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Our Responsible Lending Information

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All of our payday lenders must have a responsible lending policy to protect customers. Some are members of various bodies such as the Consumer Finance Association or the BCCA which means they have signed up to a Code of Practice for short term lending.

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We have listed some of the items below that are extracts from these codes of practice. Please ensure you read and review the responsible lending codes of practice of the lender that accepts you for a payday loan. Read and review all terms & conditions documents and privacy policy and terms of use documents. These are there to protect you the consumer and layout the contract and conditions of the web site. Understand that payday day loans are by their very nature short term loans generally taken over the period of 31 days or less.

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    ਍㰀氀椀㸀䤀昀 礀漀甀 栀愀瘀攀 琀漀 琀愀欀攀 漀甀琀 洀漀爀攀 琀栀愀渀 昀漀甀爀 瀀愀礀搀愀礀 氀漀愀渀猀 愀 礀攀愀爀 琀漀 戀爀椀搀最攀 愀 最愀瀀 椀渀 礀漀甀爀 昀椀渀愀渀挀攀猀 琀栀攀渀 椀琀 椀猀 爀攀挀漀洀洀攀渀搀 琀栀愀琀 礀漀甀 猀攀攀欀 猀漀洀攀 戀甀搀最攀琀椀渀最 漀爀 搀攀戀琀 愀搀瘀椀挀攀⸀㰀⼀氀椀㸀ഀഀ
  1. Payday loans are not recommended for items such as holidays or ‘leisure’. They are intended to help you bridge a gap in your finances to get to payday when you have had an unexpected bill such as car repair or you need to replace an essential household appliance.
    2. ਍㰀氀椀㸀䔀渀猀甀爀攀 琀栀愀琀 礀漀甀 栀愀瘀攀 爀攀瘀椀攀眀攀搀 愀渀搀 甀渀搀攀爀猀琀愀渀搀 琀栀攀 䄀倀刀 愀渀搀 䄀倀刀 攀砀愀洀瀀氀攀 漀昀 琀栀攀 氀攀渀搀攀爀 琀栀愀琀 椀猀 漀昀昀攀爀椀渀最 琀漀 愀挀挀攀瀀琀 礀漀甀 昀漀爀 愀 氀漀愀渀⸀㰀⼀氀椀㸀ഀഀ
  2. Ensure that you can pay back the loan when it comes to payday. Do not borrow more than you can afford to pay back.
    3. ਍㰀氀椀㸀䤀昀 礀漀甀 琀栀椀渀欀 礀漀甀 愀爀攀 最漀椀渀最 琀漀 栀愀瘀攀 愀渀礀 瀀爀漀戀氀攀洀猀 眀椀琀栀 瀀愀礀椀渀最 戀愀挀欀 礀漀甀爀 氀漀愀渀 瀀氀攀愀猀攀 挀漀渀琀愀挀琀 礀漀甀爀 氀攀渀搀攀爀 搀椀爀攀挀琀氀礀 愀猀 猀漀漀渀 愀猀 瀀漀猀猀椀戀氀攀 愀渀搀 琀栀攀礀 眀椀氀氀 眀漀爀欀 眀椀琀栀 礀漀甀 琀漀 最攀琀 愀 爀攀猀漀氀甀琀椀漀渀 琀栀愀琀 眀椀氀氀 眀漀爀欀 昀漀爀 礀漀甀⸀㰀⼀氀椀㸀ഀഀ
  3. Ensure the payday loan site that you use has SSL technology to ensure that the details that you put in the application stay secure and private.
    4. ਍㰀氀椀㸀䔀渀猀甀爀攀 琀栀攀 瀀愀礀搀愀礀 氀漀愀渀 猀椀琀攀 琀栀愀琀 礀漀甀 甀猀攀 搀椀猀瀀氀愀礀猀 愀 䌀漀渀猀甀洀攀爀 䌀爀攀搀椀琀 䰀椀挀攀渀挀攀 ⠀䌀䌀䰀⤀ 愀渀搀 琀栀愀琀 琀栀攀 挀漀洀瀀愀渀礀 椀猀 爀攀最椀猀琀攀爀攀搀 眀椀琀栀 䐀愀琀愀 倀爀漀琀攀挀琀椀漀渀⸀ 㰀⼀氀椀㸀ഀഀ
  4. Many lenders will not allow consumers to borrow more than 30% of their net income each month so if you make an application and you are not accepted try for a lesser amount if it covers the amount you need.
    5. ਍㰀⼀漀氀㸀ഀഀ ਍㰀栀㈀㸀圀栀愀琀 眀攀 愀渀搀 漀甀爀 瀀愀礀搀愀礀 氀漀愀渀 ⼀ 猀栀漀爀琀ⴀ琀攀爀洀 氀攀渀搀攀爀猀 搀漀渀✀琀 搀漀㨀㰀⼀栀㈀㸀ഀഀ
      ਍㰀氀椀㸀吀愀爀最攀琀 瀀攀漀瀀氀攀 眀椀琀栀 搀攀戀琀 瀀爀漀戀氀攀洀猀㰀⼀氀椀㸀ഀഀ
    • Lend to people who they believe cannot afford to repay
      • ਍㰀氀椀㸀䐀攀愀氀 眀椀琀栀 挀甀猀琀漀洀攀爀猀 椀昀 琀栀攀爀攀 椀猀 愀渀礀 焀甀攀猀琀椀漀渀 愀戀漀甀琀 琀栀攀椀爀 椀搀攀渀琀椀琀礀 漀爀 愀甀琀栀攀渀琀椀挀椀琀礀㰀⼀氀椀㸀ഀഀ
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    Implications of late or non-payment:

