You don't need a lender to tell you how much you would be eligible for or what kind of loan amount you can apply for. The lender will always reserve the right to approve a certain loan amount or turn down your request. Even that doesn't affect your eligibility, as long as you are accurate in your assessment.
Loan amount eligibility for payday loans and short term loans in the UK depend on just one factor. That is your ability to repay. When it is a home loan or a car loan, corporate loan or a student loan, many elements will come into play. The type of home, car, business investment or degree will be taken into consideration. From credit scores to dependents, everything will be factored in. With payday loans in the UK, you just need to have the ability to repay the loan and the interest from your next paycheck.
Let us consider a scenario that you can spare five hundred pounds from your next paycheck. You would easily qualify for a loan that along with its interest sums up to less than or equal to five hundred. If you can afford only three hundred from your next paycheck, you wouldn't qualify for a loan of five hundred dollars. However, if you are not repaying the whole loan in just one installment then you can certainly qualify for more. The installment or the repayment every month your paycheck and how much you can actually spare will be the determiner.
Don't consider your entire paycheck while assessing your loan amount eligibility for payday loans and short term loans in the UK. Deduct your rent, utility expenses, grocery bills and any other unavoidable expenditure where even austerity wouldn't help. Optional expenses must not be counted. The money you can spare as repayment is whatever you have left after compulsory expenses from your paycheck.