Wage Day Advance
Summary
Good:
Can repay by direct debit so helpful for those who don't have a debit card
Bad:
Same day loan transfer will cost you an extra £15
Verdict:
A reasonably priced payday lender yet extra charges can mount up really quickly if you do not repay the loan on time - only take this loan out if you really need the money and have no other option
Wage Day Advance offer a way to get funds for a financial emergency or if you just need some more cash before your next pay day. Only consider this company if you need a short-term loan as the interest rate is considerably high. They charge £29.50 for every £100 you borrow which is one of the cheaper payday lenders on the market.
You can apply online, or over the phone. To apply online, you need to complete the application form on the website. Once you have completed the application form, they will give you a preliminary decision. They don't run any credit checks on you, which is unusual for a lender. Once you've completed their application form, you'll be transferred to sign their online agreement and you'll receive a PIN via text so you can do so. Just in case you're not ready complete your application, they'll also send you an email so you can do this at a later time. After you have done this, they will finalise the application and transfer the money into your account.
Only take out this loan if you are certain you can pay it back on your next pay day - or the date they agreed with you. If you miss payments or make late payments, large extra charges can be added onto your loan. You have the option to defer your payment until your next payday. If you do this, please note that you are still going to have to pay the interest for that month and this means you will pay more over the term of the loan. Get your loan approved by 6pm and they can transfer the money into your account the same day (except for Sundays), which makes it one of the quickest payouts for similar lenders. One of the good points about this lender, is that there are no early settlement fees.
How much will it cost to repay a Wage Day Advance?
750
80
35
10
2814.2
5
1
days
200
20
2
0.25
f
0
Loan Calculator
Loan Amount £
Loan Term days
Total To Repay
£
Total Cost
£
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Customer Reviews (24)
"stay away"
ian johnston , belfast
got in debt with few payday loans others helped me this company just added 50 pound per month interest and would not take any sort of pay plan worst loan company out there stay clear
got in debt with few payday loans others helped me this company just added 50 pound per month interest and would not take any sort of pay plan worst loan company out there stay clear
"Not going to use"
J , Glasgow
Had a look into this company online at the weekend. Never agreed to anything but have now had 4 missed calls, 4 texts and 4 voicemails in the last few hours while I am at work. Will NOT be doing business with them!
Had a look into this company online at the weekend. Never agreed to anything but have now had 4 missed calls, 4 texts and 4 voicemails in the last few hours while I am at work. Will NOT be doing business with them!
"Total joke... Rude and obnoxious staff"
Lizi , Leeds
Took money out of my account twice, refused to acknowledge it. Had to prove this via bank statements rather than them checking there banking. Rude phone operators with no customer service. My advice stay WELL AWAY!!!!!
Took money out of my account twice, refused to acknowledge it. Had to prove this via bank statements rather than them checking there banking. Rude phone operators with no customer service. My advice stay WELL AWAY!!!!!
"Great!"
Kayleigh , merseyside
i would defenitly use this service again, I receive the money within an hour :) and feel great to no I have money to do me till my pay day with yet such low intreats I think the banks charge more x
i would defenitly use this service again, I receive the money within an hour :) and feel great to no I have money to do me till my pay day with yet such low intreats I think the banks charge more x
"Before it's even here"
kay , liverpool
i confirmed my loan application today for the obvious reason I have no money till my pay day and while waiting for the money to come through I thought I would check my balance to see it was minus, they had ran a check which cost me £26 so when the loan does go into my bank it is going to pay that back!! But yet still charge me the interest on the overdraft aswell as on the loan!! NEVER AGAIN!!
i confirmed my loan application today for the obvious reason I have no money till my pay day and while waiting for the money to come through I thought I would check my balance to see it was minus, they had ran a check which cost me £26 so when the loan does go into my bank it is going to pay that back!! But yet still charge me the interest on the overdraft aswell as on the loan!! NEVER AGAIN!!
"They don't like you to repay your loan early"
V.S. , Leicester
I thought paying a loan off early is commendable and preferential to not being able to repay. This is not the case with Wageday Advance who will sanction you if you pay your loan back before its due date. You will have difficulty getting a re-loan in future and they will ask you for bank statements.
I thought paying a loan off early is commendable and preferential to not being able to repay. This is not the case with Wageday Advance who will sanction you if you pay your loan back before its due date. You will have difficulty getting a re-loan in future and they will ask you for bank statements.
