My Finance Club

Calculate Your Loan Cost:

Choose the loan type you require then adjust the sliders to calculate the cost of your loan.

Representative Example

Representative Example: Loan amount £100 repayable over 30 days. Total amount repayable £124 by one instalment of £124. Interest 0.8% per day, 292.00% p.a. fixed. Representative 1299% APR.
Total Repayable


You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
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Lender Overview

My Finance Club offer short term payday loans from £100 to £400 from 1 to 38 days. You must be over 18 years old to apply for a loan and all loans are subject to credit and affordability checks.

When can I get my loan?

Applications are accepted 24 hours a day, 7 days a week via the website and they aim to fund loans within a few minutes of final approval.

How do I repay my loan?

On your agreed repayment date, My Finance Club will collect the full amount repayable from your debit card. You should ensure that you have sufficient funds available on the date of repayment to avoid additional charges and interest being added to the loan account.

What happens if I can't pay my loan on time?

If you feel you are not going to be able to make your repayment on time please call them as soon as possible to discuss your current financial situation on 0800 0882220. They will assist you in working to resolve the problem. Remember, the sooner you contact them the sooner you can come to a mutually agreeable arrangement and solution.

Application Criteria

  • You must be 18 years old to apply
  • You must be a UK resident
  • You must be in employment with a net income of at least £500 per month
  • You will need a mobile phone and email address
  • You must have a UK bank account with a valid debit card

How is this lender regulated?

  • My Finance Club are authorised and regulated by the Financial Conduct Authority


Late repayment can cause you serious money problems. For help, go to The Money Advice Service
My Finance Club
0800 088 2220