Terms & Conditions


As follows below are important points which you need to know about the service we provide. We request that you read the following terms and conditions prior to using us to ensure you are satisfied with the service we can offer you. If, after reading our terms and conditions, you do not agree with the content then we request that you do not use our service. If you do use our website then you will be accepting our terms and conditions and agree to abide by them, in addition to this you will also be agreeing to use the service provided for lawful purposes.

  1. Terms of website use

    1. Paydayloansnow.co.uk is a registered Trading Name of Serpable Limited, Who Are Authorised And On Financial Services Register under the reference number: 799104. Serpable LTD is registered in England and Wales (Company number 10699069), Registered Address; Collinbourne Avenue Bournemouth BH6 5QR. Licenced by the Information Commissioners Office, (registration number ZA248554).

      (referred to herein as the “Company”, “we”, “us” and “our”). The term “You” refers to the users and viewers of our Sites.

    2. Please read these Terms of Use carefully before using our Sites.

    3. By using our Sites, you indicate that you accept these Terms of Use and that you agree to be bound by them. If you do not agree to these Terms of Use, please do not use our Sites.

  2. About us

    1. paydayloansnow.co.uk are not a credit broker and therefore, we will not provide finance directly to you. Our service is such that upon completion of your application form, we will introduce you to Serpable’s panel of lenders who may be able to assist with your application for finance. By submitting an application, you will be giving your consent for them to match your application with one of the Lenders or Providers on their lender panel. It is important to understand that they will only forward your application to a Lender or Finance Provider that has looked at Your application and accepted it as one they believe there is a good chance they can provide a loan or relevant services to You.s of our Sites.

    2. The Company does not guarantee that completing an Application Form will result in you receiving a loan offer. Your request is not an application for credit from a specific lender or lenders but an expression of your interest in such products. Individual lenders may require you to complete their own application process and are solely responsible for deciding whether and on what terms to lend to you. Any examples of loan terms on our website are for illustrative purposes only.

    3. The Company does not charge you any fees for the provision of the Services, however as an introducer to Serpable, we will receive a fee or commission when a loan application is accepted/for introductions.

    4. The Company is not a party to any contract made between you and the lenders and credit providers for loans. All rights and obligations under the terms of the contract for a loan are solely between you and the relevant lender.

  3. Credit checks on completion of an application form

    1. By completing the Application Form you authorise the Company to transmit your Application Form to Serpable.

    2. By submitting an Application Form you authorise lenders and credit providers to take all such steps as are deemed necessary to independently verify any and all information contained in your Application Form and check your credit worthiness. You understand that these checks may include contacting Credit Reference Agencies (CRAs), fraud and money laundering preventing agencies and the electoral register as well as providing them with information about you.

    3. By submitting the Application Form you acknowledge that we will acquire and transfer your personal data to Serpable for the provision of the Services and you consent to their acquisition, control and processing/transfer of your personal data in accordance with the terms of our Privacy Policy (see also section 8 below ‘Privacy’).

  4. Accessing our site

    1. Access to our Sites is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Sites without notice (see below). We will not be liable if for any reason our Sites is unavailable at any time or for any period.

    2. From time to time, we may restrict access to some parts of our Sites, or the entirety of our Sites, to users who have registered with us.

    3. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms of Use.

    4. You are responsible for making all arrangements necessary for you to have access to our Sites. You are also responsible for ensuring that all persons who access our Sites through your internet connection are aware of these terms, and that they comply with them.

  5. Intellectual property

    1. Our Sites, the content, any materials downloaded, and all intellectual property pertaining to or contained on our Sites (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks, (collectively “the Content”) are owned by the Company or other third parties and all rights, title and interest therein shall remain the property of the Company and/or such third parties. All Content is protected by copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

    2. Logos, trademarks, images, etc. are the property of the Company unless otherwise noted and may not be copied, used, linked, disseminated, etc. without the Company ‘s prior express written approval. Requests for approval should be directed to support@paydayloansnow.co.uk or Payday Loans Now, Unit 15, Nottingham South and Wilford Industrial Estate, Nottingham, NG11 7EP.

    3. You are authorised solely to view and retain a copy of the pages of our Sites for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on our Sites for the purpose of transacting business with the Company.

    4. You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit our Sites, or any portion of our Sites for any public or commercial use without the express written consent of the Company.

    5. Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on our Sites (or printed pages produced from our Sites); and (ii) make any other modifications to any documents obtained from our Sites other than in connection with completing information required to transact business with the Company.

  6. Site security

    1. You must not misuse our Sites by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Sites, the server on which our Sites is stored or any server, computer or database connected to our Sites. You must not attack our Sites via a denial-of-service attack or a distributed denial-of service attack.

    2. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Sites will cease immediately.

    3. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Sites or to your downloading of any material posted on it, or on any website linked to it.

  7. Privacy

    1. The Company ‘s Privacy Policy applies to use of our Site, and its terms are made a part of these Terms of Use by this reference.

    2. Any personal data we process about you will be processed in accordance with our Privacy Policy and by using our Sites to transmit personal data you consent to such processing and you warrant that information provided by you is accurate. Please note that Serpable may transfer your personal data to lenders outside of the European Economic Area, subject to them always meeting the legal requires for such transfer as set out in the Eighth Data Protection Principle of the Data Protection Act 1998.

    3. Additionally, by using our Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to our Site may be read or intercepted by others, notwithstanding the Company‘s efforts to protect such transmissions.

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