"Phishing Scam Company"
A Nonny Mouse , Prefer Not To Say
Three of my colleagues have been contacted by this company who claim that someone is trying to take out a loan in their names, and asking for them to verify their details. None of these colleagues have been near this or any other short-term cash advance company. If this is not the very definition of phishing, I don't know what is! As others have said - thieves, scum bags, loan sharks. Whatever you want to call them, stay well away!
Three of my colleagues have been contacted by this company who claim that someone is trying to take out a loan in their names, and asking for them to verify their details. None of these colleagues have been near this or any other short-term cash advance company. If this is not the very definition of phishing, I don't know what is! As others have said - thieves, scum bags, loan sharks. Whatever you want to call them, stay well away!
"they keep going into my bank account"
dawn , birmingham
wage day keep taking money out ove my account even though i cancealed their direct debit now their takeing money out when ever they can by credit card any one got any advise for me plz
wage day keep taking money out ove my account even though i cancealed their direct debit now their takeing money out when ever they can by credit card any one got any advise for me plz
"Do What they say"
Isabella , Northamptonshire
Never had a problem with wageday advance. Applied and got the money. Did carry the loan over for three months before I paid it back, but would say that their terms are as good as some other more well known payday loan companies and better than most others.
Never had a problem with wageday advance. Applied and got the money. Did carry the loan over for three months before I paid it back, but would say that their terms are as good as some other more well known payday loan companies and better than most others.
"Good fast service"
Peter , London
I was turned down by a few other lenders although i did have an outstanding loan with another company but no one would give me a loan. Wagedayadvance lent me £185 after about 45 mins which i could easily afford and have borrowed of them a couple of times since. All in all I think the service was good and the price not to bad - couldnt get it anywhere else. Thanks
I was turned down by a few other lenders although i did have an outstanding loan with another company but no one would give me a loan. Wagedayadvance lent me £185 after about 45 mins which i could easily afford and have borrowed of them a couple of times since. All in all I think the service was good and the price not to bad - couldnt get it anywhere else. Thanks
"Incompetent Bully Boys"
John , Solihull
If you think those reviews are bad try this one, I received a letter from 'WDA.co' headed RE; COUNTY COURT JUDGEMENT, demanding payment of £174.50. They also stated that several letters had been sent to me giving an opportunity for payment and were now threatening legal action. Now all of this is possibly normal if you have taken out a loan, BUT wait a minute I have never had a loan and certainly not from a sneaky bunch of T***s like 'WDA.co' . So what I want to know is how they managed to attach a fictitious account to my address, so I decided to phone them only to be told ' WE WILL NOT DISSCUS THIS MATTER WITH YOU' and that I should not have opened the letter,strange when you consider this is my house where I live alone . Well thats it and if you were considering a loan with these bloodsuckers I would think again.
If you think those reviews are bad try this one, I received a letter from 'WDA.co' headed RE; COUNTY COURT JUDGEMENT, demanding payment of £174.50. They also stated that several letters had been sent to me giving an opportunity for payment and were now threatening legal action. Now all of this is possibly normal if you have taken out a loan, BUT wait a minute I have never had a loan and certainly not from a sneaky bunch of T***s like 'WDA.co' . So what I want to know is how they managed to attach a fictitious account to my address, so I decided to phone them only to be told ' WE WILL NOT DISSCUS THIS MATTER WITH YOU' and that I should not have opened the letter,strange when you consider this is my house where I live alone . Well thats it and if you were considering a loan with these bloodsuckers I would think again.
"this lot make the rules up as they go along,thieving b++++++s"
loobyloo , Norwich
i cancelled my direct debit to these scumbags because i knew i was going to pay in full on payday,they took the full amount which was fine but they charged me an extra £36 because i cancelled my direct debit.When i queried this they said they charge £12.00 for cancelled dd,so i asked why they had charged £36.00 ,they said they had taken the payment in 3 amounts so they could charge me 3 cancellation fees!!!!!! (the payment had been taken out of my bank as 1 payment NOT 3 so should have been charged once NOT 3 TIMES.)They will not refund what they owe me(£24.00) so am now in the process of reporting them to the relevant bodies.Keep away from these, they literally steal from your bank account!!!!
i cancelled my direct debit to these scumbags because i knew i was going to pay in full on payday,they took the full amount which was fine but they charged me an extra £36 because i cancelled my direct debit.When i queried this they said they charge £12.00 for cancelled dd,so i asked why they had charged £36.00 ,they said they had taken the payment in 3 amounts so they could charge me 3 cancellation fees!!!!!! (the payment had been taken out of my bank as 1 payment NOT 3 so should have been charged once NOT 3 TIMES.)They will not refund what they owe me(£24.00) so am now in the process of reporting them to the relevant bodies.Keep away from these, they literally steal from your bank account!!!!
