1st Class Loans is an online payday loan broker in the UK. 1st Class Loans matches customers to FCA approved lenders in the payday loan industry for FREE. Yes, we don't charge any fees and we can help customers get the lowest rates from around 40+ lenders. To apply for a payday loan in the UK you need to be over 18, living in the UK, have a UK bank account and have an income. Payday loans can lead to money problems. Please only take the loan out if you can make the repayments. Not making the repayments can damage your credit history and leave you with a CCJ. For more information about payday loans please visit our website www.1stclassloans.co.uk for more information. Please only take a payday loan as last resort.