If you have stumbled across this page when looking for a payday loan then please do not take one out. You are likely to end up paying out hundreds of pounds in interest.

Below are some alternatives to borrowing from a payday loans lender.

• If you have space on a credit card then withdraw cash on that. It is not a good option as they often charge a cash advance fee and a higher interest rate than general spending but it is not as expensive as taking out a payday loan
• Borrow from friends of family. I know that it is embarrassing but if  the  embarrassment  of asking to more important to you than getting then money then ask yourself if you really need the cash after all.
• Some employers offer interest free salary advances. Some even let you spread payments out over a few months. These will still leave you short but at least you won't be paying extortionate rates of interest and you have the option to spread the repayments.
• If you need the cash to pay a bill or your rent then contact the company or your landlord and ask if you can pay them late. You may be surprised at how sympathetic people can be. If you can't come to an agreement pay them late anyway. This will mean late fees but creditors never take action until you are substantially behind with payments and it is better to pay a late fee once than get stuck in a cycle of borrowing at high interest rates to pay for your basic living expenses.   
• Do without. We do not need half the things we think we do. You don't need to go on that night out, you do not need holidays and you do not need that dress. You need food and shelter and by taking out payday loans now you are jeapordising your chances of being able to afford these in the future