Flexible loans

Repay monthly on your pay date

Rated 9.3/10
by more than
1500 customers

Show example

You can borrow UP TO £[[product.limits.upper_limit]]
Rate [[product.interest]]% per day

You can borrow UP TO £[[product.limits.upper_limit]]
Rate [[product.interest]]% per day


Borrow: £300 for 90 days Interest: £144.06 Total to repay: £444.06 Repay in 3 instalments of £148.02 each. Annual interest 274% (variable). Representative 1081% APR.


Repay early and save money
A late payment charge of £15 is added 3 days after due date
You should only borrow what you can afford to repay
Short term loans may not be suitable for long term borrowing
Loans for over 18's only and are subject to status

"No nonsense, transparent lending."


4 simple steps to borrow with MYJAR.

1 Apply for a loan

Click APPLY to start application. Once completed we will present you with your personalised loan options.

2 Complete
application form

Keep the PIN handy we send you by text. At the end of the application form you will need to enter this.

3 Your payment

Choose the loan term and amount that suits you best and click BORROW.

4 Your loan is being

Once your loan is requested we'll send the money to your bank account within 15 minutes.

Tips on how to make the right
borrowing decisions

Make sure your loan is affordable

MYJAR uses the information that you provide about your income and expenditure, along with information from a credit reference agency, to make sure that what we lend is affordable for you to maintain the contractual repayments. However, you should also check that the repayments are manageable alongside your other credit commitments and your usual monthly expenses. You should also consider how long you want to borrow the money for as a shorter term loan may not be suitable, if you want to borrow for a longer period of time.The independent Money Advice Service has a really simple to use budget planner.

For longer term loans, it is important to consider how your circumstances might change over the next 6 or 12 months and what this might do to your ability to manage financially. This is important because, late payments on loans can lead to extra costs and fees. It may also affect your ability to obtain further credit from MYJAR and other lenders in the future.

What is the best loan term to choose
When choosing how long to borrow for, you should consider the following:
  • How much you want to borrow
  • What you can afford to repay each month
  • Duration and number of repayments
  • The total cost of the full term of the loan
  • The interest rates available to you

The rate of interest itself is an important factor, but you always need to think about the total amount that you will pay over the whole term of the loan. For example, a shorter term loan with a slightly higher rate of interest might cost you less overall than a longer term loan even at a lower rate.

Alternatively, if you borrowed a larger amount over a short period time the monthly amount may not be affordable, so you would be better repaying smaller amounts over a longer term and taking advantage of a lower interest rate.

How can I reduce the cost of borrowing

At MYJAR we only ever charge interest on what you borrow. You might find therefore, that if you can afford to make early payments from time to time, the overall cost of your loan can reduce considerably. It will also help to pay the loan off sooner.

Why are you borrowing

Before you borrow you should stop to think if borrowing is the best option for you. You may be taking a short term loan to pay an unexpected, essential bill or you may decide that you can move some or all of your existing borrowing to MYJAR to take advantage of a better deal but borrowing to purchase a non essential luxury item or a night out might not be such a good decision.

It always pays to shop around. Look at the deal that really suits your situation. It takes only a few moments but it could save you a lot in the long run.

For more details click here  |  FAQ  |  Back to the top


Access longer and larger loans at lower rates.

Move up the MYJAR ladder by repaying your loans on time.

Your MYJAR credit score determines which jars you can access and the amount that is affordable to repay each month.

APPLY now to see your personalised jars.

Welcome to myjar

We've been in business since 2009 and issued over 1.5 million loans.

At MYJAR we have always worked a little differently to other short-term loan providers. We have never given rollovers and always offer support when our customers tell us they need a helping hand.

We help people manage their finances by lending small amounts. Customers who borrow responsibly become eligible for longer loans and better rates.

Small simple loans

We're flexible: Pay us back when it best suits you

We're responsible: We will always carry out affordability checks

We're fair: There are no hidden charges

We're there: You can get in touch 7 days a week

For more details click here  |  FAQ  |  Back to the top

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Data security – how safe is your data?

It seems like almost every week we hear new reports of fraudsters hacking into websites to steal customer information as well as cases of theft or loss of laptops and computer disks containing masses of personal data. However, it can be really difficult to know what that means for us as individuals and what we can do to protect ourselves.

Read On  

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Money jar with light bulbs

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk