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Payday Loans

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Representative Example

Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable)

Online Payday Loans From Regulated Brokers

At the need of the hour, you might need fast cash. Payday Loans are big respite at this tight spot. Oyster loan is a reliable broker in the UK, and working hard to give financial solution to the borrower at emergency situation. We might give you the assurance of getting better deal of payday loan from the financial market. These are short term loans as you need to repay the balance amount in the following payday.

With the help of Oyster Loan Broker, you can get the details of cheap payday loan available from the genuine lender. We, as a regulated loan broker in the UK, will guide you how to get rid of any kind of financial stress. Making your financial condition stable is our commitment.

When you need a small amount of money, applying online for payday loans is more practical choice. However, you might get confused where to find the experienced lender. We, being a registered loan broker, ensure how you can lend money online from the reliable lender, without much hassle of documentation.

Payday Loans for Bad credit people

Having poor credit history can be a big ordeal, especially if you need money on urgent basis. Due to poor credit score, your loan approval from any bank can be hindered. We understand your requirement even under this situation, and guide you to the lender who can approve quick payday loans, in spite of your damaged credit score.

Easy Loan Approval Advice

Payday can be same day loan, if your loan is approved and disbursed on the same day when you provide the required documents at the first go. We, at Oyster Loan, make sure that borrowers are thoroughly explained about the documentation so that their loan gets approved on the same day.



Oyster Loan does not charge any fees. If you are contacted by anyone saying they are calling from Oyster Loan requesting you make them a payment, you should report this to, as we are aware that there is currently a scam using the Oyster Loan brand. This has nothing to do with our company.

All loan deals,quotes and financial promotions are subject to lenders requirements and approval.

All Loan approvals & Quotes are subject to Credit Score and Affordability requirements by lenders. If you meet the lender's criterion, they will be more than happy to lend you money.We as a broker make all efforts to process your application with the most suitable lenders in our panel.

Important payment information

Collections Process
Contact your lender directly if you have any worries about making your re-payment. If you do not endeavour to do so you will be unable to arrange any payment options and where the situation remains unresolved (where you have not re-paid your loan), the lender can exercise their right to pass your details onto a third party collections agency. This agency will then work to recover your unpaid arrears (plus any interest accrued as a result of your non-payment).

Implications of Non-Payment
By not making your short-term loan re-payment on time, you could be subject to fees and penalties, which will be implemented at the discretion of your individual lender. The details of any charges that can be added to your loan re-payment amount will be detailed within your loan agreement and this will include the reasons why further charges may be added. If you are late in making your payment this could also have a negative impact on your credit score. Therefore, in order to avoid having to re-pay more than your original agreed amount, we suggest that you re-pay your loan on time. If you fear that you will experience difficulty in paying back what you owe, please contact your lender as soon as possible.

Late Payment
Where you feel that you will not be able to meet your re-payment date and will need to make your payment at a later time – you must contact your lender to arrange this. If you do not, it could be assumed that you are unwilling to re-pay your loan and therefore you could incur a higher fee or charge than you would otherwise have done by simply extending your loan term. A late payment fee usually amounts to anywhere between £1 and £100 and this will vary dependent upon your lender. However, we do not advocate the unnecessary extension of short-term loans and as a result we ask that you ensure that you will be able to re-pay any loan that you apply for. For more information, please read and understand the terms and conditions associated with your loan agreement.

Renewal Policy
We do not advocate the renewal of short-term loans however, in the instance that you wish to do so you must contact your lender immediately. You will often be charged the same rate of interest or fees for an extra month however; this will be charged on the full amount that you owe to the creditor (amount borrowed plus first month's interest). If you are late in making your loan re- payment or you fail to make the re-payment at all, your loan may be automatically rolled over thus automatically incurring further interest and charges. Any amount that you have borrowed you will be liable to re-pay so, please make sure that you only take out a loan if you can afford to pay it back in full.