Do I need to give a reason for my application?

Nope, not at all. We aren't your bank manager, or your mum! The only reason we might ask what you need the money for would be for research purposes and any information given in those cases would be received in the strictest confidence. You can use a Wonga loan for anything (as long as it's legal!). We just ask that you only borrow what you can comfortably afford to repay on your chosen date. As with any form of credit, it's always worth asking yourself if you really need to borrow the cash before applying but, if the answer's a definite yes, then we're here to help.