Deciding on which loan you should use for your family vacation

Sometimes, even when we plan our budget, we miss out on something. This could be due to too much stress, too many activities, or tiredness. You've allocated a portion of your salary for everything except for one item that needs urgent attention. When this happens, and you find your funds depleted, what should you do? When you find yourself backed up into a corner, you can find a way out by making a payday loan.

A payday loan is a short term and unsecured loan that anybody can easily avail of. There are several financial / lending institutions, apart from banks, that offer payday loans to their clients. When you secure a payday loan, you will have access to a few hundred to a little over a thousand pounds - enough to cover that little forgotten bill plus a little extra to last you until your next payday.

Payday loans can be obtained by filling up an application form, some of which are even available online. If you meet the requirements of the financial institution, your payday loan would be approved (usually within 24 to 48 hours) and the money you need will be deposited into your savings account. Payday loans are usually due for payment on your next payday (thus the name). In case you need to make a roll over, you can easily do so, but this may entail an additional charge. Some companies do not allow rolling over, so before you apply for a payday loan, make sure that you read all their terms and conditions.

Settling your payday loan is also easy to do. Some lending institutions will accept personal checks, whereas some would prefer that the loaned amount be deposited directly in their account. Still, some companies would rather debit the loaned amount from your savings account. The choice is all up to you and this flexibility is what makes instant payday loans such as this and cash advance loans, viable options for people.

How it works

In need of a few extra dollars? Here's how to get started.

-The first step is easy! Simply fill out our short application form to be pre-approved in just a few seconds.
-A message will appear stating that you have been pre-approved. If you do not see this message, check your email for further verification.
-Send in a copy of your most recent pay slip.
-Be sure to contact one of our customer care representatives either by free phone or by live online chat. This information will be provided to once you submit your application.

Once all your information has been verified, your loan will be sent out to your account. You may even receive it as early as the same day. Financial relief has never been easier!

Am I eligible for a payday loan?
You will be eligible to payday loan with as long as you meet the following criteria.

  • Be at least 18 years of age
  • Reside and be employed in the United Kingdom, Northern Ireland, Scotland, or Wales.
  • Receive your pay by direct deposit.
  • Make a minimum of £300 each payday, after all taxes and deductions.

Payday Loan FAQ

Does your company do credit checks?

We do not do any kind of credit check; Applicants are approved based on the fact that they are employed and are paid by direct deposit.

What if I have bad credit, or no credit at all?

That doesn't matter to us. When the bank, credit card company, or finance company says "No" - we say "Yes!"

How much money can I be approved for?

First-time customers can borrow £ 300 (return customers can borrow up to £ 1000) until your next payday. The amount is based on your take home pay.

How long do I have before I have to repay the loan?

All of our loans can be out for a maximum of 30 days, and the repayment date is always set on your pay date.

What types of fees are involved?

Our fees are very competitive and in fact are lower than many other on-line payday loan providers at £ 29 per £ 100 borrowed.

How long will it take for you to get the money to me?

We electronically deposit the money right into your bank account overnight - it's that easy!

I don't live in United Kingdom, can I still apply?

We only accept applicants from United Kingdom.

What can I use my payday loan for?

Use your money for whatever purpose you wish. If you have some bills due, something you need to buy, or just want to have some fun! Your loan is for you to use as you wish.