Apply for an Online Payday Loan

What exactly are Online Payday Loans?

Online payday loans are designed to be a short-term solution, providing an injection of cash that can help to ease a financial burden. When you take out an online payday loan with Wizzcash, the repayments are usually spread over three months. If you require a longer period to pay back your loan, an alternative product may be more appropriate. To compare Wizzcash loans see our Partner Sites.

What can my Online Payday Loan be Used for?

We don’t place any limits on what our online payday loans are used for. However, as a responsible UK lender, we actively urge our customers to only take out an online payday loan as a last resort; to cover the costs of an unexpected financial emergency. Online payday loans are not an appropriate long-term credit solution.

How Much can I Receive From my Online Payday Loan?

We are a direct lender and as such can offer payday loans UK wide up to a maximum of £1000. We set that limit to help ensure our borrowers are able to repay their loan amount successfully within the required repayment period. In addition to this, we also operate as a broker, which means that in situations where we aren’t able to operate as a direct lender, we may connect customers with UK based lenders who can. Please click here for more information on the payday loan online application process.

Who can Apply for a Wizzcash Loan?

The minimum criteria for application are:

  • The loan applicant must be over 18 years of age
  • The loan applicant must be a UK resident
  • The loan applicant must in employment earning a minimum of £750 per month (after tax).

All of our loan applicants are subject to a credit check, an identity check and affordability checks to ensure that they are able to repay the borrowed amount within the agreed-upon timescale. Click here to apply for a short-term loan today.

Who Exactly are Wizzcash?

Wizzcash are a UK lender, based in London. We have been operational since 2012. Since our inception, we have been committed to abiding by reasonable and responsible lending practices and are driven by a desire to help people. We are authorised by the Financial Conduct Authority (FCA). This authorisation process requires organisations to operate to strict standards to ensure customers are dealt with in a fair manner and in accordance with regulations. If you would like to learn more about Wizzcash, you can do so here.

What if I’m Not Eligible for a Payday Loan?

Following an application for a Wizzcash loan, if you are not eligible to borrow directly from us, you may wish to:

  • Make use of our brokerage service; through which we can connect you to a direct lender who may be able to provide you with an online payday loan, in circumstances where we cannot help you ourselves
  • Apply for a credit card
  • Take out a bank loan
  • Ask a family member to help

Representative Example

Total amount of credit : £300
Duration of the agreement: 90 days
Installment one
Installment two
Installment three
Repayment total
Interest is Fixed at rate of 292% per year - 0.8% interest per day | Representative 1265% APR

About loans and responsible lending

At Wizzcash, when we review a payday loan application, we treat it responsibly. We aim to always:

  • Treat our customers fairly
  • Be transparent
  • Only lend to people we feel will be able to repay back a loan
To help us do this, we:
  • Are approved by the Financial Conduct Authority
  • Are a payday loan direct lender and a broker
  • Display all costs and what you will pay back on our website
  • Run a number of credit and identity checks
  • Offer flexible and instalment loans

Loan companies do not always have the best reputation. We are working hard to change that by putting our customers first and investing in responsible lending.

What checks are done for loan applications?

To assess you for a loan application, we run a number of checks, including:

  • Credit score check – we always check credit scores and use this to make our decision on your loan.
  • Employment check – we only lend to people in employment.
  • Affordability stress test – we look at what you want to borrow with what you can afford to repay.
We also offer a flexible repayment plan, allowing you to pay back your loan in easy repayments rather than one lump sum.

Other forms of credit

Other forms of credit may be available to you. Sensible alternatives include:

  • Credit unions.
  • Authorised overdraft.
  • Credit card.
  • Company loan.
  • Bank of Mum and Dad – or another suitable family member.
However, if you’ve exhausted all of these, we’re pleased to offer Wizzcash as a viable, responsible alternative. Used properly, our loans are available to pay for emergency spending. is a payday loan direct lender. This means if you have a successful loan application with us we will communicate and lend directly to you. In the event that we are not able to help you, we are also a broker and we will link you to panel of consumer credit companies who might be able to offer you: loan products, with loan terms from 1 to 36 months, loan comparison websites to give you access to the comparison of loan products or credit reports companies to help you understand credit ratings and make informed credit decisions. We will never pass on your card details to any other organisation.