £300 borrowed over 30 days would equal total borrowing of £372. Representative 1212% APR
*We are not a lender, we provide a free credit brokering service. We will never charge you a fee for using our application.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Payday-loans-for.me.uk is a website operated by Rainbow (UK) Ltd. Rainbow (UK) Ltd is fully authorised and regulated by the Financial Conduct Authority - FCA Number 674557. Our trading address is Unit 8 Saxon House, Upminster Trading Park, Upminster, Essex, RM14 3PJ. Our other contact details are specified on our website.
PayDay Loans for me, may receive a fee/commission for either referral or completion of your loan application.
PayDay Loans for me is not a lender but a broker that has access to multiple lenders across the UK. We cannot lend you finance ourselves - only refer you to a lender who can.
Payday Loans should be used for short term lender purposes only - not as part of a longer term financial option. Not all lenders will offer a 100% online decision - some may require to speak to you or require further forms of identification or details to check affordability. You will be credit checked by lender(s) to determine if you can be approved a loan.