How It Works

In short, we’re a payday loan broker, not a direct lender. This means that when you submit your loan application via our online form our system will automatically send your information to all of the lenders in our system in order to find someone to accept you and ultimately get you the best deal. The whole process has been designed to be entirely seamless, all you need to do is fill in the basic information on the application form and let our software do the rest. Below, you can view more information on the various elements of our system and hopefully understand how everything works.

Our Application Form

If you wish to apply for a payday loan via, all you need to do is click on one of the various blue apply buttons dotted around the site. This will take you to our online application form. The form itself has been designed to only request the information we specifically need in order to take you through the loan process. Nothing more nothing less. The whole process should take around 5 minutes providing you have the information requested to hand. You will find the form itself one of the simplest out there to fill in, a feature we’re proud of at Omacl.


On submission of the aforementioned application form, some of your details will automatically be sent to all of the lenders in our system at once. Each lender has their own software, connected to ours which can automatically determine your eligibility on the fly and should you be matched with a lender, they’ll present you with a loan offer.

Loan Offer / Acceptance

Once you have been matched with a lender, you’ll be presented with their loan offer and terms on screen. The amount the matched lender is prepared to offer you will be determined by your eligibility criteria and may be less than you originally requested. You will then have the choice as to whether to agree to the terms of the offer or simply decline it. Should you accept the offer the funds will be transferred to you.

Bank Transfer

On acceptance of the loan offer, the money will be sent direct to your bank account using the details you provided during the application process. This is also the same bank where your regular loan repayments will be taken from so it’s important that you enter the correct details. The time taken for the money to arrive will depend on the lender and your own bank.

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