Representative 452% APR
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Total to Pay-back    + Interest £

Payday Loans Direct Lender

To help you in understanding the APR of 452% 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 online payday loan will cost you.

Representative example: Borrow £200 for 28 days. The total charge for credit is £28. Interest is fixed at a rate of £28 per £200 loan (182.5% per annum). The total repayable is £228. 452% APR Representative.

YouTube Video | Tide U Over - Direct UK Payday Loan lender

Responsible Lending

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


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. It is there to enable consumers to compare credit products and other payday lenders.


Payday Loans Online

If you've been hit by an unexpected bill or other expense that you can't put off, payday loan lenders could help you bridge the gap. We offer instant payday loans online to help you access the money you need when you need it. However, it's important both you and we are confident you can afford to repay the borrowed money in full and on time. After all, we want to help you sort out your finances, not make things worse.

How does it work?

As one of the cheapest direct payday lenders, we can offer competitive rates on cheap payday loans to help you going until your next payday. Using our advanced technology, we can have the agreed funds in your account the same day you apply (as long as you apply before 5pm, otherwise, we will endeavour to have the money to you as early as possible on the next working day).

Please note: To be able to borrow from us, you must be a UK citizen in permanent employment with an active UK bank account and valid debit card. There are no fees for applying, quick approval and no early repayment fee

How much can I borrow?

We offer direct payday loans from £100 to £500 for up to 31 days, although, as a responsible lender, we cap first time borrowers at £400. This is to help ensure we aren't lending too much money to people until we are confident they can manage their borrowing comfortably. We can also sometimes offer larger amounts over longer periods to existing customers.

How long does it take?

The application process is easy, hassle free, quick and simple which should only take around 5 minutes for you to complete. We then carry out strict affordability checks before making a decision to be sure we aren't lending you more than you can realistically repay. Thanks to the advanced technology we use, we can do all this quickly and efficiently to give you the instant decision you need.

What checks will you run?

To make sure we are lending responsibly, we must check that you are who you say you are before we can transfer any money to you. We use a sophisticated credit checking system so we can be confident you can afford to repay the amount we loan you in the agreed period of time.

To guard against fraud and money laundering, we rely on external credit reference (Teletrack, Call Credit etc) and fraud prevention agencies. They collect publically available information which can then be compared with the details you have provided to us. This is why it is so important for you to be absolutely honest when you apply. We conduct stringent affordability and creditworthiness checks to ensure that you can afford the loan and are a responsible borrower. These include: a quick income and expenditure analysis on the application form and credit checks through Experian.

Can I trust you?

As part of our commitment to being a transparent direct lender, we promise to always be upfront about our interest rates and charges, so you won't suddenly find yourself hit with any hidden extra costs. No payday loan is guaranteed and our goal is to help our customers deal with their financial emergencies, not push them further into debt or clear out their bank accounts. It is important for you to provide us with accurate information so we can make the right lending decision for you.

For further information or advice, please feel free to email us or fill out our online contact form.

Credit Checks and Potential impact to credit score

As responsible payday lenders, we conduct a credit check prior to approving a loan, using Experian to ensure that you are a responsible borrower. We may also validate your information through credit reference agencies. If you have difficulties in repaying your loan, we may notify credit reference agencies. If you default on your payday 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 treat customers fairly and in such circumstances we 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.

Non-Payment and Financial Implications

If you fail to repay your loan, and do not contact us to set up an alternative repayment arrangement, we may charge you with default fees of £15 and notify a third party debt collection agency. However, we understand that financial circumstances can change such as, car repairs or an unexpected bill and therefore we endeavour to help our customers that may be experiencing financial difficulties.

100% Secure

All the information you provide as part of your application for a payday loan is encrypted to protect you against fraud and identity theft. Apply with 100% confidence and peace of mind with our secure, industry standard protections of your personal data.

Instant Payday Loans

As our application process is 100% online we provide instant decisions on your payday loan application. Using our custom built technology system we can validate who you say you are and perform the adequate affordability checks to see if you're eligible for instant payday loans.

If you're successfully approved for a Tide U Over payday loan, your bank account will be instantly funded.


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