Short Term Loans

Online Loans

We are a UK based responsible lender, with local financing and no extra fees.


REPRESENTATIVE EXAMPLE: Amount borrowed: £200 | Loan length: 3 Months (82 days) | Annual rate of interest: 292% fixed | Cost of credit £111.36 | Monthly payments: £103.79, £103.79 and £103.78. | Total payable over 3 payments: £311.36

Choose your loan amount

*First time borrowing limited to £125


Online Loans

Response Funding Limited, formerly Fancy a Payday, is an established lender in the U.K. specialising in loans that can be quickly obtained online. If you are in need of fast cash, we provide personal loans to assist those facing sudden expenditures such as car repairs, unexpected bills or child-related costs. Our loans are short term and you may be able to receive the money you need today. Our online loan application process only takes a few minutes to complete. We use the latest cyber security technology to protect your personal information.

What is an Online Loan?

If you are in need of emergency cash, an online loan from Response Funding may be the best solution for you. During the application process, you will be asked to verify your identity as well as your current employment and banking information. Our approval process is fast and easy. You may be eligible to receive up to £125 deposited into your bank account the same day that you apply. We will disclose the interest associated with the loan, with no hidden charges or fees. The loan amounts are designed to be paid back on your pay dates and do not extend longer than three months.

Why Consider an Online Loan?

We understand that sudden financial emergencies may arise from time to time. We may be able to provide you with a practical, affordable and timely financial solution. Individuals with no prior credit history or those with past credit problems may find it challenging to obtain traditional short-term loans or credit cards. Response Funding is a licensed and registered lender in the U.K. that provides loans directly to borrowers. As a direct borrower, you will avoid costly “middleman” charges that are often added when obtaining a loan through other financial brokers. Our terms and conditions are clear and understandable so that you are aware of the interest rate with no hidden fees.

Benefits of an Online Loan

  • It’s a simple application process that can be completed by using your computer, smart phone or any other device with internet access.
  • Receive funds quickly—often on the same day that you apply for a loan or by the following business day.
  • Your personal information is protected by the latest server, firewall and encryption security technology.
  • Our lending approval process is designed so that the loan is suitable for your individual financial circumstances.
  • We will customise a repayment schedule for our financial products based on when you are paid.
  • We clearly disclose interest charges with no add-on fees.

Our initial installment loan amount does not exceed £125, but future increases to this limit are possible. Our loans are not appropriate for those seeking a longer-term financial solution. Short-term loans are generally considered to be a higher interest option. At Response Funding, we seek to keep our loans affordable by minimising unnecessary costs and continuously considering new emerging technologies. Our loans are not be suitable for those in dire financial situations or enduring a period of unemployment.

Loan Requirements

Applicants must be 18 years of age with appropriate documentation to confirm their identity and U.K. residency. Have your employment information or records of other sources of income available for verification. To qualify for a loan, you will need a current bank account that is capable of conducting transactions electronically. We are a direct lender that is properly authorized by the Financial Conduct Authority.

Obtain a Short-Term Personal Loan Online Today

Get an Online Loan Today

At Response Funding Limited, we may be able to provide you with the funds you need in a timely manner. Even borrowers with no credit history or past credit problems may qualify for a personal loan. Since we are a direct lender, we are often able to offer highly competitive rates. The online application process may be completed 24 hours a day from the comfort of your own home. Get the money you need today!

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