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    Loan application process
    Next pay date must be within 60 days

    Representative 49.9% APR. Example: Amount of credit: £1,200 for 18 months at £90.46 per month. Total amount repayable of £1,628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative. Rates from 45.3% APR to 1721% APR - we provide a no obligation quote, your APR will be based on your personal circumstances. The minimum repayment period for any loan will be 90 days from the date the loan is issued. The maximum repayment period is 3 years.

    Loan Criteria

    • 18 years or older
    • Have a valid UK bank account
    • Regular monthly income at least £600
    • Have a valid email address

    Why us?

    • Apply for Payday Loans online between £50 to £5,000
    • Loan term from 1 to 18+ months
    • No application fee
    • Simple, flexible and straight forward
    • Available to good or bad credit customers

    Affordable & Responsible Lending

    • Smart & Affordable finance between £50 to £5,000 from Direct Payday Lenders
    • We are equipped with up date, advanced technology in order to help us gain an insight into your financial situation
    • We can advise on which loan and term is the most suitable
    • Realistic and affordable repayment options available
    • Bad Credit applications can be facilitated here.

    Clear, Honest & Fair

    We have been helping people for over 9 years. We do not hide any of our charges. Apply to Direct Payday Lenders and brokers with no broker fees, no fax. An explanation if given to you by many direct lenders to show of every detail of your loan, so that you are comfortable in repaying your loan back.

    Payday Lenders vs. High Street Lenders

    We found that high street lenders or banks, are not for everyone. They may not offer loans that suit your financial situation or credit score for the short term needed. This is where WageMe steps in, to help you in get out of any difficulties you may face.

    Representative Example

    Representative 49.9% APR. Example: Amount of credit: £1,200 for 18 months at £90.46 per month. Total amount repayable of £1,628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative. Rates from 45.3% APR to 1721% APR - we provide a no obligation quote, your APR will be based on your personal circumstances. The minimum repayment period for any loan will be 90 days from the date the loan is issued. The maximum repayment period is 3 years.

    Responsible Borrowing

    You should only apply for the loan amount you can afford to repay. Every loan should come with a loan and a SECCI agreement, this should be read carefully before accepting the terms and conditions of the loan.

    Maximum / Minimum Terms Of Repayment And Maximum APR

    Loans facilitated through Wageme.com have minimum and maximum repayment terms. Minimum terms from 90 days (equivalent to 3 months) and a maximum repayment term of 3 years (36 months). Wageme's typical repayment term is 90 days. Rates for lending varies from 49.9% to a maximum of 1721% APR. If your loan is facilitated by another lender in real-time, their lending rates will differ as different lenders have different rates. The interest rate you offered will depend on your personal finance history including credit history.

    Implications of Non-Payment

    It is always recommended to repaying your loan on time to avoid fees and negative impact on credit records. However, if you are unable to repay on time, every lender will have their collection process and policies of fees and interests that may be charged if repayments are made later than agreed. Lenders will contact via email, SMS, Letter and telephone. Lenders will address the concern and help you with an affordable payment plan based on your current affordability. We strongly advise you to contact your Lender as soon you realize this could be the case.

    Collections Process

    Every lender has its own collection process. As soon as you find out that you will have difficulties repaying your loan back, contact your lender as soon as possible, they will then discuss alternative payment arrangements and payment plans. If the case remains unsolved, the lender may pass your debt on to an external debt collection agency.

    Late Payment

    You must always stay organised with loan repayments and try to pay them on time, this is on or before the due date if possible. However, if you are unable to do so, contact your lender as soon as possible to arrange an alternative plan to help you. Lenders have their own policies in respect of fees and rate of interest. Late payment fees can range from £1 to £100. Further charges may be addressed if you fail to adhere to their terms and condition as per the contract. Please refer to your loan agreement or SECCI agreement for more information on late payment charges or contact your lender directly.

    Renewal Policy

    Loan renewals (rollovers) are not the right way to solve your debt. We do not support the renewal of loans. If you do not feel the loan is right for you, in terms of loan use or affordability, we strongly suggest you do not take out the loan. It is always best to seek financial advice which can be found in our FAQ's - Debt Advice. Please seek the terms and conditions of your loan agreement to find more information about your lender’s processes and policies regarding non-payment.

    Short-term Loans can begin from as little as £50 right up to £5,000. Short-term loans can be for a period from 6 up to 35 days and installment loans are between 1 to 12 months. They are designed for customers with emergency needs. Short-term loans are used to help you get through to your next pay date, and are due in full on the pay date and repaid automatically by way of direct debit.

    Direct Instalment Loans

    We have been helping people for over 8 years. We are a credit broker too which can help you get connected to direct lenders trading in the UK. Direct short-term loans are regulated by the FCA and we have our full FCA license.

    At Wageme.com, you can apply without any hassle over in store or over the phone. This will help in case of family emergencies or just unforseen circumstances, such as the Washing machine breaking down or just the the car giving you bother again. Direct lenders will determine, by way of a credit check, if you a

    These loans are required for those who are in need of an cash advance for a short-term period. Emergency cash loans are here and provided by us to ensure consumers who are in need of emergency cash, gets the cash loan they need to come out of any urgent situations they may be in.

    Reasons for choosing WageMe

    Applications for online credit are done online, and can be completed in within minutes. When short-term loan applications are accepted, money can be in their account on the same day that the loan has been approved that is if your bank accepts faster payments and at lenders discretion.

    Direct Payday Loan Lenders

    Our short-term loans lenders will help family emergencies or just unforseen circumstances, such as Washing machine break downs or just car repairs.

    Representative 49.9% APR. Example: Amount of credit: £1,200 for 18 months at £90.46 per month. Total amount repayable of £1,628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative. Rates from 45.3% APR to 1721% APR - we provide a no obligation quote, your APR will be based on your personal circumstances. The minimum repayment period for any loan will be 90 days from the date the loan is issued. The maximum repayment period is 3 years.