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Frequently Asked Questions

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General Questions

A small, short-term loan is an unsecured loan that is typically backed by a future source of income, often times a pay check. These loans should only be used when truly needed, such as in emergency financial situations. They are not a solution to long-term debt problems.
A small, short-term loan should only be used when truly needed, such as in emergency financial situations. They are not a solution to long-term debt problems. Be sure you understand the risks of small, short-term loans, and please borrow responsibly. If you are facing long-term financial difficulty, please consider credit counseling, education, or other debt-management assistance, such as nonprofit financial counseling services in your community.
Pixieloans.co.uk is not a lender and does not make credit decisions. It aims to connects interested consumers with independent, licensed third party lenders or brokers (collectively, “Financial Service Provider(s)”) based on the information provided. Begin by completing our online form. Once submitted, Pixieloans.co.uk will try to connect you with an interested third party Financial Provider. Pixieloans.co.uk will not itself charge you a fee but third Party Financial Service Providers may charge you a fee. Every third party Financial Provider has their own terms and conditions for small, short-term loans (i.e., fees, repayment terms, renewal policies, APRs, etc.), and each makes approval decisions separately. If matched with a third party Financial Provider, be sure to fully understand the Financial Provider’s terms and conditions before agreeing to them. If you do not understand or agree to the Financial Provider’s terms and conditions, you may refuse the loan offer. If you have any questions or concerns about your small, short-term loan, you should contact your Financial Provider directly.
Pixieloans.co.uk is not a lender—it does not make small, short-term loans or credit decisions. Pixieloans.co.uk simply connects interested consumers with independent, licensed third party Financial Service Providers. These Financial Service Providers have their own minimum requirements which must be met to be approved for a small, short-term loan, and one independent lender’s minimum requirements may differ from another’s. Such minimum requirements typically include, but may not be limited to: 18 years of age or older A resident of the United Kingdom Valid checking or savings account Regular income of at least £500.00 per month.
We do not charge you any fees to use Pixieloans.co.uk. If you are matched with a participating Financial Provider, you may be charged fees directly by the participating Financial Provider in order to proceed with the loan arrangement. Please be sure to read the Financial Provider’s terms and conditions before agreeing to proceed.
Typically, the amount that could be borrowed with a small, short-term loan ranges between £100 and £3,000. Please note, however, not all lenders offer up to £3,000, and the amount offered by an interested lender may differ from the amount sought. How much you qualify for depends on numerous factors including your lender, income, and employment.
Money transfer times may vary depending on the lender and your individual financial institution. An independent third party lender may transfer an approved small, short-term loan to your bank account in as early as the next business day but could take 2-3 business days for the loan to be funded.
You must provide certain personal, employment, and banking information to be matched with prospective independent third party lenders. Such information includes, without limitation, name, address, telephone number, email address, bank account information, and employment information. The information you provide must be accurate. Once submitted, independent Financial Service Providers may perform a credit check or otherwise verify your information.
Pixieloans.co.uk respects your privacy. Accordingly, a variety of security measures are employed to maintain the integrity of your private information. All sensitive data transmitted between your browser and Pixieloans.co.uk uses 128 bit Secure Socket Layer (SSL) encryption technology. Your use of our services is strictly voluntary and is governed by our Terms & Conditions of Use and Privacy Policy.
Independent Financial Service Providers may perform a credit check or otherwise verify your information. Each independent Financial Service Providers makes approval decisions separately. Pixieloans.co.uk does not play a role in the credit decision process.
Pixieloans.co.uk is not a lender. Each independent third party Financial Service Providers has their own terms and conditions for small, short-term loans, including those concerning repayment. Only your lender can provide you with information about your specific loan term. You should contact your lender directly with any questions, comments, or concerns.
If you cannot repay your small, short-term loan according to its terms, your lender may: Charge you late fees Send your account to a collection agency Offer to renew, extend or refinance your loan (which may cause you to incur additional fees, charges and interest) Pixieloans.co.uk is not a lender. Only your lender can provide you with information about your specific loan terms and the implications of non-payment of your loan. Ask your lender about its policies for non-payment.

Representative 225% APR. Representative example: £400 repaid over 3 monthly instalments of £186.18. Total charge for credit £558.55. Interest £158.55. Interest rate 255% (fixed) APR rates range from 45.3% APR to 1575% Max APR. Your APR rate will be based on your circumstances.

Pixieloans.co.uk is a trading style of Maxed Up Media Ltd. Company registered address: Maxed Up Media Ltd, Adamson House, Towers Business Park, Wilmslow Road, MANCHESTER, M20 2YY. (Company number 07162006). Maxed Up Media is an appointed representative of Serpable Ltd and regulated by the Financial Conduct Authority under reference 848096. (Serpable Ltd is authorised and regulated by the Financial Conduct Authority under reference number 799104)

* Loans can be paid into your bank account in less than one hour if the lender that has offered you a loan provides this service. In some instances, it can take up to 5 working days for a loan to be in your bank account. The lender will inform you when to expect the funds into your bank account.

† FREE TRIAL : UKCreditRatings offer a 14-day trial to their service. If you choose not to cancel within the trial period, you will incur the monthly subscription fee of £19.95 until you cancel the account.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Credit is available to 18 years and over. All loans are subject to status. A short-term, payday loan should be used for short-term financial needs only, not as a long-term financial solution. Never borrow an amount that cannot be repaid on your next pay period date. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future.

The operator of this website is not a lender or short term loan provider and does not make loan or credit decisions. We are a credit broker, providing loan matching services and help connect consumers interested in obtaining short-term payday loans, installment loans, guarantor loans and secured loans in amounts between £100 and £5,000 with participating lenders or brokers in our network.

We do not charge you any fees to use our websites, services or products. Any commission received by us is paid by participating lenders or brokers if you choose one of their products or for referring you to them.

If you are matched with a participating lender or broker, you may be charged a fee directly by the participating lender or broker. Please be sure to read their terms and conditions before proceeding with any loan arrangement.

We work exclusively with a selected group of lenders and brokers to offer you a range of credit and loan products. We may receive a percentage of the loan amount as a commission from a loan provider or broker if you take out one of their products and/or we may receive a fee for introducing you to them.

You can request details of these commissions or fees, by emailing us. We will then provide you with the precise amount of the commission or fee or, where that amount is not known, the likely amount. Please note that the lender or broker we direct you to may not offer the cheapest loan that is available to meet your needs.

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