£ max £400

(Repayment date: Friday 30th Oct 2015 )

Borrowing £111 + Interest £22.20 = Total to repay £133.20

Representative example

Borrow£100 for 13 days
Interest rate292% pa (fixed)
One repayment of£110.40
Representative1,509% APR

If you don't repay on time there will be extra costs:

Missed payment fee


Charged at 11pm on the third day after your repayment date

Is a Wonga loan right for you?

Get more facts

Our loans are for short term use only and may not be the cheapest option

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

You shouldn't use our loans to manage existing debt

If you take out loans regularly Wonga may not be right for you

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

Choose Wonga over traditional payday loans

Welcome to Wonga. We know you just searched for payday loans – you might be glad you found us!

We’re different to traditional payday lenders, like quick quid and others, because we put you in control of your loan.

You can use the sliders below to decide exactly how much you want to borrow and how long for. We don’t believe in catches or hidden fees, so you’ll see the full cost upfront.

Benefits of using Wonga

1) We give you flexibility and control

We know you might only want to borrow money for a few days to solve an emergency cash flow problem which is why with Wonga, you choose how much to borrow, to the pound, and for how many days. If you want to repay early, you can – there are no early repayment fees and you’ll save on interest.

2) We're online

You can apply online and if approved we’ll send your money within five minutes. And because we’re online, you can apply 24/7, 365 days a year. You can even apply for a loan on a mobile.

We want to make repaying as hassle free as possible and that’s why we automatically take repayment on your due date from the debit card details you registered with us. Make a note of your repayment date, and make sure you’ve got enough money in your bank account on your repayment date to repay your loan. If we haven’t received full payment by 11 pm on the third day after your promise date, you’ll be charged a missed payment fee of £15 and this may impact your credit rating. Interest will also continue to accrue on your account. Take a look at how we collect payments.

If you’re struggling to repay your loan for any reason, please contact us straight away, and we’ll do our best to find a fair and flexible solution which takes your financial circumstances into account.

3) We're transparent

We’ll always tell you the full costs upfront and the total amount to repay before you apply. There are no catches or hidden fees to worry about – even if you repay early and unlike some other lenders we don’t charge early repayment fees.

Our flexible, short-term service comes with a representative APR of 1,509%APR, but bear in mind that the average loan duration is usually less than 20 days. We provide short-term loans, while APR is an industry-standard calculation that looks at annual repayment costs. We don't actually charge thousands of per cent in interest.

Eligibility criteria

We take a genuine interest in our customers’ financial health and consider every application on an individual basis. You should always think carefully before committing to any form of credit.

To be eligible to apply for a Wonga loan, you must:

  • Be a UK resident
  • Be over 18
  • Have a UK bank account and debit card
  • Own a mobile phone

If you need to get in touch, our contact details are:
Phone: 0207 138 8330
Email: customercare@wonga.com