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How your Wonga loan works

Your journey using Wonga

Getting Started

To apply you must:

Be over 18

Be a bank account and debit card holder

Be a mobile phone owner

Live in the UK

Answering yes to these questions means you can apply for a Wonga loan. But we can't guarantee acceptance. We always assess each application individually and only lend to people we think can afford to repay on time.

Checking the cost

Use our sliders to set how much you want to borrow.

Choose when you want to pay back.

You'll see the total cost of your loan before you apply.

What are the costs?

What does a Wonga loan cost?

We charge from 0.8% interest a day. You'll only be charged interest on your remaining balance at the end of each day, not including interest or fees.

Representative example for Short Term Loan

Borrow£150 for 14 days
Interest rate292% pa (fixed)
One repayment of£166.80
Representative1,509% APR

Representative example for 3 month Flexi Loan

Borrow£300 over 3 months
Interest rate292% pa (fixed)
Two repayments of£143.85
One final repayment of£143.81
Total amount payable£431.51
Representative1,311% APR

Representative example for 6 month Flexi Loan

Borrow£450 over 6 months
Interest rate292% pa (fixed)
Five repayments of£144.40
One final repayment of£144.39
Total amount payable£866.39
Representative1,286% APR

Before you apply

Our loans shouldn't be used as a long term financial solution.

You shouldn't use our service to manage existing debt or if you are already struggling financially.

Late repayment will mean extra costs and may affect your credit rating.

You should only take out a loan if you are comfortable you can repay on time.

Applying online

Simple online application

You apply online - no paperwork or phone calls. We'll ask for your address, bank and employment details. We never contact your employer, but we will do an online credit check.

What we give you

  • A loan explanation showing how our service works and things you need to know
  • An important information document which highlights all the key facts
  • Our standard terms and conditions

You should read these carefully and only continue if you're happy the loan suits your needs.

We'll usually say yes or no right away

Depending on the information you gave us, you'll get 1 of 3 decisions

Remember, we will only offer you a loan if we think you can afford to pay back.

Yes - Approved

You've been approved for a loan.

No - Declined

We couldn't give you a loan this time. We'll show you the reasons for this decision onscreen so you can see what might have affected your application

Maybe – Referred

If we need to check a few more details before deciding whether to approve your loan, we will normally be back in touch with a decision within 24 hours

You decide

If you're approved, we'll give you your loan agreement. Please read it carefully.

Make sure you're happy to take on the commitment.

If you are, press 'I accept' to sign it. If you're not sure a loan is right for you, don't press as you'll enter into a formal agreement.

We send the money directly to your current account

Repaying is automatic

We've made repaying simple. We take payment from the debit card you register with us, on each repayment date.

Just make sure you have enough money in your bank account from 5am on your repayment date.

Find out more about repaying

We use continuous payment authority (CPA) to take repayment automatically on each repayment date. If we're not able to collect on a repayment date, we'll contact you to find out why the collection attempt failed and what we can do to help.

Unless you repay or set up an alternative payment arrangement, we'll try to collect the amount due once again, up to 7 days after your repayment date. We'll contact you the day before we use CPA for the second time. We won't use CPA more than twice to try to collect a repayment.

For more information please read how we collect payments.

Pay back early - you could save interest

You can repay all or some of your loan early at any time and you could save interest- as you only pay interest for the days you borrow. There's no fee for repaying early.

See how you can pay early

To repay all or part of your loan early, login to my account and click ‘repay' or call us on 0207 183 0063.

Can I top up my Short Term Loan?

If you already have a Short Term Loan, but need some extra money, you may be able to top it up while keeping the same repayment date.

To check if you can apply for a top up, login to my account.

Please note, you can't apply for a top up if you have a Flexi Loan.

See how we calculate your top up

The amount you can top up will depend on your personal application limit and our credit and affordability assessment of you. We assess each top up application on an individual basis and we can't guarantee that your application will be successful.

Please be aware, you can only top up a loan once a day and a maximum of 3 times.

If your application for a top up is successful, you'll need to enter into a new credit agreement for the extra amount. Once you've accepted the new credit agreement we'll send the extra money in 5 minutes. Interest is charged at the same rate as your original loan.

You've repaid on time

After your repayment, we'll send you a final email to thank you for paying off your loan.

That's all there is to it!

What if you repay late?

We may report any late payments to credit reference agencies, which may affect your credit rating, and make getting a loan more difficult and more expensive in the future.

If you delay repaying you will face extra costs

Extra costs

Missed payment fee


The first time you miss a payment, you'll have three days to repay before we charge you a missed payment fee of £15.To avoid that fee, you need to make sure that you repay by 11pm on the third day after your repayment date.

Please note, we'll only charge you one missed payment fee per loan.

Continued interest on your balance

0.8% per day
if you have a Short Term Loan or a 3 month Flexi Loan

0.8% per day
if you have a 6 month Flexi Loan

Interest will continue to be added to your balance but you’ll never have to repay more than double the amount you borrow. So if you borrow £100, the most you’ll repay is £200.

What if you can't repay?

You need to contact us straight away. We always want to help you if you're having financial difficulties and we'll always try to find a solution that works for both of us.

Find out more about how we can help

Login to the my account.

Set up a repayment arrangement with us and we'll freeze interest.

What happens if we can't agree a fair repayment plan? We will work with you to try and agree a fair and affordable solution.

If you can't pay back, call us. We're here to help

0207 138 8330

We're here Monday to Saturday 7am-8pm, Sundays and Bank Holidays 8am-5pm.

The important thing is to call us as soon as possible.