"All money lenders are the same"
Michael , Cheltenham
Anyone who borrows from lenders with exhorbitant interest rates knows they are dealing with loan sharks. Dont expect them to act like social workers. Very few companies these days are efficient. So expect some glitches. I use WageDay and have used others such as Provident and Shopacheck..They are all similar. They take a risk lending to poor credit rated and often desperate customers but usually stick within the law when it comes to persuing late or non payment. I worked for one of them for a very short time and saw both sides//people living in squalor but borrowing to buy the latest TV then hiding when the collector came round, and loan companies losing a cheque payment then accusing the poor lender of not paying and threatening bailiffs. Wage Day took the full amount on occassion despite my asking for a deferral but then again the High Street banks have ripped me off for thousands.
Anyone who borrows from lenders with exhorbitant interest rates knows they are dealing with loan sharks. Dont expect them to act like social workers. Very few companies these days are efficient. So expect some glitches. I use WageDay and have used others such as Provident and Shopacheck..They are all similar. They take a risk lending to poor credit rated and often desperate customers but usually stick within the law when it comes to persuing late or non payment. I worked for one of them for a very short time and saw both sides//people living in squalor but borrowing to buy the latest TV then hiding when the collector came round, and loan companies losing a cheque payment then accusing the poor lender of not paying and threatening bailiffs. Wage Day took the full amount on occassion despite my asking for a deferral but then again the High Street banks have ripped me off for thousands.
"theives"
steph , Hull
got a loan. great! really quick into my account. paid it back the next month. then 2 months later they took £10 from my account, another £10 then £20 all in one day for no reason at all. they left me and my three children penniless for a week. they are thieves! stay away!
got a loan. great! really quick into my account. paid it back the next month. then 2 months later they took £10 from my account, another £10 then £20 all in one day for no reason at all. they left me and my three children penniless for a week. they are thieves! stay away!
"Crooks"
Arthur T , Lincoln
Loan sharks hiding behind a mask of respectability. Avoid like the plague.
Loan sharks hiding behind a mask of respectability. Avoid like the plague.
"a-holes"
dawn , keighley
Used to use them nearly every month last year. Finances improved,so stopped and obviously deleted my dd. Asked for a loan last week, needed to see full bank statements as there was a problem because the dd had been deleted! Who in thr right mind would leave a dd open for 8months! Useless, time wasting company! Basically told them to stick it and would NEVER use them again!!
Used to use them nearly every month last year. Finances improved,so stopped and obviously deleted my dd. Asked for a loan last week, needed to see full bank statements as there was a problem because the dd had been deleted! Who in thr right mind would leave a dd open for 8months! Useless, time wasting company! Basically told them to stick it and would NEVER use them again!!
"Pathetic excuse for a company"
Theresa , Leicester
So the only good part to tell is that when I actually applied for the loan they paid out straight away and they're your best friend, however, should you fall into financial hardship which I have, they show their darker side, I lost my job and so I was unable to make the repayment, however, my partner is in work now but wont receive his wages until 1st Sept which I informed them and told them I can set up the repayment plan of £30 a month (as they said this is what they would accept) direct debit for the 1st of each month, however, I have recently received an e-mail from them telling me that if i didn't make a payment within 2 weeks they would put my account into processing, now this is ridiculous every company i have ever dealt with when looking to make repayment plans have always set up direct debit for the wage day knowing the money will be there no hassle no fuss, i am extremely angry at them about this and made sure they knew it!, I now have to beg and borrow from my family because they are so impatient! I suggest people keep firmly away from this company.
