Edit File Ready to Apply? Complete Your Application in Minutes

Fast Approval for Payday Loans

  • Online Application
  • 24/7 Mode of Operation
  • Cash Loans up to $1,000
  • Faxless Service
Get Started
Need cash

PaydayLoans.Money.Co.Uk Review: A Sub-Domain of Money.co.uk

What is PaydayLoans.Money.Co.Uk?

money logo

PaydayLoans.Money.Co.Uk is a sub-website of money.co.uk and a trading name of Dot Zinc Limited, registered in England and regulated by the FCA (Financial Conduct Authority). This is a credit broker and a free comparison service, not a direct lender. This website allows consumers to compare various financial products using online tools and filters that help clients find what they need and make informed decisions. The company claims to be passionate about giving consumers the most useful and fresh financial information without any charges and gimmicks.

Loan typesMin.amountMax.amountPeriodAPRDocumentsBad credit
Payday loans£50£1,000Up to 30 daysUp to 1,575% APRDriver’s license number, social security numberYes

Types of Loans

PaydayLoans.Money.Co.Uk helps consumers find the best offers for payday loans – these are small sums of money which are to be repaid over a short period (up to 1 month).

payday loans

The company warns customers that applying for a payday loan should be the last resort when you have no more options left or have bad credit or desperately need the money because this loan type can be very expensive.

According to the website, all payday lenders must be regulated by the Financial Conduct Authority but in fact, not all are. They encourage consumers to check the FCA website to clarify which lenders are FCA-regulated.


Most lenders from the network transfer the funds via direct deposit the same day your loan request is approved, but in some cases, it may take up to several days to get the money.

Terms of Use

PaydayLoans.Money.Co.Uk is a broker which has commercial agreements with direct lenders and gets paid a commission if they help a lender find a client. However, borrowers do not pay any extra fees when applying.


The matching company checks all lenders from its network because some websites may not be legal and could even steal your money.

Using this website, you could get between £50 and £1,000 and repay it over 30 days in one lump sum.

To apply for a payday loan through this website, you need to be:

  • 18 years old or older;
  • work at least 16 hours per week;
  • have an active bank account.

However, you will not be able to get a loan if you:

  • are on a debt management plan;
  • have had a CCJ in the last 12 months;
  • have faced bankruptcy in the last 12 months.

Payday loans usually come with a very high interest rate which may reach 1,575%. The broker does not have knowledge of your specific APR. You will find it out when you apply but bear in mind that you will be charged more if you fail with your payment. Each lender has different fees and charges.

There are two costs you will have to pay for a payday loan:

  • Interest, which is spread over all your payments. You can save on interest if you repay your loan before the due date;
  • Payment fees that are paid when you miss a payment or make a late payment. Most lenders charge £15 for each missed payment.


The application process at PaydayLoans.Money.Co.Uk is purely online.

To start the application and get to the loan offers, you’ll need to provide some general information about yourself and your financial standing. The lender will take these details into account when determining your interest rate and whether you will be eligible for a loan. You will need to reviews loans offers and select the one which is most suitable for you.

You cannot go without the following details: full name, date of birth, phone number, address, e-mail address, SSN, employment information, details about your bank account, and some more.

Payday loans do not require collateral and are easy to obtain.


Using this website, consumers can choose the desired lending period during the application process. In general, payday loans are repaid on the day you get paid. Typically, payments are made via automatical direct debit.

You can also repay your loan early and reduce the amount of interest you will have to pay.

If you face any financial difficulties that prevent you from timely loan repayment, you can speak to your direct lender and explain your situation. Most lenders will offer you a loan renewal. If you do not contact your lender, they will try to take a payment from you by all means. If you miss a payment by an automatical direct debit, both your bank and the lender could charge you £15.

Besides, if you fail with your repayment, the lender could report your non-payment to major credit agencies, which will negatively affect your credit score and make it difficult for you to get another loan in the future.


According to the website, some lenders from the network of PaydayLoans.Money.Co.Uk could let extend your loan by extra 30 days. This will give you more time to repay your loan but increase the interest.

You should contact your lender a few days before the due date and explain your situation. In most cases, you will be able to get a new repayment plan with more relaxed terms.

However, the FCA limits the number of times you can get an extension.

PaydayLoans.Money.Co.Uk Bad Credit

According to the website, all payday loan requests require a credit check. Besides, if you give false information about your credit score during application, it will show up during the check process and your request could be declined. Several lenders from the network could lend you money even if you have a bad credit score but it will be harder for such clients to get a loan and they will only be eligible to apply for small amounts because the lender will need to ensure that you are a responsible borrower.

So, even if you have a bad credit history, you can still be approved for a loan unless:

  1. you have not faced bankruptcy in the last 12 months;
  2. you do not have a CCJ in the last 12 months;
  3. you are not on a debt management plan.

Technical Characteristics of the Website


PaydayLoans.Money.Co.Uk promises to keep users’ personal details completely safe. It turned out that their website is using a 128-bit SSL encryption technology provided by COMODO CA Limited. It means that all data submitted to this site is encrypted and that COMODO CA has confirmed the company’s physical location and legitimacy.


It’s nice to see that they use an Extended Verification Certificate, which let us see the website’s legal owner – Dot Zinc Limited, however, I would recommend them to upgrade their encryption level to 256-bit – such a technology will be able to provide the maximum security to customers.

Mobile Version

PaydayLoans.Money.Co.Uk is a mobile-friendly website, which is convenient to use both on stationary computers and mobile devices:

Today, most users prefer special mobile versions. There are reasons for this:

mobile version

It’s convenient to view the website through screens of mobile devices. Visiting such ordinary pages with a high resolution can turn into a real problem: only a part of the information will be visible on the screen – you will have to scroll or reduce the page, but in this version the text becomes unreadable. To avoid this situation, there is a mobile version of the site.

