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*There is no guarantee that you will be accepted by a direct lender or that you will be offered terms suitable for your needs.

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You must be a UK citizen and be over 18

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  • PaydayIOM® works fast to provide approved applicants with their requested loan amount. We want our approved applicants to get the instant financial help they deserve. If you are wondering whether or not you qualify for a short term loan, simply fill out the application and wait for our quick response.
  • Many consumers look for instant approval and search best payday loan instant payout because they are eager to pursue the goal at hand. If you are qualified for the loan, you will receive the requested amount transferred into your bank account in a short amount of time. We will waste no time getting you the finances you need if you are approved.

To give a better idea of how our interest works, for every £100 is borrowed, 8% interest is charged. Early repayment saves you more money.

In our life we can face such un-looked for scenarios when extra some of money is needed. No one can know for sure when such things can disturb us, the only well-known fact is that it puts us a lot of trouble. The only thought in our heads is” Where from to take the money?”  Luckily, we know the answer to your question. At we help people to solve financial woes.

£2,500 has never been an odd bale in situations when you need to pay for health maintenance, auto service, unlooked for trips and renovation of your house.

The short term loans offered at PaydayIOM® is a great solution for unexpected expenditures, such as auto service, healthcare and so on.


Q. When will I be given money?

Many creditors send money on the same business day, but your bank will take a few business days to process the amount.

Q. Is there a limit on the number of loans I can borrow?

No. You can supply your creditor with all the data about your existing loans.

Q. Are there any regulations on lenders?

Yes, there are. Lenders are regulated by the Financial Conduct Authority.

Q. What is responsible lending?

Responsible lending means that the lender will lend to borrowers who have the financial ability to pay back their requested amount.

Q. What is different about your service?

We deal only with direct lenders who are ready to lend you your requested amount of money (should you be approved). All our actions are regulated in accordance with the Financial Conduct Authority. We’ve organised the process in such a way that we can keep watch over the actions of our lenders, so that no personal information will be shared without the client’s permission.

Q. How do we order our results?

It depends on how much they cost. The driblet is usually shown first. If there are sums of money of the same size, the first to come at random is chosen.

Q. How do we make money?

We make a small commission each time a client is introduced to the appropriate lender for his or her loan.

Q. Is it real to get small payday loans for self employed / unemployed?

It’s possible. You are to fill in the application form.

Distinguishing short term loan

This sort of a loan is referred to when a person needs urgent money, and the sum is to be paid back within a short time span. It can be done within a single paying back or divided into several installments.

Distinguishing Installment Loan

Comparing this sort of lending with the previous one, a borrower can reckon upon larger sums of money from £400 to £2000. Given credit is to be paid back within 3-18 months depending on borrowing.

Q. Is it achievable to get the money through my joint / savings / any other account?

It can be done only via your account with institution to which the debit card you provide is registered.

Q. Should I resort to payday loans?

You should think through before resorting to the service. You can rely on us if you:

  • Cannot solve your financial issue by other ways
  • Cannot boast about your credit history
  • It is of great importance to get the money

Please notePayday Loans are not considered to be a cheap way of getting rid of financial burden. Study carefully about interest rates, and if you are ready and can it pay back in future, use the service.

Q. How does it work?

The amount of money which can be borrowed ranges from £100 to £2,500 and to be paid back within several months or all at once, depending on the lender and the amount of money you want to borrow.

In some cases, an additional month may be given (with the slight increase of your interest rates as well).

Q. What about getting cheapest loan?

You should consider the following:

  • Sum of money you wish to borrow
  • How fast you can pay it off

This is a loan that you can quickly pay off according to your ability.

Q. What if I fail to pay it back?

You have to discuss this matter with your lender. You will probably be offered a repayment plan.

Q. How will I know that I’ve been approved?

If you submitted all the required information and it is correct, then it won’t take too long to find out your status — from a couple of minutes to a couple of hours. Not weeks or months. In the case of having questions concerning your application, it can be a little bit longer.

Q. Is it possible to avoid credit checks?

No, it is unavoidable.

Q. What if I’ve been rejected?

You can verify these details with your lender. It might have been because of your poor credit history.

Q. Is it achievable to take a loan with a poor credit history / for really bad credit?

It is possible, but much more difficult in comparison with good credit histories.

Why should you choose PaydayIOM®?

  • You don’t have to travel far to get the loans you need. With us, the entire process is online.
  • Our primary goal is to match you with a lender who can offer you the money you need.
  • Loans are not guaranteed for those who have bad credit history or are unemployed, but you can still fill in the request form. We will try to do our best to find a good solution for you.
  • On average, it takes anywhere from 30 seconds to 5 minutes to a get lender’s answer, so you won’t be kept waiting for long. Same day loans this is quite realistic.

Want to borrow money?

Those who choose us benefit due to the following facts:

  • Reasonable prices;
  • Fair treatment of our clients;
  • Direct lenders.
  • Besides there is no need to resort to local lenders or High street lenders, because you can do it here, with us. The entire process is Online, no extra paper work.

What can you anticipate from dealing with us?

  • Lending amount:  from £100 to £2,500 is to be paid off within 3-18 months, depending on the sum of money that you wish to borrow.
  • Lenders: we are dealing with proven, officially recognized lenders.
  • Interest rates: no hidden costs, the cheapest interest rates that you might have found while surfing the Internet.
  • The simplicity of the process:  all what is needed from you is to fill in the request form and our lender will be matched with you.
  • Approval: Of course, it cannot be guaranteed that 100% of applicants will get approval, but in majority of cases the site Users receive positive reply.
  • Easiness of access: We are ready to help you 24 a day, working through the holidays.
  • Free credit broker: both broker’s commission and application is free.
  • Everyone can find a kind of lending that he or she is looking for: unsecured, personal loans; borrowing for applicants with bad credit history and so on.
  • Well-developed customer service: if you are hesitant about this or that thing you can get free consultation. We are ready to clear up all the moments that worry you.

Lots of UK residents rely on us from year to year

Comparing this sort of lending with a traditional banking system, the 1st one has got more pros: you will know the decision on your request within 5 minutes; the money can be transferred on you banking account the next business day. Persons with poor credit score can also try their fortune and take a loan.

Who can resort to us? Everybody who needs money!

You can be:

  • a single parent;
  • an applicant on benefits;
  • pensioner;
  • immigrant.

For what occasions short-term loan can be used?

Basically, there are no restrictive guidelines when you fall back upon this sort of lending. There are can be lots of scenarios when people can be financially challenges. The traditional reasons for doing it can be illustrated by the following situations when:

  • You lack cash on hand for auto service;
  • Unlooked for bills;
  • Unplanned trips;
  • Paying off the existing debt;
  • Special occasions in your life, for example, wedding;
  • Holidays;
  • Renovation.

So, you are welcome to!

Besides, we do not require any guarantee: collateral/guarantee or security. No need to put in pawn your house, car and so on.