Short Term Loans

Payday 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


Apply to Obtain a Payday Loan Online Today

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Response Funding Limited is the premier source of short term loans, same-day loans, direct lender loans, bad credit loans, and more in the UK. Those in need of fast cash can have an application completed in only a few minutes. The process to apply for a loan may even be completed from the comfort of your own home.  Our short-term loans are affordable and do not have concealed fees and extra charges. We maintain a commitment to treating people fairly and honestly and look forward to working with you!

Payday Loans from Response Funding

Response Funding Limited, formerly Fancy a Payday, is a recognized lender based in the United Kingdom. We provide excellent short-term loans to those who find themselves faced with an unexpected expense. Many individuals experience sudden problems that require cash quickly. Some of the most common critical expenses include car repairs, utility bills, and groceries. Our payday loans do not require any long term commitments and are quick to obtain. The loan application can be completed in just a few minutes. Our loan terms and conditions are clearly presented to you and you will not be surprised by unexpected charges or fees. Those with prior credit problems may still qualify for one of our payday loans online. If your application is completed and approved, you may have the funds deposited into your bank account on the same business day.

What is a Payday Loan?

When you find yourself in need of emergency cash, a personal loan from Response Funding may be a potential solution. You simply complete our online application and we will make the decision on whether to approve you for the loan. Our payday lending process potentially allows you to receive fast cash on the same business day. These are unsecured loans that you pay back on your upcoming paydays.

An unsecured loan is one provided from the lender without collateral. An example of a secured loan is one used to purchase a car or home. If a lender requires collateral, the borrower must have a tangible asset that can be repossessed if the borrower becomes delinquent. A payday loan is essentially an installment loan that is repaid at intervals based on when you are paid. They are designed to allow you to satisfy your other financial commitments as you repay the loan. The payments are spread out over a reasonable three month period of time.

Is our Payday Loan Right for You?

Our personal loans are often a good option for those with a low credit score. Those with a limited credit history may struggle to be approved for a loan as well. Many people in these scenarios are unable to obtain approval for a line of credit, a credit card or cash advances.

A payday loan is often an attractive option for those with an immediate need for funds. Someone who needs to pay their bills to avoid eviction or a utility disconnection may benefit from these loans. Often, those with good credit may have difficulty obtaining the cash they need from traditional lending sources because it is a lengthy process. Some banks or credit unions may insist that you visit a local branch office to begin the application process. Then, they may not reach a decision on your application for several days or even weeks.

Key Benefits of our Payday Loans

You can easily complete our online loan application by visiting our secure website. Individuals with verifiable employment and a current bank account are encouraged to apply. The process may be completed by using your computer, tablet or phone 24-hours-a-day at your convenience. Our loan application staff carefully considers several factors to determine if a payday loan is suitable for you. Our underwriters will assess your current financial circumstance, which will influence their decision. Our loans do not require any collateral and are a preferred alternative to pawning valuable possessions.

At Response Funding Limited, we take the security of your personal information very seriously. Our application process was designed to protect key applicant data. We use an advanced web platform that meets the latest standards in real-time security and confidentiality. We have gone to great lengths to create an infrastructure using the best firewall and encryption technology available. One key security advantage is that we operate as a direct lender. This provides us with the ability to centrally store and manage critical contact and personal data. Being a direct lender means that we are funding your loan directly with our own capital. This avoids any unwanted broker fees or added costs from intermediaries. We are properly licensed and authorized with the FCA and are based here in the U.K.

Eligibility to Apply for our Payday Loans

  • Applicants must be current adult residents of the U.K.
  • You must have current employment that can be verified or another documented type of regular income.
  • A current bank account is necessary for electronically processing transactions.
  • The maximum amount that may be obtained on the initial loan is £125 with the possibility of increases for future loans.
  • Our loans have a 0.8% daily interest rate, an APR of 1304.41 and a fixed 292% annual rate.
  • We operate according to responsible lending principles that ensure our payday loans are appropriate for borrowers.
  • Our loans are not suited for those in need of a long term financial solution or those who are currently unemployed.

Payday Loans Featuring Fast Online Approval in the U.K.

Has an unexpected expense suddenly put you in a situation where you need cash now? A payday loan from Response Funding Limited may provide you the necessary funds in as little as one day. We offer short term loans that are easy, fast and reasonable. Those wishing to apply for a loan can do so around the clock. It is possible that you may be approved today. Paying back the loan is simple because payments are made on your upcoming pay dates over a three month period. Our terms and fees are clearly disclosed and even those with past credit problems may qualify. Apply today!

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