I applied for a Payday loans last year because I had cleaned out of money, it was truly tricky for me. I am called is Mutumba I am to the UK and no bank would say yes to my enquiry because I didn’t hold a credit history here. Thus I asked for a wage day advance, it was really trouble free and the loan company website was very simple to navigate. However I did not see that the interest rate on the payday loan was very big – it was distinctly difficult to repay the payday loan and I ended up in deficit for much longer compared with what I had anticipated. pay day loans are cool though as the merchant usually does not care about your credit score.