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

Short Term Loans and Instalment Loans of up to £1000!

I'd like to borrow
I'll repay inover
14 days
on the
  • Feb 99th 9999 £999.99
Borrowing £265
Interest Rate 292% pa (fixed)
Interest £29.68
Total Repayable £294.68
To repay byTo repay in full by:

This is a bank holiday, are you sure you can repay on this date?

Representative 1270%APR

Minimum 1255%APR

Maximum 1698.1%APR

Representative Example

Amount of credit £250.00 for 30 days
Total amount payable £310.00
Interest rate 292% (fixed)
Interest £60.00

Learn more about APR here

Price Comparison

Compare different lenders on a Financial Conduct Authority approved price comparison website. We use money.co.uk and allthelenders.org.uk


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Why Choose PiggyBank?

  • Direct Lender
  • No Payout Fee
  • No Hidden Costs
  • Fast Online Application
  • Multiple Repayment Options
  • 100% UK Based
  • Fully Authorised by the Financial Conduct Authority
Independent Feedback based on 715 verified reviews.
Mahmoud Najim 25/05/2018
Short Term Loan
Very good and flexible to pay back
Trusted Customer 24/05/2018
Short Term Loan
Compepetive rates You can settle earlier and pay only up to the date
Ovidiu Stelescu 23/05/2018
Short Term Loan
Interest a bit high but great help
Veselin Ivanov 22/05/2018
Short Term Loan
Shaun Fitzpatrick 21/05/2018
Short Term Loan
Trusted Customer 18/05/2018
Short Term Loan
Great service I would recomend...
Margaret Hughes 18/05/2018
Short Term Loan
Brilliant, quick service too, def best I’ve used yet
Magdalena Klosowska 18/05/2018
Short Term Loan
Perfect LOAN for me when I jesteś money
Trusted Customer 17/05/2018
Short Term Loan
Jordan Whyte 17/05/2018
Short Term Loan
Excellent servixe and would definitely use again.

Payday Loans

Payday loans are short term loans that have been designed to see you through if you need that extra bit of cash before your next payday arrives. You can choose to pay back on the date of your next payday, or within a timeframe that suits you. There are multiple repayment options available, making the whole process simple and smooth.

Advantages of a Payday Loan

There are a number of advantages to taking out a payday loan:

  • A solution to cover any unexpected circumstances or unforeseen expenses
  • Gives a chance for those with a bad credit history to successfully apply for a loan
  • Rebuild your credit score if you have a bad or no credit history
  • Simple application process that can be completed in minutes
  • Repaying early allows you to save on interest of longer term loans

Responsible Lender

At PiggyBank we are a responsible lender, and with that in mind our short term loans are only provided after thorough affordability and credit checks. We only lend to those who can afford to repay their loan without putting themselves in financial difficulty. The last thing we want is to be responsible for placing you in further debt due to a missed payment you clearly couldn’t afford in the first place.

PiggyBank’s Payday Loans

PiggyBank provide payday loans that are intended to cover your expenses until your next payday. A short termloan typically lasts between 7 days to 35 days, borrowing £100 to £1,000. If you feel that 1 month is too short, an instalment loan can help spread the cost of your loan over a longer period.

After you have filled out our easy to use application form, we aim to have the money delivered direct to your bank account within an hour of being approved.

One thing we are clear about is that our short term loans should never be used in order to maintain long term borrowing requirements; it is a short-term fix, with clear payment terms and interest, designed for that unexpected expense. If we believe you cannot afford to repay the loan without putting you in financial difficulty, we will not agree to the loan. For more information on whether you qualify, take a look at our eligibility page.


The APR (Annual Percentage Rate of Charge) applicable to a payday loan has to be legally outlined by all payday lenders, but we want you to be aware of exactly what it means. An APR is best used to compare loans of a longer nature, those that will last a year or more. When used in relation to a short term loan, of say 30 days, it will always look like an extremely high and unfair number, as it represents a loan taken out over an entire year. This wont be the case if you take out a payday loan with PiggyBank as the lengths of the loans are significantly shorter.

PiggyBank is open and transparent about everything to do with our lending. If you are sure you can afford to take out a payday loan and have the means to pay back within the agreed timeframe then our friendly team is here to help you out. If you’d like more information, feel free to get in touch.

Call Us

0800 206 1560

General Help






We're available:

9AM - 1PM
8AM - 6PM
8AM - 4:30PM
9AM - 1PM

Monday (Bank Holiday) Tuesday - Thursday

What is a Payday Loan?

An payday loan is a short term cash solution that is used to cover an unforeseen expense that might arise due to a family emergency, an unexpected bill, a problem with the car, or needing to replace a broken appliance.

PiggyBank payday loans are flexible! You can borrow from £100 to £1000, and choose to pay it back over 7 days to 5 months.

We also offer instalment loans if you'd like to borrow a little more and repay over 2-5 months.

What's the Process?

Use the slider to choose your payday loan amount from £100 up to £1000. You can choose to repay anywhere from 2 up to a maximum of 5 months.

Complete our simple online application form. We'll ask you for your personal details, your employment information, your income and expenditure, and your bank account details.

We will assess all the information you provide, send you a mobile pin and if approved we aim to pay your loan out within an hour.

What if I Can't Repay?

We understand that sometimes your circumstances can change for the worse in a way that’s completely out of your control.

If this happens, it’s our “PiggyBank promise” to you that we’ll be understanding and work with you to come up with a resolution to get your short term loan paid back.

It’s a process we call “Responsible Collections” and it’s all part of our philosophy of making finance a friendlier and more human place for our customers.