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Dosh Payday Loans Advantage

Payday Overdraft Loans is helping hard-working Britons across the UK find a fast and convenient solution to immediate cash loan needs from the privacy and convenience of their home. Our payday loans in one hour, are hassle-free solution to household bills, emergency expenses or short term loan needs. We charge a flat rate fee for our emergency payday loan. Check our low fee cheap rate for a payday loan now. Apply for our Payday Loan today to benefit from our industry-leading flexible loan services.:

Payday Overdraft provides quick loans of between £50 and £1500 by fast bank transfer
Apply before 3pm for payment today - apply after 3pm to get your cash tomorrow
Our system is simple, safe, and secure and as long as you are employed and have a UK bank account, you can borrow up to £1500
Our online form is quick and easy to complete and gives you a decision moments after you have submitted your application
You can apply 24 hours a day, 7 days per week.

Our Charges

Our Payday Loan Charges

At Wage Payment and Payday Loans, we like to keep life simple. We charge a flat rate for your quick loan and emergency payday loan so you always know how much you have to repay. Unlike some of our competitors, there are no hidden extras. What you see is what you pay.

It is possible to get a discounted rate with Wage Payment and Payday Loans and pay less than our published charges. To qualify, you must be a regular customer with a good history of repaid loans with Wage Payment and Payday Loans

We charge £12.50 for every £50 borrowed until your next pay period (based on a 30 day pay period)

There is a small admin fee of £10.00 which is payable once with every loan.

Remember: Other loan providers may include this fee in their charges and charge you interest for it.

We believe that you should know what you will be charged and how its distributed.

Always compare the final loan amount as this will give you a better comparison

Loan Amount	Interest and Charges	Total Finance Charge	Total to Repay
£50	£12.50 + £10.00	£22.50	£72.50
£100	£25.00 + £10.00	£35.00	£135.00
£150	£37.50 + £10.00	£47.50	£197.50
£200	£50.00 + £10.00	£60.00	£260.00
£250	£62.50 + £10.00	£72.50	£322.50
£300	£75.00 + £10.00	£85.00	£385.00
£350	£87.50 + £10.00	£97.50	£447.50
£400	£100 + £10.00	£110.00	£510.00
£450	£112.50 + £10.00	£122.50	£572.50
£500	£125.00+ £10.00	£135.00	£635.00
£550	£137.50 + £10.00	£147.50	£697.50
£600	£150.00 + £10.00	£160.00	£760.00
£650	£162.50 + £10.00	£172.50	£822.50
£700	£175.00 + £10.00	£185.00	£885.00
£750	£187.50 + £10.00	£197.50	£947.50

Typical APR 1360%

Charges Table

Charges
£10.00 arrangment fee	Court after 60 days after 1^st day of default.
25% Interest rate first month	1.3% default fee per day
39% Roll over interest rate
£15-£25 Faster payment fee: £15 up to £150 £20 up to £250 £25 above £250	Minimium repayment plan 60 days interest. Charge for repayment plan £15.00 to set it up.
£8.00 default fee. We will send you a Paypal invoice when the loan is due for payment.	Paypal charge of 4%
£25 for 1 day late, £25 for 31 days (per month) demanding repayment if not repaid.	Bank full repayment fee 0%, unless payment plan 2%.

General Charge

Listed finance charges include any applicable taxes and bank delivery charges.
We keep the right to change the finance charges without any notice. This will not affect your current Loan agreement with us. Any changes made to our General Charges would be updated on our website.
The finance charge that applies to you will be set out in your loan agreement and will apply for the term of your loan agreement.
The loan payment can be made by Faster Payment or BACS. Faster Payment service incurs a charge of £15 to £25 which is deducted from your loan amount and you will receive your money in the same day. BACS option is free and you will receive your money in 3 - 4 working days.

Loan Extension

If you cannot pay your loan in full by the agreed date you will have an opportunity to extend your account.
You may do so by paying all the charges and interest accrued as a result of your loan.
By doing so, you may extend your loan agreement for the same length as your previous loan or choose to extend it to 30 days. New charges would apply.
A new loan agreement will have to be signed based on interest rate which is 39%.
The charges will therefore be £19.50 for every £50 you borrowed.

