Responsible Lending

Think carefully before you take a short term loan and make sure that you are able to repay the outstanding balance on the due date.

Before you take out a loan, ask yourself these questions:

  • Do I really need to take out a short term loan?
  • Can I repay the loan in full on the due date?
  • Will taking out a loan and repaying it in full help me get out of debt?
  • Do I have a good credit history and credit score?
  • Am I responsible with money?

We want to help you become better at managing your finances. If you answered no to the above questions, we strongly recommend finding an alternative.

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49.9% APR Representative (Fixed)

Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). APR rates range from 45.3% APR to 1575% Max APR. The rate is subject to change and the representative APR may not be the rate you'll receive. The rate you pay depends on your circumstances and loan amount, and may differ from the Representative APR.

Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk

We want you to be sure this loan is right for you. So before you carry on, please only apply for a loan if you are confident that you are able to make the repayments on your due date and still manage your other outgoings. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A PAYDAY LOAN OFFERS A SHORT TERM FINANCIAL SOLUTION AND SHOULD NOT BE USED AS A LONG TERM SOLUTION.

ADV FINANCE LTD t/a IconicDay, Bank Chambers, St. Petersgate, Stockport, SK1 1AR, United Kingdom

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APR rates range from 45.3% APR to 1575% Max APR. The rate is subject to change and the representative APR may not be the rate you'll receive. The rate you pay depends on your circumstances and loan amount, and may differ from the Representative APR.

49.9% APR Representative (Fixed)
Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). APR rates range from 45.3% APR to 1575% Max APR. The rate is subject to change and the representative APR may not be the rate you'll receive. The rate you pay depends on your circumstances and loan amount, and may differ from the Representative APR.

Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk

Short-term loans should only be used for short-term financial needs and are not appropriate for long-term borrowing, or if you are in financial difficulty. All loan applications are subject to creditworthiness and affordability assessments. Taking out a loan involves serious obligations and you should ensure that the loans provided by our lenders are suitable for you before you apply, for more information on these loans please see our FAQ page.

*Your lender can initiate the transfer of funds into your account the same day after final approval of your loan subject to an assessment of affordability and creditworthiness. The time that it takes for cash to appear in your account will depend on your bank's policies and procedures.
**As a broker we will never ask for any fee, however, that you may be referred to a lender or a broker who charges a fee so you should check with them carefully. Please note that the lender or broker we direct you to may not offer the cheapest loan compared to the open market.

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK only. This site is available to UK Residents only aged 18 years and over.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A SHORT TERM LOAN OFFERS A ONLY A SHORT TERM FINANCIAL SOLUTION AND SHOULD NOT BE USED AS A LONG TERM SOLUTION.
IF YOU SECURE A FINANCE OPTION AGAINST YOUR HOME OR MOTOR VEHICLE, YOUR HOME OR MOTOR VEHICLE MAY BE REPOSSESSED IF YOU DO NOT MAINTAIN YOUR REPAYMENTS. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

IconicDay is a trading name of ADV FINANCE LTD and is not a lender but is a licensed credit broker, which introduces borrowers and lenders for the purposes of entering into loan agreements. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. ADV FINANCE LTD is registered in England and Wales and is registered with company number 09830846 and has its trading address at Bank Chambers, St. Petersgate, Stockport, SK1 1AR, United Kingdom and its registered at Bank Chambers, St. Petersgate, Stockport, SK1 1AR, United Kingdom.

For any communication with our business please click here or write to us at ADV FINANCE LTD t/a IconicDay, Bank Chambers, St. Petersgate, Stockport, SK1 1AR, United Kingdom. ADV FINANCE LTD is authorised and regulated by the Financial Conduct Authority with full permission number 726319 and with the Information Commissioner's Office with registered number ZA183838

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