Terms and Conditions

Before using our website please check out our terms and conditions to ensure you are happy with them and it will help you understand what we do and our services to you. 

Please note, using our website means you agree to our terms and conditions. If you do not, please do not use this website. 

Sometimes we may need to change our terms of service but will notify you of these changes and you may request the original version of the terms of conditions.

  1. Website Use

Pales Payday Loans is registered in England and Wales . Our registered trading address is. We are regulated and authorised by the Financial Conduct Authority and our registration reference.

We are a licensed credit broker and not a lender.

  1. What we do

We are a credit broker that connects you to lenders and are authorised to do so by the Financial Services Authority. 

We strictly follow data protection compliance directives from the ICO (Data protection act 1998).

  1. Our services

We advertise other services credit deals and connect potential borrowers directly to lenders or with other credit brokers. We connect borrowers with both secured and unsecured loans. So that we can best handle your enquiry we require you to fill in an application form and this is then sent to other brokers and lenders. You can visit our privacy policy to fully understand how we handle your data.

We cannot guarantee a successful outcome of any loan and the decision rests with lenders as to how they act on your application. Any information provided on this website is for illustration purposes only. We do not make any final decisions, we are a broker. Not a lender and we do not credit check you.

Generally we do receive a brokerage fee from lenders for connecting you to them. We do not charge a fee for these services but may charge fees for other services we provide. We are not involved in or obligated by any contract you make with the lender. The terms of this arrangement are for you and the lender only and you must ensure you are legally eligible for their service. We accept no responsibility for checking the information you provide us.

  1. Credit checks

We do not carry out any credit check. We are are a credit broker and not a lender. Normally lenders will carry out a soft search that doesn’t leave a footprint on your credit profile first. If you accept an offer then they will perform a hard credit check to ensure you meet their criteria and can afford the loan.

  1. Third party websites and links

We accept no responsibility for content we link to. Once you leave our site please ensure you carefully check their terms and conditions to ensure you are satisfied with them. We cannot control any content or information on third party websites and links and accept no loss or damages as a result of using them.

  1. Information we provide you

We make every attempt to ensure information on our website is factually correct, transparent, and honest. We want you to make informed decisions on the products we advertise and as a result we will need to update our information to ensure its accuracy from time to time.

  1. Financial Advice

This website is not intended to provide you with financial advice. No information we provide should be deemed to be professional advice and should not be taken as such.

  1. Our Liability

We do not accept any responsibility or liability for loss or damage that you may incur by using our website or indirectly using it in these circumstances:

– The information we provide you is not correct, complete, or misleading.

– the product you use is not appropriate for your situation.

– You do not give full information to lenders or brokers.

– You do not correctly use our website.

We fully accept this does not affect our liability for death or personal injury, nor liability for fraud or misrepresentation of obvious matters, or any liability included with the FMSA 2000 Act.

  1. Hacking or misuse of this website

You must not knowing transmit or upload data to our servers with harmful viruses or trojans with the intention of malice. You must not interfere with our website in anyway that might adversely affect other clients. 

  1. Complaints

You have the right to complain if you feel we have not delivered as would be expected of us. Please use our complaints page where we will help you with your complaint in a timely manner.

  1. Applicable Laws

We are bound by the laws and Jurisdiction of England and Wales. You agree to be accessed and judged by these courts in the event. We shall be governed by England law.

  1. Information Copyright

All information, pictures, content, and data on this website is owned by Pales Payday Loans. All rights are reserved.

  1. Contact us

We are contactable in writing at our registered office:

Pales Payday Loans is registered in England and Wales. Our registered trading address is:

71–75 Shelton Street, Covent Garden, London, WC2H 9JQ

You can contact Pales Payday Loans at the address provided or by email: complaints@pales.co.uk