Flexible – Fast – Fair
"Money straight to your bank in minutes. There are no long application processes, no personal interviews or faxing and no waiting around for cheques to clear. At My Finance Club we transfer the money straight to your bank, so it’s ready to spend as soon as your bank makes it available to you."
"Our short term loans can be very competitive when compared to unauthorised overdraft fees and rates of interest charged by the high street banks. What’s more there are no nasty surprises as our interest and fees are crystal clear. You will know in advance exactly how much your total repayment will be."
"Money straight to your bank in minutes. There are no long application processes, no personal interviews or faxing and no waiting around for cheques to clear. At My Finance Club we transfer the money straight to your bank, so it’s ready to spend as soon as your bank makes it available to you."
"Our short term loans can be very competitive when compared to unauthorised overdraft fees and rates of interest charged by the high street banks. What’s more there are no nasty surprises as our interest and fees are crystal clear. You will know in advance exactly how much your total repayment will be."
"Money straight to your bank in minutes. There are no long application processes, no personal interviews or faxing and no waiting around for cheques to clear. At My Finance Club we transfer the money straight to your bank, so it’s ready to spend as soon as your bank makes it available to you."
Is My Finance Club right for you?
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 repay existing debt.
Your Finances
Helping you keep on top of your finances is important to us at My Finance Club. Our website offers sensible budgeting advice and links to guidance about borrowing money
Simple Application Process
Money straight to your bank, no long application processes, no personal interviews or faxing and no waiting around for cheques to clear. At My Finance Club we transfer the money straight to your bank so it’s ready to spend as soon as your bank makes it available to you.
Cost Effective
Our short term loans can be very competitive when compared to unauthorised overdraft fees and interest rates charged by the high street banks. What’s more there are no nasty surprises as our interest and fees are crystal clear. You will know in advance exactly how much your maximum repayment will be, providing you pay by your due date.
Open 247 / 365
We’ve responded to our customer’s needs and made our services available 24 hours a day, 7 days a week and 365 days a year – yes, that’s including Bank Holidays! – via our online and mobile website access. Our only requirements are that you are a UK resident, aged 18 to 65, and have income sufficient to meet our guidelines for the loan you need.
Client Care
Our dedicated Customer Support Team is here to help. In addition to the information under My Account and FAQ, relax in the knowledge that if you have any questions at all we’re just an email or phone call away. We have planned our support hours so we’re available when our customers are most likely to need assistance and if you have a question we haven’t already answered on our website, you can get in touch through Contact Us.
Rebuilding Your Credit
We understand that a good credit history goes hand in hand with securing and enjoying a better financial future. We report credit reference information, which includes payments you’ve made and payments you’ve missed, as such when payments are made on time your credit file will improve. Building or rebuilding your credit profile may provide you with opportunities you may not have had previously. If you want to know more about credit reference reporting see our Privacy Policy.
Mobile Cash
We aim to transfer the money you need to your bank in minutes so it’s ready to spend as soon as your bank makes it available to you. In addition, our returning customers enjoy our fast track SMS text process to borrowing money. All it takes is a couple of minutes to text in your request and the cash is on its way to you.
Ready for another loan from us? Apply by Text!
Once you’ve had one loan from us and repaid it, applying again can be done quickly and conveniently by SMS text message. It couldn’t be any easier.
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Request a loan
Simply send us a text message to 60075 with the words ‘LEND NAME’ and your surname eg: ‘LEND NAME SMITH’ to tell us that you’re looking to apply for another loan. In an instant we’ll conduct a few checks on your account and if you’re eligible to apply through our fast track process we’ll get straight back to you by text to guide you through the second stage.
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Select loan amount
Once you’ve received a text confirmation that you’re eligible, our instructions will prompt you to text a reply with the words ‘LEND AMOUNT’ and the amount required eg: ’LEND AMOUNT 400’ to confirm how much you want to borrow. Your application will then be assessed immediately.
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Accept Terms & Conditions
Just click the URL we sent you to review and accept the Terms & Conditions.
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Receive your loan
With the application process successfully completed we’ll release and transfer the funds to your bank and it’s ready to spend as soon as your bank credits your account. That really is all there is to it.
About us
My Finance Club products are designed with today’s demands in mind and you can expect our service to be second to none. We know how important it is to keep money matters simple and convenient.
Applying
Our service is online from start to finish. You just need to decide how much money you want to borrow and how many days you need it for. We’ll then show you the full cost of repayment and, once you’re happy, just click apply. All we ask for is some personal details and banking information; we then promise to provide an answer in seconds. If approved we will send the money in minutes and will confirm when the money has been sent. In our experience it is usually made available to you by your bank in no more than 30 minutes. On your chosen date we collect repayment through your debit card, leaving you to just ensure the required funds are available in the designated bank account. For more information, check out How it Works.
Transparency
We will always tell you upfront what the total cost of repayment will be. Our service has a Representative APR of 1299%, a calculation which reflects total interest and charges over a period of 12 months. My Finance Club loans are designed to be short term so we display a representative example of the cost of our loans to show you a clear breakdown of interest and fees. Our rates of interest meet the latest FCA rate cap requirements, this means you will never pay more than 0.8% interest per day and never pay back in interest and charges more than the original amount borrowed. If you want to learn more about this please see our FAQ or How it Works sections. All of this information is provided so you can make an informed judgement about the total cost before you apply.
Responsibility
Our commitment to responsible short-term lending is based on our flexible, straightforward, fair lending policy. We’re in the business of lending money responsibly, preferring to lend you only as much as you need for only as long as you need it. We encourage and enable you to pay the minimum amount of interest by allowing early repayment with no fees or hidden penalty charges. We ask you to think very carefully before you apply, because we do expect you to repay us when you promise to. For your peace of mind, My Finance Club is authorised and regulated by the Financial Conduct Authority – Reference Number (FRN) 674521, ICO Registration Number Z2382153 – and we are completely UK based.
Promises
The only way the total cost of repayment would change from our original calculation is if you don’t keep your promise to pay on time. To keep the cost as agreed you merely have to ensure enough funds are available in your bank account for us to take the payment on the agreed date. Our interest is charged daily. If we can’t recover the money as agreed your account may be passed to an external collections agency and information will be sent to Credit Reference Agencies (CRAs) who record information for six years. For full details on what happens if you default see our FAQ page. You will be given the opportunity to read the full terms and conditions of any loan in full before you sign. We strongly advise against applying if you don’t think you can repay.