Payday loans give you money and peace of mind, just when you need it! More financial freedom – ranging from surprise weekends away to paying for a plumbing emergency just before pay day.

How do I get a payday loan?

Borrowing from Payday UK via Click Us 4 is simple and fast! We give instant online decisions, without the need for faxes or post. You are just a few minutes away from your payday loan!!

All you need to do is:

• Fill in our fast application form and press “Submit”
• Within a minute we will tell you if you have been approved*
• Once you’ve been approved, then enter your bank account details (so we can pay you) and debit card details (so you can repay us on your payday) and press “Submit”*
• Your loan agreement will be displayed online for you to sign
• We will transfer the funds the same working day. Please be aware that some banks do take a further 48 hours for the funds to clear.

*Occasionally we will be unable to confirm all details automatically. Should this be the case we will ask you to fax in simple documentation for us to be able to approve your loan.

Is a payday loan right for me?

With Payday Loans you can:

• Pay those 'Final Demand' bills
• Get the electrician to fix the TV without waiting until payday!
• Take your partner away for romantic weekends
• Have extra spending money for your holiday
• Pay your MOT – just in time!
• Do anything you wish, its your choice!

How much money can I borrow?

You can borrow from £80-750 depending on your circumstances.
To find out how much YOU can borrow complete our Fast Payday Loan Application Form Today!

We charge £25 per £100 borrowed – nothing more!
There are no administrative costs to set up the loan.

How do I repay my loan?

Repaying your payday loan could not be easier.

We simply debit the payment from your debit card on your payday for the agreed amount – no fuss and nothing further for you to do.

Can I defer my loan repayment?

We do understand that occasionally people will need to borrow money for a second month. We call this a deferral. You will have to repay the charges and we suggest you pay as much as possible to reduce further charges.

If you feel you may need to defer your loan, please contact our customer services team at info@clickus4.com and one of our dedicated advisers will be pleased to help you.

We charge £25 per £100 borrowed – nothing more!

There are no administrative costs to set up the loan.

• You Borrow
• £80
• £100
• £200
• £300
• £400
• £500
• £600
• £750

• You Repay*
• £100
• £125
• £250
• £375
• £500
• £625
• £750
• £937.50

*payable in a single payment on your payday

Typical 1286.1% APR (30 Day Loan)

I dont understand your APR?

APRs are a good way of comparing similar products but are not effective when comparing different products.
The following table demonstrates this:

• Type of Loan
• Installment
• Installment
• Payday Loan

• Amount
• £2000
• £2000
• £500

• Months
• 36
• 60
• 1

• Total Repayment
• £2973.96
• £3875.40
• £625

• APR
• 16.9%
• 16.9%
• 1355%

• Actual Interest
• 49%
• 94%
• 25%

As you can see the APR for the two installment loans are the same but the actual interest repaid as a percent of the loan is hugely different – and much lower with a payday loan.

You can also compare a payday loan against an unauthorised overdraft. Banks do not have to quote APRs for charges on unauthorised borrowing but the following example shows how the APR works for going just £5 over your overdraft limit and being charged just one £25 fee.

• Type of Loan
• Overdraft
• Payday Loan

• Amount
• £5
• £500

• Months
• 1
• 1

• Total Repayment
• £30
• £625

• APR
• 147359739444%
• 1355%

This is why we focus on telling you very clearly how much you repay in total rather than on the APR.