Warning: late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk. We are a broker not a lender.
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Pay Pony
Apply for a short term loan today
Representative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721% APR. A short term high cost loan should not be used as a long term solution. We are a broker not a lender. We don't charge fees. We don't sell your personal information. We may receive a commission from lenders when you take out a loan through us. The amount we're paid may vary depending on the lender and the product. You can ask us for more information about the commission we receive.
Consider Pay Pony
A one horse race
It's a one horse race when it comes to our customer service and short term loans.
We work with a vast network of trusted UK lenders who can provide loans up to £5,000. We put convenience first, so you can apply from the comfort of your own home and choose the loan that best matches your needs.
You can apply 24 hours a day, 7 days a week with Pay Pony
Apply NowRepresentative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721% APR. A short term high cost loan should not be used as a long term solution. We are a broker not a lender. We don't charge fees. We don't sell your personal information. We may receive a commission from lenders when you take out a loan through us. The amount we're paid may vary depending on the lender and the product. You can ask us for more information about the commission we receive.
Getting started
Complete our application form in minutes and receive your short term loan.
No hidden fees
There aren't any fees when you apply with Pay Pony.
Bad credit?
Most of our lenders will still consider you if you have a bad credit history.
How it works
Getting started with Pay Pony
If you find yourself in a situation requiring money that you do not currently have, then a short term loan from Pay Pony could help you avoid the usual stress and worry associated with budgets and finances.
Apply online
Select the short term loan amount you'd like to borrow with Pay Pony.
Complete the application
Tell us about yourself including your employment and income.
Receive your loan
Once accepted, you'll receive your money into your bank account.
Extra horsepower
When it comes to our service
Start your short term loan application with Pay Pony, and learn more about our service.
Secure UK lenders
All of our lenders are secure. Our service is also secure and we won't share any of your personal information.
Free service
At Pay Pony, we don't charge a fee when you apply for a short term loan with us.
Quick approval
You can get your loan quickly with Pay Pony, apply online today and you could receive your loan today*.
Questions About Pay Pony
Learn more about us
Learn more about us with a selection of questions we regularly receive from customers.
Can I apply for a loan?
You can apply if you are: 18 years of age or older, living in the UK (England, Scotland, Wales and Northern Ireland), employed and receiving a regular weekly or monthly income which is paid into a valid bank account that accepts direct debits.
Before you take out or apply for any loan, you should consider whether you really need it. Can you save up for the thing that you want? If you can, you will save on interest payments. Taking out a loan to pay off other debt, will only lead to a debt spiral and financial hardship. Short term loans should also not be taken out to cover long term financial commitments.
If you are in any doubt or require any further information, speak to a not for profit organisation such as the Citizens Advice Bureau or Money Helper.
See our eligibility checklist for more information to see if you're eligible for a short term loan.
Can I apply if I have difficulty repaying the loan?
Please don't borrow more money if you have existing loans that you cannot afford to repay. Get in contact with your lender to discuss your situation immediately. The details of your loan will be between you and your chosen lender so make sure you read and understand their terms and conditions before agreeing to the loan.
Do you charge any fees?
We are a free online credit brokerage. We DO NOT charge our customers a fee for this service. No one from Pay Pony or any financial partner relations; including lenders; will ever contact you and request you to send money to them or buy products from them in advance of receiving your loan.
To learn more about dealing with cold-calls, refer back to our fraud protection guidance.
How long does it take to apply?
Completing your loan application with Pay Pony takes on average 10-15 minutes. We recommend setting aside 30 minutes for the whole application process.
How do I opt out of your marketing?
You can opt out of our marketing by visiting this website.