FCA Disclaimer
Ukpaydayloans.co.uk is a loan broker website, not a direct lender. We do not provide loans or make credit decisions. Instead, we work with a panel of trusted, FCA-authorised lenders and brokers who may be able to offer you a loan based on the details you provide.
1. Our Role
We act as a loan enquiry and referral platform.
When you submit a loan application through our website, we securely pass your details to our panel of lenders/brokers.
Any loan agreement you enter into will be strictly between you and the lender.
2. Authorisation & Regulation
Ukpaydayloans.co.uk itself is not a lender and does not provide financial advice.
We only work with lenders and brokers who are authorised and regulated by the Financial Conduct Authority (FCA).
Each lender is responsible for ensuring their products comply with FCA rules and regulations.
3. No Guarantees
Submission of an application through our site does not guarantee loan approval.
Loan offers are subject to the lender’s own assessment of your circumstances, affordability, and creditworthiness.
Interest rates, repayment terms, and fees are determined by the lender and will be fully disclosed before you agree to a loan.
4. Credit Checks
Using our eligibility checker will not affect your credit score (soft search only).
If you choose to proceed with a lender, they may perform a hard credit check which could affect your credit file.
5. Borrow Responsibly
Short-term and payday loans are designed for emergency or short-term financial needs. They are not suitable for long-term borrowing or ongoing financial problems.
Before taking out a loan, please consider whether it is the right option for you and whether you can afford the repayments.
6. Independent Advice
If you are struggling with debt or repayments, you can access free, confidential advice from:
StepChange Debt Charity – www.stepchange.org
National Debtline – www.nationaldebtline.org
Citizens Advice – www.citizensadvice.org.uk
7. Contact Us
For questions about our services or regulatory responsibilities, please contact:
Ukpaydayloans.co.uk
Email: support@ukpaydayloans.co.uk