Business Details
5 Years
experience
Emergency
services
Trusted Payday Loan Broker in the UK
Wageday Advance is a UK-based short-term credit brokerage established in 2021, specialising in small loans for any purpose. Our senior management team brings 15 years of sector experience, enabling us to differentiate ourselves through a customer-first approach. We prioritise transparency and fairness, operating a brokerage service that adheres to the Financial Conduct Authority's 'treating customers fairly' policy. Our platform facilitates instant connections between borrowers and direct lenders, offering loans from 100 to 5,000 with repayment terms of 1-36 months. We exclusively partner with responsible lenders who conduct affordability assessments and avoid hidden fees.Our digital-first model ensures rapid application processing, with decisions typically delivered within two minutes. As an FCA-authorised entity, we maintain rigorous compliance standards while providing educational resources about loan risks and benefits. We serve all UK regions, including England, Wales, Scotland, and Northern Ireland, with plans to open a London office. Our commitment extends beyond transactional services, focusing on long-term customer support and financial literacy. We actively collaborate with debt advice organisations to assist clients facing financial difficulties.
Services
Payday Loans
Bad Credit Loans
Quick Loans
Same Day Loans
Online Loans
Small Loans
Short Term Loans
Details
- Year established: 2021
Highlights and features
- FCA-authorised and regulated for consumer protection
- Senior team with 15 years' sector experience
- Instant loan decisions within 2 minutes
- 24/7 online service availability
- No hidden fees or charges
Associations and certifications
- Financial Conduct Authority
What people say
Instant decisions
No hidden fees
Easy application
Responsible lending
24/7 access
Services
Payday Loans
We provide payday loans from 100 to 5,000 for UK residents facing temporary financial gaps. Our FCA-regulated lenders assess affordability before offering repayment terms of 1-36 months. Funds are typically transferred the same day upon approval, with clear disclosure of interest rates ranging from 48.1% to 1721% APR.
Bad Credit Loans
Designed for borrowers with poor credit histories, these loans connect applicants with lenders specialising in adverse credit scenarios. We perform soft credit checks that don't affect scores, while our partners consider multiple factors beyond credit ratings. Loan amounts up to 5,000 are available with transparent repayment schedules.
Same Day Loans
Our expedited service matches qualified applicants with lenders capable of same-day fund transfers. The automated system processes applications in under two minutes, with approved borrowers receiving funds before midnight if approved before 3pm. Terms and conditions apply to ensure responsible lending.
Online Loans
Access our full range of loan products through our secure online platform, available 24/7. The user-friendly application requires basic personal and financial information, with instant decisions delivered directly to your device. No paper documentation or in-person visits are required for most loan types.
Small Loans
For smaller financial needs, we offer loans starting at 100 with flexible repayment options. These short-term solutions suit unexpected expenses like car repairs or medical bills. Our lenders conduct thorough affordability assessments to ensure repayments align with borrowers' financial capabilities.
People
Chojin Ltd Management Team
Senior Management
Our leadership team combines 15 years of financial services experience with innovative digital lending expertise. They oversee all operations to ensure compliance with FCA regulations while maintaining customer-centric service standards.
Questions
Are you a direct lender?
No, we're a credit broker connecting borrowers with FCA-regulated lenders. We don't issue loans directly but help you find suitable lending partners.
How quickly do I receive funds?
Approved borrowers may receive funds the same day, though processing times vary by lender. Some transfers complete within minutes of approval.
Do you perform credit checks?
We conduct soft credit searches that don't affect your score. Lenders may perform full checks before final approval, with your explicit consent.
What loan amounts are available?
We offer loans from £100 to £5,000, with exact amounts depending on lender criteria and your financial circumstances.
Can I apply with bad credit?
Yes, we specialise in connecting borrowers with adverse credit histories to lenders who consider multiple factors beyond credit scores.
Is my data secure?
We use industry-standard encryption and comply with Data Protection Act regulations to safeguard your personal and financial information.
Reviews (5)
Argy Sabh
Dec 28, 2018
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Great company.
Has helped me when in urgent funds and interest very acceptable. Would recommend to all.
Has helped me when in urgent funds and interest very acceptable. Would recommend to all.
Laura M.
Dec 19, 2018
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Absolute waste of time they tell you you've been accepted they call you for more info also tell you youve been accepted for them to then send you an email next morning stating youve been declined. I would avoid at all costs as they then stick it on your credit file youve been declined by them!!!!
Adam Gorny
Dec 05, 2018
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This is a great lender that I use because the interest rates are very affordable and the customer service is outstanding. I would recommend WDA to anyone.
Stuart Swinnerton
Sep 06, 2018
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Nice friendley staff on the other side of phone very polite , very helpfully
1 disappointment would like longer than 30 days to pay back to spread the repayment cost, only people come to these loans is to help them out but struggle in the short time to pay back. Other than that would recommend this payday loan company has never have any hassle in help
1 disappointment would like longer than 30 days to pay back to spread the repayment cost, only people come to these loans is to help them out but struggle in the short time to pay back. Other than that would recommend this payday loan company has never have any hassle in help
Matt Walters
Nov 17, 2017
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I have used this company on several ocaisions and have found them responsible lenders who are helpful and there when u need them a completely painless experience.