Navigation is adapted for devices with a touch screen or for a mobile phone keyboard. This is also very important because it will not be problematic to click on the required link on the touchscreen.

So, if you prefer to apply for a payday loan via your mobile device, you will not face any difficulties.


Regretfully, PaydayLoans.Money.Co.Uk does not utilize any antivirus program, which could threaten your peace and security. Using this site, users could infect their smartphones and computers with viruses or even suffer from an identity theft.

I would recommend website’s owner to utilize modern antiviruses like Norton, McAfee, or others. They will able to provide the highest security level to customers.

Convenience of Using the Website

The website seems simple to use. To begin with, you should simply choose the amount you want to borrow, the day you get paid, and for how long you want to borrow the funds:

search bar

After that, you will see all available loan offers from the partners of PaydayLoans.Money.Co.Uk. They will come with different interest rates based on the loan period and amount. You can select the most suitable offer and continue the application. Below you can see an example of offers for a 28-day loan in the amount of £100. All in all, the system has found 14 results:


At this stage, you see the total amount you will have to repay, your interest rate and how long you can repay a loan.

Once you have chosen the suitable offer, you need to fill in some personal details to create an account with the lender, including name, date of birth, email address, phone number, physical address, number of dependents (optionally).

After that, you then need to choose a password so your sensitive personal data can be saved securely. This means you can log in to your personal account at any time without needing to enter your information again.

Finally, you need to specify your bank account you want the lender to transfer the funds into and where the payment will be taken from.

According to the website, most lenders from the network can give you a decision within a couple of minutes.

After that, the funds are sent to your bank account within 24 hours (in some cases it may take longer).

I like that the site provides the general information about payday loans and gives a good selection of direct lenders coming with different fees and terms.

Is PaydayLoans.Money.Co.Uk Legit?

ScamAdviser is completely satisfied with the website’s legitimacy. PaydayLoans.Money.Co.Uk has a 100% trust-rating, which means it is working legally.


According to ScamAdviser, the website’s owner is Dot Zinc Limited, domain age is 22 years, the owner country is the United Kingdom, the website’s location is the United States. However, ScamAdviser wants you to know that the data are given for the parent website known as money.co.uk. This website is a sub-domain and the actual creator of the site may be different.

Although this site is based in the United States, ScamAdviser detected that there are other countries involved and consumers should review this information carefully. However, the site has the highest trust-rating and nothing testifies that this broker works illegally.

PaydayLoans.Money.Co.Uk Reviews

On-site Reviews

Regretfully, there are no PaydayLoans.Money.Co.Uk reviews available on the broker’s native website. I did not find a testimonial page whether consumers could describe their experience with this broker. For this reason, I had to look for comments posted on independent third-party resources.

Reviews on Third-Party Websites

There are no PaydayLoans.Money.Co.Uk reviews posted on independent third-party websites but I found a huge number of Money.co.uk reviews. Considering the fact that the payday loan broker is a sub-domain ofMoney.co.uk, I think this should be taken into account. Fortunately, the majority of comments are positive. 898 testimonials are posted on TrustPilot.com and 93% of them are ranked as “great” and “excellent”. Most consumers like “best deals,” “very easy to use website” and “fair deals”. Read some of the comments posted on Trust Pilot:

good reviews

However, not all borrowers are happy with the services provided. The most complaints were about high interest rates, loan denials, continuing auto withdrawals, delayed funding, technical problems on the website, unreliable lenders in the network:

bad reviews

Although most Money.co.uk reviews are great, it would have been better to see any comments about its sub-domain PaydayLoans.Money.Co.Uk. The overall opinion about the company was good.

Customer Support

Contact Information

The company’s head office is located at The Castle, Cecily Hill, Cirencester, Gloucestershire, GL7 2EF. The London office can be found at the Cooperage, 5 Copper Row, London, SE1 2LH. The phone numbers and email addresses are also specified in the “Contact Us” section:

contact us

The website seems to have nothing to hide and I like it.

Getting a Consultation

If you have any questions about using the website or payday loans in general, you can contact the customer support group by email [email protected], phone number 0-128-573-0000 or by post to the Cooperage, 5 Copper Row, London, SE1 2LH.

If you have questions about the progress of an application, concrete rates and terms of your loan, or are experiencing technical problems when using a third party website, you need to contact the direct lender.

I had a general question about the availability of payday loans across the United States. I sent an email to the specified address and got an answer within 2 hours. You can read the reply below:

customer service

I’m quite satisfied with the answer and conclude that this broker has a well-established customer care department.


PaydayLoans.Money.Co.Uk seems a legit broker which is able to provide short-term loans of small amounts. This website is owned by Money.Co.Uk, which has an extensive experience and a good online reputation. Here are some of the advantages of this company: a good selection of loan offers, a wide network of lenders, transparent terms and fees, fust funding (within 24 hours), no early payment penalties, no need for collateral, bad credit accepted. However, there are some aspects I dislike: high interest rates, only short-term loans available, high charges for delayed payments, credit check needed. Overall, this matching service could be a good option but I still recommend you using this website as a last resort because they have very high rates and fees if compared with other lenders.

Review Content

Recent Reviews

About the Author

Stephanie Reyes
Stephanie Reyes

Stephanie Reyes is a 30 years old women with an extensive experience in IT sphere. She started creating and posting such a content already in the University. She has graduated from University of Chicago. Now she doesn't bind to any location and travel the world in parallel cooperating in cardinalbank.com.

She posts financial reviews. It will help many people to get to know whether it is possible to issue a bank loan if not - take out payday loans and other online financial services. Stephanie with her husband met in the university and developed the main ideas of SMM.