Quick access to funds for unexpected expenses with much lower rates than typical payday lenders.
Fast access to cash with responsible terms and significantly lower rates
Starting from 28% APR, significantly lower than the typical 400%+ from traditional payday lenders
Get funds deposited directly to your account on the same day when approved before 2pm
Repay over up to 3 months instead of being trapped in a cycle of bi-weekly rollovers
A simple, transparent process designed to get you funds quickly
Complete our short application in just 3 minutes with basic personal and employment information.
Receive an instant preliminary decision with final approval typically within an hour.
Review the terms and digitally sign your agreement with clear repayment schedule.
Get money deposited directly to your bank account, often on the same day of approval.
Responsible short-term financing for unexpected expenses
Cover urgent plumbing, heating, or electrical issues that can't wait until payday
Fund essential vehicle repairs when you depend on your car for work or family needs
Cover urgent care costs, prescriptions, or medical bills not covered by insurance
Avoid service disconnections by covering essential utilities until your next paycheck
Prevent costly bank overdraft fees when important payments are due before payday
Bridge temporary cash flow issues between paychecks when unexpected expenses arise
Transparent pricing and responsible terms
| Loan Feature | Details |
|---|---|
| Loan Amount | £100 - £2,000 |
| Interest Rate | From 28.0% APR (Representative example) |
| Loan Term | Up to 3 months |
| Decision Time | Same day |
| Funding Speed | Same day (if approved before 2pm) |
| Fees | No hidden fees, no early repayment penalties |
*Representative Example: Borrowing £500 over 3 months at 28.0% APR would cost £40.93 per month, with a total repayment of £542.80
Apply NowWe believe in transparent and ethical short-term lending
Our rates are significantly lower than traditional payday lenders, saving you from predatory lending.
We provide fully transparent terms with no hidden fees or charges, so you know exactly what you'll pay.
We conduct thorough affordability assessments to ensure the loan is right for your financial situation.
We don't encourage harmful rollover cycles that trap you in debt. Instead, we offer manageable repayment plans.
Real stories from people who've used our payday loan services
"When my car broke down, I needed money fast. I was shocked at how low Integra's rates were compared to other payday lenders. The application was simple, I got approved in under an hour, and the money was in my account the same day."
Borrowed £750 for car repairs
"I was facing an unexpected medical bill just before payday. I'd used payday lenders before, but Integra's interest rate was so much lower. The clear repayment schedule meant I knew exactly what I owed and when. No surprises!"
Borrowed £500 for medical expenses
"My boiler broke in the middle of winter, and I couldn't wait until payday to fix it. The customer service team was really helpful, explained everything clearly, and I appreciate that they actually checked if I could afford the repayments. The 3-month term made it manageable for my budget."
Borrowed £1,000 for emergency home repair
Get answers to common questions about our payday loans
Most approved applications receive funds the same day. If you're approved before 2pm on a business day, you'll typically receive the money in your account within hours. Applications approved after 2pm or on weekends/holidays will be funded the next business day.
Our payday loans offer significantly lower interest rates than traditional payday lenders, starting from 28% APR compared to the typical 400%+ rates. We also provide longer repayment periods of up to 3 months instead of requiring full repayment on your next payday, which can lead to expensive rollover cycles.
To apply, you'll need to be 18+ years old, a UK resident, have a regular source of income, an active bank account, a valid mobile phone, and email address. We'll verify your identity, income, and bank details during the application process.
Yes, you can repay your loan early at any time without any penalties or extra fees. In fact, we encourage early repayment when possible as it can reduce the overall interest you pay.
If you're struggling to make a repayment, contact us immediately. We'll work with you to find a solution, which may include adjusting your repayment plan. We don't charge late fees, but missed payments may affect your credit score. We're committed to responsible lending and finding solutions that work for our customers.
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