The UK Cards Association
- Company typePrivate
- Founded2017
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
The UK Cards Association firmographics
Firmographics- Name
- The UK Cards Association
- Legal name
- Chojin Ltd
- Website
- https://theukcardsassociation.org.uk
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
The UK Cards Association industry classification
Industry- Product category
- Credit Brokerage Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
- akta.pro secondary industries
- Cash Advance (Online & Storefront) (FSAKAMAC), Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH), Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
Keywords
Where The UK Cards Association is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
The UK Cards Association business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Marketing or Sales, Technology or R&D, Personnel, Operations, Others
Revenue model
- Brokerage Commission: WageDayAdvance receives a commission from lenders in their network when a successful loan match is made. The company acts as an intermediary, connecting borrowers with lenders and earning a referral/advertising fee for the service.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Payday Loans (Short-term) |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
The UK Cards Association product offering
Product offeringCore offering
Online credit brokerage that matches UK consumers applying for short-term loans with a network of FCA-regulated direct payday and short-term lenders. The platform processes 100% online applications in approximately 2 minutes, performs a soft-search eligibility check, and routes matched applicants to lenders offering loans from £100 to £5,000 over 1 to 36 months, with same-day payouts subject to lender processing.
Differentiator
Problem solved
Functional benefit
Products and services
- Online Credit Brokerage Service 100% online credit brokerage that matches UK consumers applying for short-term loans with a network of FCA-regulated direct payday and short-term lenders, processing applications in approximately 2 minutes with instant on-screen decisions and same-day payouts from partner lenders.
Companies that use The UK Cards Association
Customer profileSegments2 records
Ideal customer profiles1 record
The UK Cards Association technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
The UK Cards Association partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- UK Direct Payday Lenders NetworkcoreWageDayAdvance partners with a network of reputable UK-based direct payday lenders. All lenders in the network are FCA regulated and specialize in helping borrowers with bad credit. The company receives a commission from lenders when loans are facilitated.
Scale indicators1 record
The UK Cards Association competitors and assessment
Company assessmentDirect peers
- Cashfloat: UK-based FCA-regulated credit broker and short-term lender specialising in payday and instalment loans for bad-credit borrowers. Directly comparable to WageDayAdvance in product range (£100–£5,000), online PLG funnel, and soft-search eligibility model.
- 247Moneybox: UK online payday and short-term lender/broker offering same-day payouts with bad-credit acceptance. Comparable in instant-decision online model, FCA regulation, and subprime target segment.
- Moneyboat: FCA-authorised UK payday and short-term instalment lender/broker with bad-credit focus. Comparable product envelope (£200–£1,500), term range, and subprime borrower target to WageDayAdvance.
- Sunny Loans: UK online broker and lender offering short-term and instalment loans from £100 to £2,500 with bad-credit acceptance. Closely mirrors WageDayAdvance's positioning, broker-led matching flow, and nationwide online distribution.
- PiggyBank: UK online short-term lender offering instalment loans up to £1,500 for bad-credit borrowers. Comparable in product mechanics, FCA regulation, and bad-credit subprime positioning.
- QuidMarket: UK FCA-regulated short-term instalment loan broker for bad-credit applicants with flexible 3–12 month terms. Directly comparable customer segment and broker-led application flow.
- Mr Lender: UK FCA-authorised credit broker offering payday and short-term instalment loans with bad-credit acceptance. Comparable in product range, regulatory status, and online PLG distribution.
Broad incumbents
- Zopa: UK digital bank and consumer lender offering personal loans with soft-search eligibility checks. Adjacent competitor for near-prime online personal loan demand; serves a higher credit-quality segment but competes for the same "quick online loan" search traffic.
- Amigo Loans: Larger UK guarantor and subprime lender operating nationwide with broader product range and brand recognition. Comparable end customer (credit-excluded borrowers) but operates as a direct lender rather than a pure broker, and at materially larger scale.
- MoneySupermarket (loans channel): UK's largest price-comparison site with a soft-search personal loan aggregator funnel. Competes for the same organic search demand and consumer credit-shopping intent as WageDayAdvance, but operates at significantly larger scale and broader product scope.
Market position
Customer concentration
The UK Cards Association social profiles
Digital presenceThe UK Cards Association compliance and trust
Trust signalCompliance2 records
The UK Cards Association financial estimates
Financial estimateRevenue estimate
Valuation estimate
The UK Cards Association leadership team
Management profileNumber of profiles
The UK Cards Association funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The UK Cards Association M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The UK Cards Association
What does The UK Cards Association do?
Online credit brokerage that matches UK consumers applying for short-term loans with a network of FCA-regulated direct payday and short-term lenders. The platform processes 100% online applications in approximately 2 minutes, performs a soft-search eligibility check, and routes matched applicants to lenders offering loans from £100 to £5,000 over 1 to 36 months, with same-day payouts subject to lender processing.
Is The UK Cards Association a public or private company?
The UK Cards Association is a private company. It is classified as unknown and is currently operating.
When was The UK Cards Association founded?
The UK Cards Association was founded in 2017. It employs 11 to 50 people.
Where is The UK Cards Association based?
The UK Cards Association is headquartered in London, United Kingdom, in the Europe region.
How does The UK Cards Association make money?
One revenue line is on record: brokerage Commission.
Who are The UK Cards Association's main competitors?
Direct peers on record are Cashfloat, 247Moneybox, Moneyboat, Sunny Loans, PiggyBank, QuidMarket and Mr Lender. Broad incumbents are Zopa, Amigo Loans and MoneySupermarket (loans channel).
Does The UK Cards Association have an API?
No public API is recorded for The UK Cards Association.
What industry is The UK Cards Association in?
The UK Cards Association's product category is Credit Brokerage Services. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching), with a secondary code of FSAKAMAC, Cash Advance (Online & Storefront). Its NAICS code is 522310 and its SIC code is 6163.