Short Term Loans

Personal 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


Response Funding Limited, formerly known as Fancy a Payday, is an established lender based in the U.K. that offers short-term loan solutions to borrowers. We pride ourselves on offering practical, affordable and quick loans to those with sudden financial needs. Many of our borrowers find themselves suddenly facing unexpected financial problems such as car repairs, child-related expenses and utility bills. Our application process is simple and can be completed 24 hours a day. If your loan is approved, the funds you need may even be deposited into your bank account on the same business day.

What is a Personal Loan?

A personal loan provides the borrower a set amount of money to be paid back over a fixed time period also known as a term. These are classified as unsecured loans, meaning they are not secured on an asset such as a home loan or a car loan. Borrowers will generally pay a higher fixed rate of interest compared to traditional lending options. Our personal loan amounts start at £125 and are to paid back over a relatively short term of no more than three months. After receiving your application, your credit may be subject to review by our staff. The loans are paid back on your pay dates and can be weekly or monthly payments.

Why Consider a Personal Loan?

Personal loans may be considered for a wide variety of reasons. Individuals may have sudden medical expenses or an urgent home repair may arise. Borrowers with a poor credit score may use a personal loan to prevent eviction or utility disconnection. Some borrowers have no prior credit usage or a poor credit history. Many borrowers are unable to obtain credit cards when sudden financial challenges occur. Those who need funds quickly should consider a personal loan despite the higher interest rate. As a responsible online lender, we remind applicants that our loans are for those in need of a short-term loan. Our loans are not appropriate for those faced with unemployment or amid an ongoing financial crisis.

What are the Benefits of a Personal Loan from Response Funding?

  • The interest charges you are responsible for are clearly disclosed—no unexpected fees!
  • Your personal information is securely and confidentially managed by our state-of-the-art technology. Our systems utilise safety measures such as data encryption, layered authentication, and real-time filtration.
  • We are a direct lender registered in the U.K. that allows borrowers to avoid the additional costs of intermediaries and broker fees.
  • Those with low credit scores may still qualify for the lowest rate available.
  • You may contact us if you want to pay back the loan sooner than required.

What are the Requirements for a Personal Loan?

A borrower seeking to obtain one of our short-term personal loans must be a legal, adult resident of the United Kingdom. Applicants must be employed or have another source of steady income that is verifiable. An existing bank account is required for the electronic transfer of funds. Our lending staff will evaluate your unique financial situation to determine if you are in a position to realistically repay a personal loan as well.

Online Personal Loan Provider in the U.K.

Getting a Personal Loan is Easier Than You Think

Our borrowers avoid add-on fees, hidden charges and other unexpected interest costs because we clearly outline the financial terms up-front. Our loan products are short-term and thus do not require long-term commitments. We encourage you to begin our online application if you are in need of a personal loan. You may be able to receive the money you need today!

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