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Welcome to 5 Star Payday Loans

Here at 5 Star Payday Loans we like to make things as clear and as simple as possible and also provide a 5 Star service for our clients. Our aim is to get you the finance that you require as fast as possible and with the minimum of fuss.

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Simply click the Apply Now button below and complete the simple application - it only takes a couple of minutes.


Representative 2950% APR

Representative Example: Borrow £275 for 28 days. The total charge for credit is £82.36. Interest is fixed at a rate of £29.95 per £100 loan (359.4% per annum). The total repayable is £357.36. 2950% APR Representative.

Warning: Late repayment can cause you serious money problems. For help, go to

Listed below is a host of information regarding borrowing money, but fundamentally all you need to know is that you will typically be charged £29.95 for every £100 that you borrow - so if you borrow £100 you will have to pay back £129.95. That's it - no hidden set up charges or hidden fees.

Payday Loans

Payday loans or cash advance loans are meant to be used as a short term loan, and were designed to help people overcome any unforeseen emergencies's that require some extra cash. It is important that they are used as such, and repaid in full on your next payday. If used in the way that they were meant to be payday loans can be of real benefit. However, if they are not repaid in full when they are due, they can be of more harm than good, as this kind of borrowing becomes really expensive when it is not repaid on the due date. Because of this you should only borrow what you can easily afford to repay, and the cash should only be used for essential purchases and not for frivolous or non essential purchases.

Online Loan Broker is a trading name of Interfinancial Limited, a respected UK loans broker. We have access to a majority of the UK's lenders, which gives you the best chance of getting your cash advance loan approved and receiving your cash today*. All you need to do is complete our secure application form and let our state of the art system do the rest. When a payday lender accepts your application we will redirect you to their website so that you can complete the application process, and in most cases get your cash advance deposited directly into your bank account*. We do not charge any fees for the service that we provide, as the lenders will pay us a commission for passing the business to them. To qualify you will need to be UK resident aged 18 or over and employed (see our who qualifies page for more details).

Cash Advance Charges

Payday loans carry a fixed flat rate fee - it is as simple as that. There are no hidden charges but some of our lenders charge a fee for administration. The cost of credit is generally around 29.95% for a 30 day loan so if you borrow £100 you will repay £129.95. You can borrow from £50 to £1,000, however some of our lenders will restrict the amount you can borrow to a maximum of £500 the first time that you take out a loan with them. As such even if your application is approved by a lender you may not actually qualify for the amount that you have applied for.
Please note that we deal with multiple lenders, whose interest charges and administration costs may vary. If your application is approved by one of our lenders, the actual costs will be presented to you when you are redirected to the lender's website to complete the application process.

You Borrow Total Amount Repayable
£100 £129.95
£200 £259.90
£300 £389.85
£400 £519.80
£500 £649.74
£600 £779.70
£700 £909.65

The table above is for illustration purposes only, because the actual costs and charges will vary from lender to lender.
Once your application is accepted by a lender you will be redirected to their website to complete the application. The actual costs and also any charges (if applicable) will be illustrated to you. Make sure you are fully aware of exactly how much your loan will cost you before you agree to it!

Cash Advance Renewals Policy

A majority of our cash advance lenders understand that further issues can arise that will mean you are unable to repay your loan in full on the due date. Should this happen to you, the lenders will normally be sympathetic to your situation and allow you to roll your loan over. However, before they permit this, they will need to be sure that doing so will not have make your financial situation worse.

As soon as you realise that you will be unable to repay your cash advance loan, you will need to discuss your options with your lender. If the lender is in agreement and permits you to roll your payday loan over, they will insist that you at least repay the interest that is due. The original loan amount will be 'rolled over' into a new loan which will incur another month's interest charges. You will then need to repay this loan in full when you are next paid. Any extensions, partial payment or requests to repay the loan early should be discussed with your lender at least three working days before your loan is due to be repaid.

Responsible Lending

Our lenders do:

  • Offer short-term cash advance loans that focus on the borrowing needs of their customers.
  • Assess affordability to make sure that the applicant can easily afford to repay the loan when it is due.
  • Make sure that all customer contracts are transparent and easily understandable.
  • Treat all of their customers in a helpful, and polite manner they will also deliver excellent standards of service.
  • Maintain a high level of customer satisfaction.

Our lenders do not:

  • Target people that are experiencing problems with debt.
  • Lend to people who in their opinion will be unable to repay the loan when it is due.
  • Deal with any customers whose personal details cannot be verified.

Representative 2950% APR

Representative Example: Borrow £275 for 28 days. The total charge for credit is £82.36. Interest is fixed at a rate of £29.95 per £100 loan (359.4% per annum). The total repayable is £357.36. 2950% APR Representative.

Warning: Late repayment can cause you serious money problems. For help, go to

* Check with your bank to see if they will accept Faster Payments; some banks can take as long as 3 working days to clear the funds. Applications must be received by 1530 and completed by 1700 for your money to be transferred today!

© Copyright 2015 www.5StarPaydayLoans is a trading name of InterFinancial Limited who is a finance broker whose registered office is: 149-151, Mortimer Street, Herne Bay, Kent CT6 5HA. Company number 5448143. We are authorised and regulated by the Financial Conduct Authority, we are also on the Financial Services Register with firm reference number 640077. We are also licensed by the Information Commissioners Office (registration number: Z2730774). Interfinancial Limited is not a bank or lender of any kind, we are a credit broker and intermediary. Interfinancial does not charge any fees for its service. We will receive a commission from the partner your application is allocated to following successful introductions from this website. Some of our partners may charge you a fee, as such you should make sure you are aware of any fees before you decide to proceed with them.

Consumer Credit Trade Association Logo   InterFinancial Limited is a proud member of the CCTA see below our commitment to you!
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