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We work with several leading Loan Specialists and send your application to one at a time, until your loan is approved. If you are approved by our first Loan Provider, then we won’t send your application to any others, which means the chances of having your application accepted, are far higher than if you were to approach just one lender.
No. As with any loan application, our Loan Providers will look at your current financial circumstances, to ensure you will have sufficient funds to cover your PayDay Loan or Unsecured Loan repayment, and meet your other financial commitments.
For a PayDay Loan, our Loan Providers will use your Current Account Debit Card, and unless you organise an extension, will collect the loan amount and the interest from your bank account on your pay day.
For repayment of an Unsecured Loan, our Loan Providers will require monthly repayments of part of the loan and the interest. The repayment of the loan and the interest is usually split over 12, 24, 36, 48 or 60 months.
If you are applying for a Pay Day Loan you must have a Debit Card, as this is used for repayment. A Debit Card is not a requirement for an Unsecured Loan.
Yes. Provided you have a regular income paid directly into your bank account.
Possibly, since each lender has slightly different rules, so please ask your Loan Provider to explain the rules to you when you receive your first PayDay Loan. However, generally speaking, you will be asked to reduce the balance after your second PayDay Loan.
Most PayDay Loan customers can have funds paid into their account on the same day. However some banks take longer to clear funds, and in this case, the funds should show as cleared within 24 to 48 hours.
If you are applying for an Unsecured Loan you will normally receive the funds into your bank account within 2-3 weeks.
Our Loan Providers offer PayDay Loans of between £80 and £1,000, and Unsecured Loans of between £1,000 and £15,000 (subject to status). PayDay Loans are normally paid into your account on the day you apply, and the repayment is taken using your Debit Card on your payday. Same day transfer does not apply to customers with accounts in all UK banks and in some cases, transfers can take between 24 to 48 hours to show as cleared funds.
Each Loan Provider has slightly different charges, but typically PayDay Loan Providers charge around £25 for every £100 borrowed. Unsecured Loan Providers will quote you the typical APR% when you receive the offer from the lender. Some brokers may also charge a fee of between £0 and £49. You will be able to check the rates with the Loan Provider that has accepted your application, before you commit to the loan.
Some brokers may charge a fee of between £0 and £49.