Simple Payday can offer a solution to sudden weekend emergencies or unexpected holes in our finances like late charges. If you do the maths it could be much cheaper on your pocket.

You can get access to cash today and have the convenience of the cash being wired directly to your account.

This service makes ridiculous bank charges a thing we no-longer have to endure. It takes minutes to complete an online application and a decision delivered while you wait.

We believe that credit should be available to all sensible borrowers. If a person fulfils the criteria and is fully able to repay the loan, then the service we offer will always be a cushion to fall on in an otherwise closed financial world. More often than not it is the weekends that tend to stretch our finances to breaking point. We work during the week and watch the pennies, but as soon as the weekend descends on us catastrophe seems to hit! Our expenses over-run, there is no-one to turn to and everything’s up in the air! Conditions apply that you should be over 18 to apply for a loan, employed, with an income of over £500p/m, be a UK resident and have an email/phone number. Straight-forward sense from the UK’s preferred online loan provider. Here at Simple Payday it couldn’t be easier to get financing over the weekend. The online application form makes a cash loan of any amount between £100 and £1000 fast and easy to be approved for. The application takes minutes and the money is then deposited on the same day**, how fast and easy is that? Crisis loans available 24 hours a day. We never close and are open for business everyday – all day. Because our loan application is automated we search our panel of lenders within minutes for the best loan available. The loan is then deposited the same-day (if your bank has faster payments, which almost every bank does now) at no extra cost to you.

We never close and are open for business everyday – all day. Because our loan application is automated we search our panel of lenders within minutes for the best loan available. The loan is then deposited the same-day (if your bank has faster payments, which almost every bank does now) at no extra cost to you. Simple Payday a easy solution to unforeseen cash problems. Our loans are a perfect solution when bills arrive at inconvenient times of the month, perhaps just near the end of the month when your pay cheque can stretch no more. The beauty of our Saturday and Sunday loan service is its speed and how quick the cash is there for you to use. No hassle and no stress is necessary, the loan is transferred straight into your personal bank account. Fast answers, don’t wait The whole concept behind them is that they are a fast cash answer to immediate financial problems, and therefore it makes complete sense that the person in need of the loan doesn’t need to fax any documents. Normal loan companies will often ask for the customer to fax in details of their employment and proof of their pay. This is usually in the form of bank statements or employer documents. As obviously you need the money now, and you most probably haven’t got a fax machine or are able to dig around for bank statements the lenders on our panel will more likely call or email to confirm any loan details with you. People use payday loans as they cannot wait days or even weeks for the cash. It is often for emergencies and in that situation ideal. We offer the service because we know it’s what you need. Everything about short-term credit is designed around the customer, for example we don’t require you pay a fee in order for the cash to be deposited on the same day, this is another trick providers use, we don’t.

Interest on weekend loan applications



The interest on loans at weekends are charged at the same interest rates as all other days. You will not be charged more interest because it is a weekend!

The interest charged on the loan can vary from one payday lender to another. This rate of interest is often referred to as the Annual Percentage Rate (APR); the higher the rate, the higher the cost of the loan.

Because a short-term loan is only borrowed for a short time period the loan interest isn’t clearly reflected in the Annual Percentage Rate. For this reason the loan when presented to you will be presented in a fixed charge or interest for your loan. Usually repayable within one or two payments and not spread throughout the year.

Choosing the right option

The first thing you should look at is the interest charged by your prospective lender. The interest is normally defined in figures known as the Annual Percentage Rate (APR); the higher the APR rate, the higher the cost of the loan. This APR rate can vary from lender to another. Therefore, make sure to do a wide enough search and do a cost comparison in terms of the APR rates provided by the different websites you are visiting.

In addition to that, there are some fees and charges which are included as a part of the loan application process. These fees can either be charged at the onset of the application or at the end of the application.

Get approved in minutes

Once you apply for the loan, the processing and approval will normally be completed in a matter of minutes and the funds will often be ready to be sent on the same day. The money will be transferred directly into your bank account once ready.

Our loans are the best solution for any short term unexpected monetary concerns. But, as a borrower it is your responsibility to borrow wisely and make sure that you are able to make your repayments on time so as to manage the cost of the loan.

Why use them?

There are some instances when consumers are faced with a financial emergency. This situation may prompt them to seek a payday loan because their credit cards have reached the maximum limit or the have a poor credit history. A lot of people who need money are reluctant to ask relatives and friends for a small loan due to embarrassment or not wanting to disclose private financial matters. People who need money quickly and see no other options can go online or travel to a brick-and-mortar lender.

It is relatively easy to qualify in the United Kingdom. Most lenders request that applicants are a UK citizen, have a steady income source, make at least £1,000-£1,200 per month and have a valid cheque book account. All lenders will ask applicants to disclose certain information that may include the applicant’s legal name, physical address, job details, e-mail address, references and contact telephone numbers. Most of the time, the lender can verify all of this information by using electronic databases. This shortens the approval time to less than one hour. Depending on the lender’s resources, they can provide borrowers with money the same day the application is approved.

Turning to online lenders

There are many reasons that consumers are turning to these services to meet their short-term financial needs. Most lenders do not perform credit reviews and online companies eliminate the need for filling out tedious paperwork. Those who apply online can do so from home, work or the library. In addition, online companies provide secure connections to keep applications private. Both lenders make repaying the loan an easy task by allowing the borrower to authorise an automatic bank draft 14-30 days after the loan origination date. Customers also have the option of paying off the loan earlier and in some cases, they can extend the repayment date for an extra fee.

People who seek fast finance come from all “walks of life.” They need this money to take care of bills, emergencies, car repairs, insurance, groceries and a multitude of other reasons. Surprisingly, the industry’s largest customer base is those who earn £25,000-£50,000 per year as well as members of the military and their immediate family members.

Professional advice

Financial advisors recommend that the public should only use short term loans to take care of small, temporary problems, especially people with a pile of debt on their hands. Debt specialists are a better choice for those who need an answer for large, long-term financial problems. In virtually all cases, whether used at the weekend or otherwise, they should be used by people who do not have big outstanding debts and who can repay their loan at the agreed-upon time.