Default Charges

If you default and Wage Payday and Payday Loans Ltd offer you a repayment plan, interest at a minimum will include 60 days interest in default and then have the option of being frozen after this 60 days. This is on the basis that the agreement is made before 60 days in default. Also any break in the repayment will re add all the past interest that would have been charged if in continued default.

ie Winnie borrows 100. After one month @ 25% plus admin fee of £10 she owes £135.00. She fails to pay and then has a default rate of 1.3% per day. On default there is an £8 no collect fee. Plus a £25.00 letter chasing fee. She now owes £170 plus interest of £1.75 per day(1.3% on £135). We agree a repayment plan on default day 45, interest is calculated 60 x £1.75=£100.53 and the interest and charges are frozen.
There is a £10.00 fee for the plan.
There has been another £25.00 default letter issued after 30 days so now the outstanding is £135+£100.53+£50+£10+£8=£303.53. The plan she agrees to is £30 per month= 9 months at £30 and one month at £303.53.

However, Winnie after 3 months breaks the contract and stops paying. She now has all the interest brought up to date as if the deal had not been there and now owes £303.53 less 1st month payment £273.53 plus interest at 1.3% per day (default interest on original end of month £135 plus interest to 60 days.

Customer Service

Customer Services & Contact Information

Sexypayday is the UK's leading solution provider for payday loans and instant cash. We utilise the largest panel of lenders to offer you fast and hassle free payday loans. A payday loan can help you solve temporary cash flow problems in your bank account and avoid costly overdraft and bounced-cheque fees. The loans can be used for any reason you may have. Applicants must be UK residents and over 18 years old & employed

Our infrastructure is supported by all of the longest established payday loan companies in the UK as well as some of the newer companies. We have strong relationships with all lenders and consider them partners in providing you with instant cash.

Our website is up 24 hours a day 7 days a week! Many of our lenders operate 7 days a week and can deposit funds in your account even at the weekend.

For fastest customer service, please email customers@sexypayday.co.uk.

We aim to answer all enquires within 3hrs of receipt.

Sexypayday is a trading name of Sexypayday Payments and Payday Loans Ltd. Our consumer credit license number is 0633083.

Postal Address: 8 Queens Avenue, London, N10 3NR

Email:customers@sexypayday.co.uk

Privacy Policy

Sexypayday and Wage Payment and Payday Loans Ltd are committed to Responsible lending

We recognize the importance of protecting your privacy and our policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our site. This policy will be continuously assessed against new technologies, business practices and our customers' needs.

Fraud Prevention: If false or inaccurate information is provided, including in relation to a person's identity and fraud is identified, details about this information, including customer Personal Data, will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when: checking details on applications for credit and credit related and other facilities; managing credit and credit related accounts or other facilities; recovering debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees. For further details of the relevant fraud prevention agencies please contact us as described at the end of this Privacy Policy.

What Information Do We Collect?

When you visit this web site you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse our Web site.

1. Personal Information You Choose to Provide

2. Registration Information

When you register for any of our products, services or newsletters you will provide us information about yourself.

3. Email Information

If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.

4. Web Site Use Information

Similar to other commercial Web sites, our Web site utilizes a standard technology called "cookies" (see explanation below, "What Are Cookies?") and web server log files to collect information about how our Web site is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Web site, and the Web sites visited just before and just after our Web site

How Do We Use the Information That You Provide to Us?

Broadly speaking, we use personal information for purposes of administering our business activities, providing the products and services you requested, to process your payment, , to monitor the use of the service, our marketing and promotional efforts and improve our content and service offerings, and customize our site's content, layout, services and for other lawful purposes. These uses improve our site and better tailor it to meet your needs.

Furthermore, such information may be shared with others on an aggregate basis. Personally identifiable information or business information will not be shared with parties except as required by law. Occasionally, we may also use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by emailing us at the link provided on the newsletter.

Sharing and Selling Information

We do not share, sell, lend or lease any of the personal or financial information that you choose to provide us (such as personal details or bank information) with anyone except to the extent it is necessary to process transactions or provide services that you have requested. We may use statistical and email information for making lending decisions and servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both Sexypayday Payments and Payday Loans Ltd and those of selected third parties, to evaluate the effectiveness of our marketing of the Website and for statistical analysis.

