Warning: Late repayment can cause you serious money problems. For help and advice go to moneyadviceservice.org.uk | Representative 1269.7% APR (variable)

Advice & Information

Some FAQs

A short-term or payday loan refers to financing that has a short repayment period and is designed to cover an individual until their next pay check. The lender often charges a fixed rate per every £100 borrowed.
An instalment loan is often higher in value than a short-term loan, often between £400-2000. The repayment period is longer in duration, anywhere from three to eighteen months. These larger, longer loans often have a smaller interest rate than a short-term loan.
You can borrow anywhere from £100 to £2000 depending on your personal circumstances. Money can be in your account today!
As a loan broker, there are strict rules that govern companies like ours that dictate that we must show the Annual Percentage Rate (APR), which are calculated based on paying a certain, fixed amount of interest each year. Because short-term/payday loans are given out over a 30-day period as a maximum term, it is difficult to use APR to determine how competitive rates are, since they are based on a 12- month period, not 30 days. The lenders we work with are often more focused on the amount of money they are loaning on a short-term basis and the amount you will pay back, rather than on APR. As such, the various finance companies we work with offer competitive rates for short-term loans. This is the same reason why instalment loans have a lower APR because their repayment periods are often extended over greater periods of time.
In many cases it the funds can be with you the same day. However, in some cases it may be necessary for you to provide additional information but even when this happens it still can be taken care of on the same day.
Our loans are available to those over eighteen years of age who live in the United Kingdom, are employed and receive a regular salary, as well as have a valid bank account that accepts direct deposits. The great thing about our online application process is you can apply for a loan any time of day, seven days a week. Many of the lenders we work with operate on non-regular bank hours and can often provide your loan approval and funds in a short period of time or over the weekend. Once you fill out your application, a decision will be made and if accepted, you will be transferred to the lender directly to complete the loan process. Some lenders may have additional questions or requirements that you will need to fulfil before accepting your loan agreement.
The most important thing to remember when having difficulty paying back a loan is to communicate as much and honestly as possible with your lender. If you think you may miss a payment, be late making a payment, or need to restructure your loan agreement, this can only be done by contacting your lender directly. The finance companies we work with want to regain their funds so it is in the business and your best interest to work out a situation that helps both of you. Failing to communicate with the lender will only lead to bad circumstances for you. Remember - Late repayment can cause you serious money problems. For help or advice go to moneyadviceservice.org.uk
We can only pay your loan into the account to which the debit card you provide is registered.
All repayments are made through your debit card on your next pay date.
When submitting an application with us, we will require authorisation for lenders to run a credit check on you. Many of our lenders offer loan options for those with poor credit history and scores.
We provide a completely free to use application process to search a very wide range of lenders in one simple application. We do not charge fees to for any of our services to you the consumer.

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