Search for a loan from £50 – £1000 with Pirate Payday

Our online process means there's no paperwork, no faxing and no phone calls***. Pirate Payday is one of the biggest loan brokers in the UK, so you only need to apply in one place and we will try and find a loan for you. We have one of the highest acceptance rates in the business, so for any unforeseen expense, we should have you covered!


All credit types considered

Taking out a payday loan is a big decision to make, especially if you already have existing debts or a low income. So it’s really important that you choose a loan wisely. However, choosing a payday loan can also be a minefield if you suffer from a poor credit record.

Before applying for a short term or payday loan, you need to ask yourself whether borrowing money is the right thing for you. If you can cut down on your spending or put off buying something until you’ve saved for it, do that. If you are borrowing money to make repayments on other loans and debts, you may be in a vicious circle and it might not be the best thing to do.

If you think you need help with your debts, you can contact the Step Change Debt Charity service at www.stepchange.org


Implications of Non-Payment

If you fail to pay back the required amount then you may be charged additional interest and/or late fees. All of our loan providers adhere to and follow all applicable collection laws and guidance as issued by the FCA.

If you miss a loan payment it is likely that you will be expected to pay a late fee and potential other charges. It is also possible that you will be required to pay further interest on the amount already owed. This is further interest on the entire loan amount owed to that point, in addition to the original loan amount you borrowed.

The actual consequences will vary and depend on the specific loan provider who provides your loan. The loan provider may initiate collection procedures and your credit score may be adversely affected if your payment obligations are not met. Your debt may be placed with a collections agency who may take any collections actions allowed by law.


Collections Process

Pirate Payday is a loan broker not a direct lender. We never charge you for the service we provide or take money from your account.

Many of the loan providers on our loans panel will utilise the Continuous Payment Authority to continue to attempt payment from your card consistent with the powers in the credit agreement.

Some of the loan providers on our panel do charge an up-front fee for the service they provide. We always try the non-fee charging loan providers first, and you will have the opportunity of declining any loan offer provided.


Renewal Policy

Pirate Payday is a loan broker and as such the renewal policy will be dependent on the lender who provides the loan. If you wish to renew your loan, you should contact your lender in advance. Most lenders will charge the same rate of interest and fees for another month on the entire amount owed. Please see the details above regarding the implications of missed payments, which could affect your credit score. All of the above varies between lenders. Please ensure you read and understand the full terms and conditions of the loan provider before agreeing to the loan offered.