How Can You Access and Correct Your Information?

You may request access to all your personally identifiable information that we collect online and maintain in our database by emailing us at the usual address.

What About Legally Compelled Disclosure of Information?

We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights. We may also disclose account information when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Service or to protect the safety of our users and the Public.

What About Other Web Sites Linked to Our Web Site?

We are not responsible for the practices employed by Web sites linked to or from our Web site or the information or content contained therein. Often links to other Web sites are provided solely as pointers to information on topics that may be useful to the users of our Web site. Please remember that when you use a link to go from our Website to another web site, our Privacy Policy is no longer in effect. Your browsing and interaction on any other web site, including web sites, which have a link on our Website, is subject to that Web site's own rules and policies. Please read over those rules and policies before proceeding.

Your Consent

By using our Web site you consent to our collection and use of your personal information as described in this Privacy Policy. We reserve the right to amend this privacy policy at any time with or without notice.

Our Commitment to Data Security

Please note that your information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your Country of residence or citizenship. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

Choice/Opt-In/Opt-Out

This site allows visitors to unsubscribe so that they will not receive future messages. After unsubscribing we will discontinue sending the particular messages as soon as technically feasible.

Surveys & Contests

From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

A Special Note About Children

Children are not eligible to use our services unsupervised and we ask that children (under the age of 14) do not submit any personal information to us. If you are a minor, you can use this service only in conjunction with permission and guidance from your parents or guardians.

Acquisition or Changes in Ownership

In the event that the web site (or a substantial portion of its assets) is acquired, your information would be considered part of those assets, and may be part of those assets that are transferred.

Policy Modifications

We may change this Privacy Policy from time to time. If/when changes are made to this privacy policy, we will email users who have given us permission to do so. We will post any changes here, so be sure to check back periodically. However, please be assured that if the Privacy Policy changes in the future, we will not use the personal information you have submitted to us under this Privacy Policy in a manner that is materially inconsistent with this Privacy Policy, without your prior consent.

Terms & Conditions

The Website

• The web site (www.sexypayday.co.uk) is operated by Wage Payments and Payday Loans Ltd (registered number 07080688) whose registered address is 8 Queens Avenue, London, N10 3NR ("ELL" "we", "us", "our").

• Please read the details set out below carefully before using this Website. By accessing this Website, you agree to be bound by the following terms and conditions and disclaimers (the "Terms").

• All our products and services are subject to the terms and conditions and disclaimers of the applicable agreement governing their use.

• The Terms and Conditions of the lender that accepts the application may be different from those advertised on www.sexypayday.co.uk – we only display typical information.

• The fact that someone, after completing an application, is transferred to a particular lender DOES NOT constitute endorsement of that lender/broker, DOES NOT constitutes a recommendation, and we provide our service on a NON-ADVISED basis. We direct your application to the lender based on the client's answers to some questions, giving applicants information about a specific payday loan lender/broker so that applicants can make their own choices.

• The Site may contain links to sites maintained by third parties. Sexypayday Payments and Payday Loans Ltd is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.

• Please note that other web sites and web pages linked to the Site may be governed by separate terms and conditions, including privacy policies. Please refer to the applicable terms and conditions of those web sites and web pages when visiting them.

No offer

• Neither the information, nor any opinion contained in our Website constitutes an offer to sell or solicitation or an offer to buy any financial instruments or any advice or recommendation with respect to such financial instruments.

Users

• You are wholly responsible for the use of the Website by any person using your computer and you must ensure that any such person complies with these Terms.

• The Website is currently intended for those who access it from within the United Kingdom and who are 18's and over. Because of this we cannot guarantee that the Website or the information thereon complies with or is appropriate for use in other places.

• To register with us you must be over eighteen (18) years of age. You must ensure that the details provided by you on registration or at any time are correct and complete. You must inform us immediately of any changes to the information that you provided when registering by updating your personal details.

• You will not knowingly transmit any virus or other harmful matter to the Website. You may not use any device, software or routine to interfere or attempt to interfere with the proper working of the Website nor may you attempt to decipher, de-compile, disassemble or reverse engineer any of the software comprising or in any way making up the Website or any part of it.