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  5. Don't borrow money you don't think you can pay back
    6. ਍㰀氀椀㸀吀愀氀欀 琀漀 礀漀甀爀 氀攀渀搀攀爀 愀渀搀 琀栀攀礀 眀椀氀氀 栀攀氀瀀 愀猀 洀甀挀栀 愀猀 瀀漀猀猀椀戀氀攀㰀⼀氀椀㸀ഀഀ
  6. Please be aware that non repayment by you will result in your lender reporting this to the Credit Reference Agencies which may have a negative effect on your credit score. If you are having problems making a payment please contact your lender using the contact details on the 'contact us' pages of their website. If you need help locating these contact details please email help@paydayhappy.co.uk and we will provide the details for you. Your lender will be happy to discuss payment options with you.
    7. ਍㰀氀椀㸀匀漀洀攀 戀甀琀 渀漀琀 愀氀氀 漀昀 琀栀攀 氀攀渀搀攀爀猀 椀渀 漀甀爀 氀攀渀搀椀渀最 瀀愀渀攀氀 洀愀礀 挀栀愀爀最攀 愀 氀愀琀攀⼀洀椀猀猀攀搀 瀀愀礀洀攀渀琀 昀攀攀猀 漀昀 甀瀀 琀漀 ☀瀀漀甀渀搀㬀㈀　⸀㰀⼀氀椀㸀ഀഀ
  7. Each lender has its own specific policy in regard to late and non-payment which can be found on their website.
    8. ਍㰀⼀甀氀㸀ഀഀ ਍㰀瀀㸀夀漀甀 挀愀渀 昀椀渀搀 洀漀爀攀 挀漀搀攀 漀昀 瀀爀愀挀琀椀挀攀 椀渀昀漀爀洀愀琀椀漀渀 昀漀爀 琀栀攀 䌀䘀䄀 栀攀爀攀 ⴀ 㰀愀 栀爀攀昀㴀∀栀琀琀瀀㨀⼀⼀眀眀眀⸀挀昀愀ⴀ甀欀⸀挀漀⸀甀欀⼀挀漀搀攀漀昀瀀爀愀挀琀椀挀攀⸀愀猀瀀∀ 琀愀爀最攀琀㴀∀开戀氀愀渀欀∀㸀䌀䘀䄀 䌀漀搀攀 漀昀 倀爀愀挀琀椀挀攀㰀⼀愀㸀㰀⼀瀀㸀ഀഀ ਍㰀瀀㸀夀漀甀 挀愀渀 昀椀渀搀 漀甀琀 愀戀漀甀琀 琀栀攀 䈀䌀䌀䄀 挀漀搀攀 漀昀 瀀爀愀挀琀椀挀攀 昀漀爀 猀栀漀爀琀 琀攀爀洀 氀攀渀搀攀爀猀 栀攀爀攀 ⴀ 㰀愀 栀爀攀昀㴀∀栀琀琀瀀㨀⼀⼀眀眀眀⸀戀挀挀愀⸀挀漀⸀甀欀⼀唀瀀氀漀愀搀猀⼀䌀漀渀猀甀洀攀爀─㈀　䌀漀搀攀─㈀　漀昀─㈀　倀爀愀挀琀椀挀攀─㈀　─㈀㠀嘀㈀─㈀㤀⸀瀀搀昀∀ 琀愀爀最攀琀㴀∀开戀氀愀渀欀∀㸀䈀䌀䌀䄀 䌀漀搀攀 漀昀 倀爀愀挀琀椀挀攀㰀⼀愀㸀㰀⼀瀀㸀ഀഀ ਍㰀瀀㸀圀攀 眀愀渀琀 琀漀 攀渀猀甀爀攀 琀栀愀琀 礀漀甀 昀甀氀氀礀 甀渀搀攀爀猀琀愀渀搀 愀氀氀 琀栀攀 挀漀渀搀椀琀椀漀渀猀 愀渀搀 氀椀洀椀琀愀琀椀漀渀猀⸀ 䤀昀 礀漀甀 栀愀瘀攀 愀渀礀 焀甀攀猀琀椀漀渀猀 礀漀甀 挀愀渀 攀洀愀椀氀 甀猀 愀琀 㰀愀 栀爀攀昀㴀∀洀愀椀氀琀漀㨀栀攀氀瀀䀀瀀愀礀搀愀礀栀愀瀀瀀礀⸀挀漀⸀甀欀∀㸀栀攀氀瀀䀀瀀愀礀搀愀礀栀愀瀀瀀礀⸀挀漀⸀甀欀㰀⼀愀㸀 愀渀搀 眀攀 眀椀氀氀 戀攀 栀愀瀀瀀礀 琀漀 栀攀氀瀀 愀渀猀眀攀爀 愀渀礀 昀甀爀琀栀攀爀 焀甀攀猀琀椀漀渀猀 礀漀甀 洀愀礀 栀愀瘀攀⸀㰀⼀瀀㸀ഀഀ ਍ഀഀ