Fancy A PayDay Reviews, Loan Calculator and Complaints

(2 customer reviews)

Average Customer Rating

Is this you?

Acceptance Criteria

You need to provide: proof of ID, proof of residency and cheque details
You don't need to have a perfect credit history
You must be 21 years of age or older to apply

You must be in permanent employment, either part-time, full-time or self-employed
You must earn at least £900 a month and have it paid into your bank account
You must have a bank account

Loan Details

Representative APR

2964%

Loan Amount

£100 - £500

Repayment Period

Minimum Term 3 days

New customers up to £150 - 33 days

Existing customers up to £500 - 33 days

Repayment Method

Deducted from your debit card

Cheque

Cheque guarantees

Speed To Payout

Same-day - apply before 2pm funds in your account today (£25 charge)

48 working hours if you do not wish to pay the extra charge

Arrangement Fee

£25.00

Payment Holidays

If you are going to struggle making your payment, you can extend your loan for another month.

You will need to make a minimum payment of the interest accrued, plus a £25 extension fee

Payout Method

Transferred into your bank account

Income Protection Available

No

Average Customer Review

(2 customer reviews)

Loanfinder Ranking

302nd for APR of 423 loans in the UK (See Lender League Table By APR)
111th for Customer Satisfaction (See Customer Reviews)

Other Total Home Loans Direct Ltd loans

THL Direct

Average Review

Representative 2964%APR

About Fancy A PayDay

Fancy A Payday offer loans between £80 and £500 which you pay back on your next payday. If you're a new customer, you can borrow up to £250, if you've had a loan with them in the past they can lend up to £500.

You can apply online with Fancy A Payday. Once you complete the online application, it will be sent to a representative who will review your details and contact you with a decision. Once they have made a final decision, you will need to agree to the terms and conditions of the loan agreement. If your application is complete before 2pm, the money will be in your account on the same day. Fancy A Payday will perform a credit check on you and may need to send documents in to prove that you can afford the loan.

Fancy A Payday's charge for credit works out at £30 per £100 borrowed per month. One of the more expensive options available. Their website where you apply is not SSL secured so your details are not going to be as secure as other lenders' websites may be. Be prepared to fax documents such as bank statements over if needs be. They do offer loan extensions if you are struggling to make repayments. Realistically you can get a cheaper payday loan of other lenders who don't charge as much APR or add the "quick service" charge, many do same day payout for free. One helpful thing about this lender is if you want to extend your loan until your next payday, all you need to do is fill out the online form.