Disclaimers and Limitation of Liability

• Whilst we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Website, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Website and the materials contained in it are entirely at your own risk. We shall not be liable for any losses or damages, whether direct or indirect, consequential or otherwise that you may suffer as a result of your use of the Website, including but not limited to computer service or system failure, access delays or interruption, data non-delivery or miss-delivery, computer viruses or other harmful components, breaches of security or unauthorized use of the system arising from "hacking" or otherwise or your reliance on the information contained on the Website.

• We do not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

• We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Website.

• Nothing in these Terms or in the pages of the Website shall limit our liability for death or personal injury arising out of our negligence, or for fraud, or for any other liability, which cannot be excluded or limited under applicable law.

• The information, material and content provided in the pages of the Website may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. Any revised term shall take effect as at the date when the change is made to the Website. You agree to review the Terms regularly and your continued access to or use of the Website will mean that you agree to any changes.

Third party Websites

• Links contained in the Website might lead to other websites not under our control, and we accept no liability for the content or availability of any linked site which is not operated by us or any link contained in a linked site not operated by us. Links on the Website are provided to you only as a convenience and the inclusion of any link does not imply reliability and we do not necessarily endorse any pages linked to the Website. Accordingly, you should read the terms and conditions of those websites before using them and direct any questions or comments about the linked website's contents to the relevant website provider.

• You are not entitled (nor will you assist others) to set up links from your own websites to the Website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion. You are also not entitled to direct link (also known as "Hot Link") any images or content without our prior written authorization.

Internet e-mail

• Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for any message lost, intercepted or altered by third parties and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

• The Website makes use of cookies. Cookies are files that identify your computer to our server. Cookies in themselves do not identify the individual user,just the computer used. Many sites do this whenever a user visits their site in order to track traffic flows. Cookies themselves only record those areas of the site that have been visited by the computer and for how long. You may prevent the use of cookies by configuring your web browser accordingly, but please note that this may hinder some of the Website functionality.

Trademarks and copyright

• All copyright, trademarks and all other intellectual property rights in the Website and its content (including without limitation the pages screens, information and material) included in the Website and all software and source codes connected with the Website is owned by or licensed to Wage Payment and Payday Loans Ltd unless otherwise noted.

• Our logos and all brands and products referred to or detailed in the Website are the trademarks of, or licensed to, Wage Payment and Payday Loans Ltd. No rights are granted in respect of any of the above trademarks. If you are in doubt whether an item is our trademark or that of any Wage Payment and Payday Loans Ltd business, please contact us for clarification.

• You may imprint, copy, download or temporarily store extracts from our Website for your personal information or when you use our products and services. You may not republish, retransmit, redistribute or otherwise make such information or pages available to any other party or available on any website, on-line service or bulletin board of your own or of any other party or make the same available in hard copy or on any other media without our express prior written consent.

Data protection

• We may also sell your data (or otherwise pass it on) to selected third parties who may use it to contact you by post, telephone, email, SMS or other reasonable method in relation to offers they feel might interest you, whether or not we enter into an agreement with you. In addition, we may disclose your personal information to a third party:

• In the event we sell or buy any business or assets (in which case we may disclose your personal data to the prospective seller or buyer of such a business or assets)

• If our business or substantially all of its assets are acquired by a third party (in which case personal data held about customers will be one of the transferred assets)

• If we have a duty to disclose your personal data in order to comply with a legal request, or in order to enforce any of our terms and conditions

• Because we work with some carefully selected partners outside of the UK - in order to offer you our loans service - we may also need to transfer your personal information abroad, to countries whose data protection laws are less strict than in the UK. If and whenever this is the case, we will ensure the information is held securely to standards as least as good as those in the UK and is only used for the purposes set out in this policy.

• Under the Data Protection Act 1998, you have a right to access certain personal records we, credit reference agencies and fraud prevention agencies hold about you. This is called a 'subject access request', which you can make by writing to customers@Sexypayday.co.uk. A fee may be payable, but we will not charge you until we have told you how much the fee is and what it is for, and you have told us you still want to proceed.