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How do payday loans work? | Square Money

How it Works

If you need a short-term, payday or instalment loan, Square Money ensure that it could not be easier. Follow these three steps – tell us how much you need, tell us how long you need to repay and tell us some details. Successful applicants will then be redirected to the best lender for you to process the loan.

We are a short-term loan broker and we work only online. We have interim permission from the Financial Conduct Authority and are registered with the Information Commissioner’s Office for data protection.

It is our pledge that we will work as hard as possible to treat you fairly. We will never encourage those with previous financial difficulties or bad debts to take out new loans. We have no hidden fees or charges.

For the UK consumer Cash4loans is a loan broker website, we exclusively work online helping customer secure short-term payday loans.

As long as you fit the criteria to apply for a loan you can use our matching service, and you can do it from a PC, laptop, tablet or even you smart phone.

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7 days

You pay back:     £352.80
Total loan cost: £72.80*

NOTE: Square Money Loan is NOT a lender. Square Money is a credit broker who refer clients to an external credit broker who has established relationships with over 40 sub-prime lenders. They compare your details with these lenders and their product, and quickly match your needs with the most suitable product for you.

WARNING: Late repayment can cause you serious money problems. For help and advice go to

Square Money is clear – We will keep your data 100% SECURE if you decide to make an application for a loan with us. Data protection number: ZA007304

And we don’t just offer the traditional short-term, one-month loan. We have very close relationships with our lending partners. Working so closely with lenders means we can locate the very best deals out there.

When we find the right loan for you your lender pays us commission. We are a broker, we do not lend money ourselves. We use algorithms to match up your needs against the lenders we work with. This process is based on details you give us on your application, your preferred type of agreement and the lenders’ product. However, it does not include the commission paid to Square Money.

We DO NOT charge you a fee. Square Money will never contact you and ask you to send money or buy goods in advance of you receiving your loan funds. The same goes for all the partners we work with. If you need to find out more about cold-callers please see our fraud protection guidance page.

Instant cash loans from £80 to £750

Get an instant decision online and payment direct into your account.

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Consumer Advisory: Square Money is a loan matching service. Once your application is complete we submit the information to direct lenders. After approval lenders may require further information from you.

Square Money is not a direct lender. Terms and conditions of any loan will differ between lenders. Missed and late repayments will incur increased fees and interest rates. Not all lenders offer loans up to £750 and sadly not all applicants will qualify for the full amount they requested. Collection services may be used for non-payment of loans.

We do not directly lend money, we provide a FREE loan matching service to the public.

Representative 1223.6% APR

Representative Example: 1223.6% APR variable. £100 borrowed over 30 days would equal total borrowing of £124.00. Actual Interest is 24%.

Note: the APR you pay may differ depending on the lender that accepts you.

Square Money is a trading style of Atlantic Square Limited registered in England and Wales, company registration number SC182075. Atlantic Square is authorised and regulated by the Financial Conduct Authority, reference number 659330. Registered Office Address: Caledonia House, 89 Seward Street, Glasgow, G41 1HJ.

*Fund transfer times may vary based on the matched UK money lender, time of day applied and your bank.