So the only good part to tell is that when I actually applied for the loan they paid out straight away and they're your best friend, however, should you fall into financial hardship which I have, they show their darker side, I lost my job and so I was unable to make the repayment, however, my partner is in work now but wont receive his wages until 1st Sept which I informed them and told them I can set up the repayment plan of £30 a month (as they said this is what they would accept) direct debit for the 1st of each month, however, I have recently received an e-mail from them telling me that if i didn't make a payment within 2 weeks they would put my account into processing, now this is ridiculous every company i have ever dealt with when looking to make repayment plans have always set up direct debit for the wage day knowing the money will be there no hassle no fuss, i am extremely angry at them about this and made sure they knew it!, I now have to beg and borrow from my family because they are so impatient! I suggest people keep firmly away from this company.
"Ok company"
Lisa Mac , london
I've used this company several times and found them really good (although the Cust service leaves a lot to be desired!) I only had an issue when a few wks ago I applied on a fri night for an instant transfer, was advised funds wud b in my account by 5.30 sat (paid £15 for this), spent all evening sat chasing this up as no money went in, then didn't go in til Monday and they still charged me £15!!!!!! I rang up and spent 25mins on the phone being told "it's the banks fault" so basically tough luck and I'd have to swallow the £15 instant transfer fee, I literally wouldn't hang up until they removed the fee and eventually they did but only after a long battle!
I've used this company several times and found them really good (although the Cust service leaves a lot to be desired!) I only had an issue when a few wks ago I applied on a fri night for an instant transfer, was advised funds wud b in my account by 5.30 sat (paid £15 for this), spent all evening sat chasing this up as no money went in, then didn't go in til Monday and they still charged me £15!!!!!! I rang up and spent 25mins on the phone being told "it's the banks fault" so basically tough luck and I'd have to swallow the £15 instant transfer fee, I literally wouldn't hang up until they removed the fee and eventually they did but only after a long battle!
"Recommended"
Gary , London
I have had a couple of payday loans from different companies in the past and this was by far the most convenient and simple. Received my money same day and had no problems! Great Service!
I have had a couple of payday loans from different companies in the past and this was by far the most convenient and simple. Received my money same day and had no problems! Great Service!
"Thanks Wage day advance..."
Jay , Brighton
I had trouble last month with my ex partner that decided that things were not working out and basicly kicked me, i was in full time employment and needed a quick, easy loan that could cover me until my next payday.. i tried all over the internet and for some reason no compay would come back to me of offer unreasonable terms i.e Quick Quid that wanted me to send a only a PDF file to then to verify my employment...(Yer right As if!!!) I was @ my witts ends so applied for a loan from this company, Easy and fast i had a call in 2-3 hours from a really friendly customer agent that comfirmed a few details and paid the funds in my account same day without any hassle or problems. I got the loan and had a text saying that as a previous customer in the future it would be just as easy to apply just to comfirm a few details and thats it i borrowed £100 and payed back £129.50 not unreasonable at all i cannot say any faults with this i will 100% use again if needed but this copany saved my bacon Cheers
I had trouble last month with my ex partner that decided that things were not working out and basicly kicked me, i was in full time employment and needed a quick, easy loan that could cover me until my next payday.. i tried all over the internet and for some reason no compay would come back to me of offer unreasonable terms i.e Quick Quid that wanted me to send a only a PDF file to then to verify my employment...(Yer right As if!!!) I was @ my witts ends so applied for a loan from this company, Easy and fast i had a call in 2-3 hours from a really friendly customer agent that comfirmed a few details and paid the funds in my account same day without any hassle or problems. I got the loan and had a text saying that as a previous customer in the future it would be just as easy to apply just to comfirm a few details and thats it i borrowed £100 and payed back £129.50 not unreasonable at all i cannot say any faults with this i will 100% use again if needed but this copany saved my bacon Cheers
"rubbish company a joke"
ross cairns , EDINBURGH
hello there just a quick note to say to stay away from this company they are just cowboys.i applyed for a loan today got excepted applyed for 300 pounds over a month all in good until a few hours later got some female staff member who was cocky anyway they lie to you saying you have the loan phone this number you phone in after 20 mins of security questioned asked they ask for your card details which was fine then they ask you to comfirm your work details. they phone your work..if your like me my work is through a private train company who cause of the terriost threat to this country we are not aloud to give out the phone number so i explained to the girl who was not nice at all she then wanted me to get a bank statement another problem i print my statement online to save my bank paper and the trees fund.. not good enough all in all this company does not offer you the money you apply for they offer a small amount then you can't get it the same day unless you pay them another 15 pound - what you have in money three days wait for free transfer please dont use this company they are a joke and have bad staff not even the manger had the nerve to speak to me when i made a complaint about the company thanks for listening ross cairns
