quick payday loan

1 - Apply Online	2 - Sign Online	3 - Get Cash
Apply online, there's no credit check done so people with poor credit can be accepted. Takes 1 minute to apply online too.	You get an instant decision, if accepted you simply sign online, there are no forms to fax back or post back to us.	Cash is sent the same day and should be in your bank the same day, some banks may take longer then 24 hours.

Frequently Asked Questions & How Quick Payday Loan Works

How do i apply for one of your loans?

You just fill in the online form then we will tell you straight away if you have been accepted, there is no waiting as there is no credit check needed to be carried out, after you have been accepted you then just enter your bank details and also debit card details so you can repay us and then just sign the form online, no faxing is required, or posting of forms too, we will transfer your cash into your bank account the same day as well. The whole process takes only 5 minutes so very quick. Some banks take upto 48 hours to accept the bank transfer, please be aware of this when applying for a quick payday loan.

Can I apply if I have low or poor credit rating or arrears?

Of course, we accept most applications even if you have low or poor credit, mortgage and loan arrears too, even CCJ's and defaults, we accept over 99% of all applications done online as long as you meet our guidelines.

What can I borrow from you?

You can borrow from just £80 right upto £750, this will depend on your present circumstances. When you apply we will tell you the how much you can borrow. The charge is £25 per £100 borrowed, thats all. See examples below of the charges for our payday loan.

What's same day cash charges and how much can I borrow?

You can choose to borrow anything from £80 upto £750 for quick payday loan, this depends on your present situation. When you apply we will tell you how much you can borrow from us. The charge is £25 per £100 borrowed, thats all you pay. See examples below on these charges.

APRs are a good way of comparing similar products but are not clear when comparing different products. The table below explains how it works :

As you can quite clearly see the APR for the two instalment loans or same day cash are exactly the same but the actual interest you pay as a percent of the loan is quite different, and a lot lower too with a pay day service.

You could also compare quick payday loan against an unauthorised bank overdraft. The UK banks do not have to quote APRs for your charges on unauthorised lending but the example below shows how APR works for going overdrawn slightly, even by £5 and being charged a rather large £25 charge for doing this.

This is why we make it clear how much you will repay in total rather than on just the APR figure.

At MEM Consumer Finance Ltd, they are always looking to improve their service for same day cash and to do everything they can to make sure you the customer get the best service when taking out same day cash. If you're not happy with the service we have provided then we would like to hear from you so we can provide a better service to all applicants.

How is my loan repayed?

We will debit the payment from the debit card you registered when applying on the date of your pay day for the agreed amount, you don't have to do anything else, just make sure you get the correct pay date when applying..

Am I allowed to delay my repayment?

We understand you may have an unforseen situation which means you are not able to repay your payday loan back on your next pay date. You will have to repay the charges then we allow you a further month to repay the amount you borrowed, if you feel you may need to defer paying it back please contact customer service on 0871 550 0076 and we will take each case and help.

How do I find out if I will qualify for a payday loan?

To qualify for our payday loan you need to have the following below:

Be over 18 years old at least.
Be in full time employment as well.
Take home pay is no less then £750.
You have a UK bank account and a valid UK debit card.

My UK debit card, pay date or bank account info have changed since I took out your payday loan.

If the date you get paid has changed, or you have a new debit card from your bank, then simply contact the customer service team by calling the number 0871 550 0076 as soon as you can and they will make the changes to your file for you!

What if I then have trouble with paying it back?

We always understand that people's circumstances can change on a daily basis. If this is the case with you, if you let us know please and we will do our best to help solve the problem.

What's the advantage of getting a payday loan.

You can apply in just 5 minutes
No faxing is ever required.
Money is transferred the very same day.
No credit check is ever needed.
Instant fast decision online too.

What time do you open from and to?

You can apply online 24 hours a day 7 days a week for a payday loan.

The customer service dept is open from 9am to 6.30pm Monday to Friday and from 10am to 4pm on a Saturday.

How can I contact you?

You can contact the MEM Finance customer service team via the following methods: Call: 0871 550 0073
Email On: customer.services@paydaynow.co.uk
Post:
Payday Now!
PO Box 255
Bicester
Oxfordshire
OX26 4ZY

I am not satisfied with the service I have received what can I do, what are my options?

If you feel disatissfied please contact us with your complaint and we will help, you can contact us on the above details during office hours, we will respond quickly.

Based in the UK MEM Consumer Finance Ltd always strive to do everything they can to make sure their customers get the best customer service experience. If you're not entirely happy with the service we provide you during any part of your application process or aftercare then we'd like to hear from you so we can help rectify this and make your experience a more happy one.

Borrow £80 upto £750

No credit check is done

Cash is sent same day

No forms to fax or post

Takes 2 minutes to apply