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Pounds to Pocket now lends under the name On Stride Financial, offering more funding options for qualified applicants. Visit On Stride Financial's Website to learn more and apply today!

Our Alternative to Traditional Payday Loans

How much do you want to borrow?

On Stride Financial is rated 4.8 out of 5 by Reviews.co.uk based on 1,252 reviews

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
Representative Example: Amount of credit: £550 for 7 months at £122.43 per month. Total repayment of £857.02. Interest: £307.02. Interest rate: 150% pa (fixed). 313.1% APR Representative.

Get More with a Payday Loan Alternative from On Stride Financial

At On Stride Financial, we know that the time you have to repay can make the difference between an affordable loan and unaffordable debt. That's why we offer instalment loans, an alternative to traditional payday loans. Our instalment loans come in amounts large and small — if approved, you can borrow as little as £150 or as much as £5,000, depending on your application. So while our loan amounts can be the same amount as a payday loan, customers have a considerably longer amount of time to repay. With On Stride Financial, you choose a payment schedule of 6 months to 3 years.

What's the Difference Between a Payday Loan and an Instalment Loan?

As we started to explain above, the difference between a payday loan and an instalment loan is the amount of time to repay and the number of payments arranged by the lender. In most cases, payday loans are designed to be repaid in one repayment (often on a customer's next payday). Instalment loans come with a series of scheduled repayments and typically in higher amounts.

How Does On Stride
Financial Work?

When applying for a loan from On Stride Financial, you submit your application to receive a decision. If approved, you select the loan amount and repayment schedule that works best for you based on what's available. You can choose to repay over a period of 6 months to 3 years, allowing you to set up a calendar of set repayment dates with fixed repayment amounts. Then, you get your money sent within 10 minutes after approval!§ To learn more about our application requirements and repayment options, check out our How It Works page.

Should I Choose
On Stride Financial?

The most important aspect of finding a loan is doing your research, ensuring the lender you choose can help you with your unique financial situation. Consider your needs (loan amount, loan use, etc.) along with what exactly you're capable of handling (repayment amounts, loan duration, etc.). Once you have a good idea of your unique needs, you can find a lender that fits. If you're looking for a flexible lending option, with loan amounts up to £5,000 and repayments from 6 months to 3 years, apply today!

FAQ About Payday Loans and Instalment Loans in the UK

What should I look for when choosing a payday or instalment loan provider?

Whether you are looking for a payday loan or instalment loan, there are a few things you should look for to make sure the lender is trustworthy and secure.

Direct Lender

Direct lender: Some online lenders will make it appear as though they offer loans themselves, but what they actually do is sell your information. These companies are required to state on their website that they are not a direct lender — they are "a service to provide you with a loan."


Authorised: Lenders in the UK are required to be authorised by the Financial Conduct Authority. Look for the registration number on their website.

Privacy policy

Privacy policy: If a company doesn't have a privacy policy, it may be a red flag that the company is less than reputable.

Identity security

Identity security: Before you apply, check to see that the company uses security technology like VeriSign Secured or McAfee Secure to protect your personal information.

Industry best practices

Industry best practices: Make sure the lender you choose is a member of organisations like the Credit Industry Fraud Avoidance System (CIFAS) and Consumer Finance Association (CFA). If you see these logos on the lender's site, then they follow the industry's best practices.

How does the cost of a payday loan compare to the cost of an instalment loan?

The interest rates and APR for a payday loan are considerably higher than those of an instalment loan, but because instalment loans are paid back over a longer period of time (with more payments) — and are generally for higher loan amounts — the total cost of the loan is often higher than the total cost of a payday loan.

Does On Stride Financial provide loans to customers outside of the UK?

On Stride Financial only serves customers in the UK. If you live in America and are interested in a loan, please check out CashNetUSA's payday loans.

Payday Loans Online Through QuickQuid

If an On Stride Financial instalment loan doesn't quite match what you're looking for, we'd like to recommend our partner site QuickQuid. QuickQuid's payday loans have been provided to more than 1.4 million customers since 2007.