hello there just a quick note to say to stay away from this company they are just cowboys.i applyed for a loan today got excepted applyed for 300 pounds over a month all in good until a few hours later got some female staff member who was cocky anyway they lie to you saying you have the loan phone this number you phone in after 20 mins of security questioned asked they ask for your card details which was fine then they ask you to comfirm your work details. they phone your work..if your like me my work is through a private train company who cause of the terriost threat to this country we are not aloud to give out the phone number so i explained to the girl who was not nice at all she then wanted me to get a bank statement another problem i print my statement online to save my bank paper and the trees fund.. not good enough all in all this company does not offer you the money you apply for they offer a small amount then you can't get it the same day unless you pay them another 15 pound - what you have in money three days wait for free transfer please dont use this company they are a joke and have bad staff not even the manger had the nerve to speak to me when i made a complaint about the company thanks for listening ross cairns
"FASTEST PAYOUT"
Luke , Lincoln
Needed some extra cash for rent due today, applied with this lender about 2pm today and received funds in my account a couple of hours later...simple application and they were very easy to talk to explained everything i asked in detail WOULD RECOMMEND TO ANYONE!!
Needed some extra cash for rent due today, applied with this lender about 2pm today and received funds in my account a couple of hours later...simple application and they were very easy to talk to explained everything i asked in detail WOULD RECOMMEND TO ANYONE!!
"Wage day advance"
paula , leeds
this was the only company that I could find who did not run a credit check and only charged 25% I say only because the two others I found were charging 30% I got my money the same day without even sending any paper work in. All in all would have to say it was quite easy and quick did what it said on the tin...
this was the only company that I could find who did not run a credit check and only charged 25% I say only because the two others I found were charging 30% I got my money the same day without even sending any paper work in. All in all would have to say it was quite easy and quick did what it said on the tin...
"Wage Day Advance"
mich7k , Leicester
Just to show you what they might send if you fall behind on a payment.... We have been unable to obtain repayment of your WAGEDAY ADVANCE Value £225.00 Unless we obtain a payment of £225.00 Plus £20.00 Costs, Total : £245.00 or a reasonable arrangement for repayment, within seven days of the above date, we will [ FORWARD YOUR FILE TO A debt collection COMPANY. They will visit you at home or work to arrange direct collection of your repayment. interest and costs of £180.00 will be added to the debt and the Debt Collection Company will To avoid this and extra cost and inconvenience please ring our Collections Dept on 01535 613001 TODAY at Wageday Advance.
Just to show you what they might send if you fall behind on a payment.... We have been unable to obtain repayment of your WAGEDAY ADVANCE Value £225.00 Unless we obtain a payment of £225.00 Plus £20.00 Costs, Total : £245.00 or a reasonable arrangement for repayment, within seven days of the above date, we will [ FORWARD YOUR FILE TO A debt collection COMPANY. They will visit you at home or work to arrange direct collection of your repayment. interest and costs of £180.00 will be added to the debt and the Debt Collection Company will To avoid this and extra cost and inconvenience please ring our Collections Dept on 01535 613001 TODAY at Wageday Advance.
Help other customers - write a review
Loan Details
Representative APR
2814.2%
Loan Amount
£80 - £750
Repayment Period
Term 11 days to 40 days
New customers up to £400
Existing customers up to £750
New customers up to £400
Existing customers up to £750
Repayment Method
Transferred into your bank account
Speed to Payout
Express transfer - same day (£15 charge) if approved before 6pm
Normal transfer - 3 working days
If you apply after 6pm, the express transfer will ensure the money in your account the day after
Normal transfer - 3 working days
If you apply after 6pm, the express transfer will ensure the money in your account the day after
Arrangement Fee
-
Payment Holidays
None Available
Income Protection Available
No
Average Customer Review
Acceptance Criteria
- You must have a UK bank account
- Your salary must be paid directly into your UK bank account
- You may need to provide some documents, they will let you know after you submit your application
- You must be a UK resident
- You must be 18 years of age or older to apply
- You must have a regular job which pays weekly, fortnightly or monthly
Charges
Other Fees
- Extension Fee - £29.5 per every £100 borrowed
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