How to get Payday Loans

Applying for and qualifying for payday loans couldn't be simpler. The payday loans application form is very straight forward, simply fill in the payday loans application form so we can verify it's really you applying for the loan rather than someone pretending to be you and we'll do the rest.

To qualify you simply need to be 18 or over, resident in the UK and have a regular income into your bank account.

You will receive a response in seconds and once approved we can transfer money into your account in under an hour.

What happens next?

After that, check your bank account for the funds. Once they've cleared, spend them as you see fit.

When you get paid you'll pay back your payday loan by direct debit, that's it.

What are instant payday loans?

Instant payday loans are small, short term cash loans provided as an advance against your income so you can quickly have access to cash when you need it. Our instant payday loans are repayable up to a month later on your next payday. Payday loans are a simple, quick way to get hold of cash for those who don't want or aren't in a position to enter into a formal and lengthy loan agreement with a bank or other high street lending establishment.

Applying for Payday Loans

Applying for payday loans

Applying for instant payday loans couldn't be simpler than with Top Hat Money. The whole process is all managed online from start to finish so there's no mountain of paperwork needed to support your application.

Simply fill in the Payday Loans Application Form, get an immediate response and, if successful, follow any additional instructions to ensure the safe transfer of your preferred amount.

Applying for an instant payday loan

You can apply for payday loans right now. Simply head over to the payday loans application form, give us your details and we'll do our best to approve your application right away so you can get the money you need.

Requirements to obtain instant payday loans

The only requirements to obtain one of our instant payday loans are that you are 18 or over, currently have a regular income and have an active bank account with a debit card.

How long do payday loans applications take?

The whole payday loans application process should not take more than about 5 minutes. We can break it down like this:
Complete the payday loans application form — this should take less than 3 minutes.

Most users will receive an immediate response.

Once approved instant payday loans can be transferred to your bank account within minutes. How long they take to appear will depend on your bank but will typically be less than an hour

Do I have to fax or post any supporting documents?

In most cases we should be able to approve your payday loan application without requesting any paperwork, but if we're unable to do that we may require some supporting documents from you to completely process your loan application.

What's the maximum request amount for payday loans?

New customers can request instant payday loans of up to £1000. Once you are an existing customer, and providing you use the service responsibly, we'll be able to increase the size of the loans you can request to give you that extra flexibility to meet your short term cash needs.

Why do I need to supply bank details before a decision is even made?

We request your bank details while we are collecting your other information primarily for identification purposes. For your safety and ours we never deal with anyone if there is any question about their identity.

Why do I need to provide so many details before a decision is even made?

For your safety and ours we never deal with anyone if there is any question about their identity. Link Metric Ltd t/a Top Hat Money is registered with the Data Protection Registrar and holds a Consumer Credit Licence (645219). In the UK a consumer credit licence, issued by the Office of Fair Trading (OFT), is required by payday loans companies before they can offer payday loans. You should check that any company you apply to for a payday loan has a Consumer Credit Licence and their registration number is clearly displayed on their website.

We use the information you provide to be absolutely sure we are dealing with the correctly identified person.