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Need help with payday loan debt?

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Payday loan help and free debt advice

Payday loans are a type of short term loan that usually has very high interest. They are a risky way to deal with debts.

Payday loans are meant to be:

  • For small purchases before payday
  • Between £50 and £1,000
  • Only for a few weeks

But if you do not pay it back:

  • You owe the outstanding balance
  • You owe added interest
  • You owe extra fees and charges

Make sure to consider a payday loan carefully.

Interest rates are usually very high. This is the main cause of payday loan debt.

These loans are not a debt solution and can make your financial situation worse.

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Is a payday loan right for me?

It depends on your situation. But payday loans are rarely a good idea.

Ask yourself:

  • Why do I need a payday loan?
  • Are there other ways to get money with lower interest rates?
  • Can I afford to repay the debt on time?

Find out how much a payday loan could cost you by using our payday loan calculator.

Frequently asked questions

Can you go to jail for not paying back a payday loan?

There’s no need to worry about being imprisoned for payday loan debt.

It is rare to go to prison for any type of debt. And it does not happen for consumer credit like payday loans.

There are only a few debt types where non-payment can lead to imprisonment, such as criminal fines.

You can also go to prison for not paying council tax arrears in England but this is rare.

Read our guide to prison and debt.

What happens if I cannot pay my payday loans?

Things can get out of hand quickly if you do not pay the loan.

But your lender should check you can afford the payments when you take out the loan.

  • You can make a complaint if you do not think they did this properly
  • This could mean that interest and charges are reduced or written off

The lender will contact you if you do not pay.

They may use a debt collection agency to try to get the money back.

Get in touch with us for free and confidential debt advice.

Can a payday loan company take me to court?

Yes, they can raise a county court judgment (CCJ) or decree against you if you do not repay what you owe.