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Representative for a Payday Loan Example is as follows: A ÂŁ150 loan borrowed for 20 days would be repaid on the repayment due date, by a single payment of ÂŁ180 which would be the total amount payable. Representative 2672.8%APR. At fixed rate 364.25% per annum. [link widoczny dla zalogowanych] Even the application process for these loans is simple. You just need to fill out the application form and submit it on the net. This way, you do not even require visiting the lenderâs office in person to apply for the loan. If you have an Internet connection, you can easily apply for the payday loans from your home or office. As soon as you complete the application form and submit it, the amount will be there in your account in a few hours. The loan repayment is as easy as the application. The repayment is done electronically via wire transfer, electronic bank withdrawal, or other electronic payment methods.