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Payday Loan Charges | Cashcall


Why Cash Call is the best choice and how our charges work.

You should only borrow what you will be able to pay back. So at Cash Call we would advise you to make sure you understand the full cost of the loan before agreeing to it. One quick way to help decide if a specific loan is right for you is to estimate your disposable income and then subtract the total amount the loan will cost you. If there will still be money left in the bank then maybe the loan is the best solution to your financial problems.

At Cash Call we have enviable experience within the financial sector and we work hard every single day to make sure we meet the very highest of standards. We are committed to explaining fully to all our customers exactly how short-term loans work.

You can apply for a loan for anything between £80 and £750 but we would like to reiterate that it is vital you think carefully before you agree to any loan and are sure you will be able to repay it once the agreement comes to an end.

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7 days

You pay back:     £352.80
Total loan cost: £72.80*

In the UK the financial industry must by law represent interest rates using a calculated Annual Percentage Rate – or APR. This is designed to make comparing loans easier for consumers. But APRs are designed specifically for loans which are taken out over a 12-month period or longer and do not usually take in to account non-interest related fees or charges. So, for short-term loans this makes the calculation very difficult to compare on a like-for-like basis.

At first glance a payday loan clearly has a much larger APR than a personal unsecured loan. But the repayment period for a personal loan is 5 years which is much longer. Therefore total fees paid over this time period would come to 33.2% of the original loan value – for a £15,000 loan this would be £4,981.92 in additional charges. If you match this to a payday loan with the 24% charged over a 30-day timescale the total cost per £1 borrowed is LOWER for a short-term loan.

Comparing Payday Loans and Personal Unsecured Loans

Example of a payday loan:

  • Let's say you borrowed £200 for a 30 day period

  • Typically, you would pay back £248

  • In that case, the interest would be £48

  • The APR for this example would be 1269.7%

For every £1.00 borrowed, £1.24 would be paid back

Example of a payday loan:

  • Let's say you borrowed £15,000 for a 60 month period...

  • Typically, you would pay back £19981.92

  • In that case, the interest would be £4981.92

  • The APR for this example would be 15.9%

For every £1.00 borrowed, £1.33 would be paid back

Instant cash loans from £80 to £750

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Consumer Advisory: Cash Call offers a loan matching service. Our website submits data you supply to lenders. Once a loan is approved, a direct lender could need more information from you which will be collected after we transfer you to their website. They may want to contact you via phone.

Cash Call is not a direct lender. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to £750 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. If repayments are missed, lenders could use collection services.

Not everyone who applies will qualify for a loan. We do not engage in any direct consumer lending, we simply provide a FREE loan matching service.

Representative 1223.6% APR

Representative Example: 1223.6% APR variable. £100 borrowed over 30 days would equal total borrowing of £124.00. Actual Interest is 24%.

Note: the APR you pay may differ depending on the lender that accepts you.

Cash Call is a trading style of Atlantic Square Limited registered in England and Wales, company registration number SC182075. Atlantic Square is authorised and regulated by the Financial Conduct Authority, reference number 659330. Registered Office Address: Atlantic Square Limited, Homelea House, Quarriers Village, Bridge of Weir, Renfrewshire, PA11 3XS.

*Fund transfer times may vary based on the matched UK money lender, time of day applied and your bank.