All of our associated lenders are required to have a Responsible Lending Policy in order to protect the consumers. Some of these lenders belong to the BCCA, which means that they must abide by a strict code of practice that pertains specifically to short term lending. Others are members of the Consumer Finance Association. Either way, these lenders have specific operational and ethical guidelines in which they must operate. Prior to accepting any loan, be sure to check the responsible lending codes of practice for that lender.

It’s important to fully understand that a payday loan is by definition, a short term loan that is taken over the time-frame of a month or less. If you have taken out four or more payday loans within the last year, then we highly advise that you seek some debt and budgeting advice.

Most lenders will not allow a borrower to receive more than 30% of their net income each month. So if your application was denied, then perhaps try again for a lower amount.

Short term loans are never recommended for holidays or items that are considered ‘leisure’. They are intended for individuals to mitigate any issues that they may have financially until the next payday is reached.

Be sure that the short term loan site that you use has an application that is secure such as SSL technology.

It is important that you fully comprehend the APR that the lender is offering prior to accepting a loan.

Be sure that you are able to pay back your loan when payday comes. Never borrow more than you can afford to pay back. If you believe you will miss your payment, then you must contact your lender immediately in order to come to an appropriate solution. is NOT a direct lender and our loan-matching service is free to use. We don't charge a fee, but there might be a charge from some lenders within our network. Emu is a trading style of Ready Money Capital Ltd. does not make lending or credit decisions, we are not a lender - as a broker we match customer's loan applications with lenders in our database depending on the information provided. Ready Money Capital Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 802557. Licensed by the Information Commissioners Office (registration number ZA441875).

Warning: Late repayment can cause you serious money problems. For help, go to Emu is a broker, not a lender, and does not make credit decisions.