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Last updated Jul 25, 2026
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UK Payday Loan Rules and FCA Cap Explained

UK payday loans are subject to FCA price caps since January 2015: maximum 0.8% interest per day, GBP 15 default fees, and a 100% cap on total cost. This guide covers the rules, the alternatives, and how to use payday loans safely (or avoid them).

16 Jun 2026 · 7 min read
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