Welcome to Tide U over.

We are here to help you gain control of your finances and assist you when you most need it.

Loan Calculator

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  • Direct Lender

  • Instant Payout

  • No Phone Calls

Loan Offer

Borrowing:        


Interest & Fees:


Total to repay:   


Representative example: Borrow £200 for 28 days. The total charge for credit is £61. Interest is fixed at a rate of £61 per £200 loan (326% per annum). The total repayable is £261. 1734% APR Representative.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

APR Explained...

To help you in understanding the APR of 1734% we have created this short video. We want to ensure that we take away any confusion about our charges so you are clear how much your loan will cost you.

Responsible Lending

Responsible lending goes hand in hand with responsible borrowing. Our commitment to you is that we will do our best to grant money only when we believe it is reasonable to expect you to repay the money.

Why is the APR so high?

APR means Annual Percentage Rate and it describes the interest rate for a whole year (annualised), rather than just a monthly fee/rate.

Tide U Over are a direct payday lender who offer short-term loans to get you through those unexpected situations. We are one of the market leaders a trusted payday lender with very competitive rates. Whatever the emergency Tide U Over are here to help from broken washing machines to repairing the car we can offer you that much needed short term loan till your next payday and help you through that short term crisis.


At Tide U Over we use some of the most advanced tecnologies to offer our customers a short term payday loan. We are able to offer loan from £100 to £500 and if you meet the affordibility checks and are approved we can have the funds available in your account the very same day*.


Our application process is very quick and simple. The application takes around 5 minutes to complete and this can all be done without leaving your house. Tide U Over are a direct lender and take every pre-caution to protect customers so we use advanced systems so that details are secure and protected. We pride ourselves on handling short term loan applications as quickly as possible.


As Tide U Over are direct payday lender we always practise responsible lending whilst completing your application we will conduct credit checks and check the affordability of the loan requested as we want to be sure that you will be able to make repayments and not leave you short-handed and face financial difficulty.


We are an up-front direct lender with no hidden charges everything will be made clear and simple and we are here to help with those financial emergencies rather than clear out your bank account like some other lenders. All technical jargon has been removed so everyone can clearly understand that Tide U Over will deliver you best service with no confusion.


Payday Loans To Tide You Over

Sometimes, we all need a little extra cash to 'Tide You Over' until payday. Whether its for unexpected bills or for an emergency. Our fast online application form only takes 5 minutes to apply for a quick decision.

Credit Checks and Potential impact to credit score

As a responsible lender, we will conduct a full credit search should you meet our criteria. We will run your application through credit bureaus and approve your loan based on many criteria, including your credit history. If you default on your loan, we may make a reference to a credit reference agency, which could make it more difficult and expensive for you to obtain credit in the future. Interest will continue to accrue on the credit you have borrowed and you may also incur late payment fees in accordance with the terms of our credit agreement.

Collections Practices

We lend to our customers in good faith and we expect full repayment on the stated due date.


Should there be any problems in paying on time it is imperative that the customer informs us in advance. We promise to be fair to you in such circumstances and will offer you payment alternatives to help keep your credit score unaffected. We will not charge you unreasonable fees for defaulting or harass you if your account is in arrears. Our collections policy is fair and we will give you adequate time to remedy your default.

Rollover Policy information

Rollovers are not automatically granted, and we will consider your rollover request based on the information you provide and your current financial situation. We will only grant a rollover after we are satisfied that the rollover is in line with our responsible lending obligations. By rolling over your loan, you will incur additional finance charges.

Non-Payment and Financial Implications

Always make sure that you are able to repay a short term loan on the due date before taking one out as this will save you a lot of hassle and extra costs. We may also refer your loan to our Debt Collection partner. Please note that we may charge you with other reasonable costs that we have incurred as a result of you missing payments and pursuing you for the payments due under our loan agreement including our reasonable legal costs. Please also note that we might try to collect your loan automatically on a daily basis. We may try to collect your loan in parts until your debt has been fully recovered.