Frequently Asked Questions

Got a burning question about short-term loans? You're not the only one! Find all the answers here.

Getting started

Am I eligible to apply?

We welcome all credit histories but we do have basic criteria that you need to meet.

To apply you must:
Be at least 18 years old.
Be a UK resident.
Have a regular source of income.
What information do I need to apply?
You'll need to provide the following information:
Address, employment and bank details.
Details of your regular income and outgoings.
You'll also need:
A bank account with a debit card.
A valid email address and mobile number.

Your employment details will be used for verification purposes only—your employer will not be contacted.

What counts as regular source of income?
Your income must come from on of these:
Full-time, part-time or temporary work
Disability benefits
Other regular benefits
Can I apply after working hours and at weekends?
You can apply with us any time or day. Many of our lenders operate extended working hours and weekends, so the short answer is: yes. However, we always recommend that you apply during normal working hours if possible (Mon–Fri, 9am–5pm) to ensure the best outcome. If you apply out of hours and your application is accepted by a lender who cannot finalise your agreement straightaway, funding will usually happen the next working day, subject to final approval.
Can I apply over the telephone?
We only accept online applications. If you're having problems applying online or have any worries about doing so, please get in touch and we'll do our best to find a solution.
How much can I borrow and for how long?
You can borrow between £100 and £3000 in multiples of £100 and choose a repayment term over 1 to 24 months. In the event that the exact amount and term aren't available to you, you may be offered an alternative option.

Be fraud smart: We DO NOT charge fees — we'll NEVER call, text or email you asking for upfront fees in return for a loan.

Guides and information

We've written some useful guides and posts about some of the most discussed payday topics. We tell it like it is and cover the important stuff you need to know in clear, simple term.

Get up to £3000 within an hour of approval

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Representative 1192% APR (variable)

Warning: If you do not make your minimum repayment by the agreed upon due date, you may incur additional charges and penalties. If you are having problems paying, please call your credit provider. For other sources of assistance, visit; call the Step Change Debt Charity on 0800 138 1111; or National Debtline on 0808 808 4000; or visit; or visit your local Citizens Advice Bureau. is operated by Amaze Media, a trading name of John O'Hara, 24 Buttercross Close, Burnley, BB11 5HB. Authorised and regulated by the Financial Conduct Authority, reference number 742221. Data Protection number Z3495700. Instant Lolly is a credit broker not a lender.

Subject to lenders approval. Time taken to transfer funds may vary depending on the lender and your bank. We do not work with all available lenders.