No, Just a simple online application needed.1294.1% APR Representative Example: Borrow: £300 for 90 days Interest: £144.06 Total to repay: £444.06 Repay in 3 instalments of £148.02 each. Annual interest 274% (variable). Representative 1294.1% APR.

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Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

Most customers get the cash deposited into their bank account on the very same day but some banks may take 24-48 hours to clear the funds.

We will not automatically reject your application due to a poor credit history. We consider every application on its own particular merits, taking into account all relevant factors; these factors will include the potential borrower's credit history, along with their employment history and other circumstances. Please check out our blog post on credit score and bad credit score / history.

No, borrowing from us won't affect your credit rating unless you fail to repay on the agreed due date. All we ask is that you repay your loan on time.

We need your name and current address, what you do for a living, some details about your income, your bank details, your email address and a contact phone number. That's it!

Yes, you need to have your own UK bank account with an active debit card.

Just a normal debit card transaction using your debit card is fine or direct debit.

You don't have to repay your loan until your repayment date. Loan terms between 1 to 12 months1294.1% APR Representative Example: Borrow: £300 for 90 days Interest: £144.06 Total to repay: £444.06 Repay in 3 instalments of £148.02 each. Annual interest 274% (variable). Representative 1294.1% APR.

1294.1% APR Representative Example: Borrow: £300 for 90 days Interest: £144.06 Total to repay: £444.06 Repay in 3 instalments of £148.02 each. Annual interest 274% (variable). Representative 1294.1% APR. Read more on What is APR

In accordance with the requirements of Part 4 of the Payday Lending Market Investigation Order 2015, effective from 13 August 2016, Lenders must ensure that we provide our customers with a summary of the cost of borrowing. This summary is made available to you when:

You settle the balance of your loan with us; or
Your account with us is closed as a result of default or forbearance; or
Three months have passed since you last made a payment to us and we have not closed your account.


Your summary is made available to you at the latest within one working day of the event described above taking place and you will receive a notification email informing you of this.

Struggling with your payday loan repayments?
If you are unable to make the loan repayment of your loan please call us or the lender you entered into the credit agreement with. If you don’t the lender aware of your financial circumstances and you miss a payment or default on your loan, you may incur additional charges. If you default on your loan this could also have a negative impact on your credit score, which could make it more difficult for you to borrow in the future. There are a number of things you can do for yourself, or with our help if you’re falling behind on your repayments:

You can see what repayments you’ve missed and what repayments are still due by logging into your personal login area.
You can catch up on part (however small) or all of your missed repayments online using your debit card
Give us a call on 02079930742 to tell us about your circumstances and set up a new, affordable, repayment plan
If at any time you want free, independent financial advice there are a number of organisations that can help you. We’ve listed them below.

Free Debt Advice

Debt advice and assistance can be obtained free of charge from several organisations including:

• National Debtline – phone 0808 808 4000 – visit www.nationaldebtline.org 


• StepChange Debt Charity – phone 0800 138 1111 – visit www.stepchange.org 


• Citizens Advice – visit www.citizensadvice.org.uk 


• Direct Legal Service – visit www.clsdirect.org.uk 


• Money Advice Service – phone 0300 500 5000 – visit www.moneyadviceservice.org.uk

Payday loans are used for short-term advance of cash into your bank the very same day or after. They are mini short term loans that can help you in tight / emergency situations. Read more on payday loans

Installment loans are cash advances which are financially regulated by the FCA. These are loans that can be repaid over a term of more than 1 month as opposed to a single one-time repayment. Terms can vary but usually limited between 2 to 12 months and the loan amount can be from as little as £100 to £5,000. Usually, it is better to pay in sizable chunks rather than a single one. Interest rates may vary based on the loan amounts and also the loan term. Read more on payday instalment loans.

We consider all types of credits, good or bad credit history, bad credit rating or bad credit score. Bad credit history does effect your application in other high street insituations with mainly bigger products, such as personal loans, overdrafts, credit cards, etc. Here, direct lenders take into account your current loans you may have and most importantly, affordability. Please check out our blog post on credit score and bad credit score / history.

When you take our a loan with any financial company who are regulated by the FCA, you are bounded by its terms of their contracts that you would have signed before the cash advance was released into your bank. Therefore, are you will be in contract, the repayment of the loan must be fulfilled by the end of the loan term.

If you can't pay your loan off as agreed in terms of your loan agreement, lenders can help you. Various options may be available to you such as freezing charges, holding off collecting your repayment, payment plans. If at any time you want free, independent financial advice several organisations can help you. We’ve listed them below.

Free Debt Advice

Debt advice and assistance can be obtained free of charge from several organisations including:

• National Debtline – phone 0808 808 4000 – visit www.nationaldebtline.org

• StepChange Debt Charity – phone 0800 138 1111 – visit www.stepchange.org

• Citizens Advice – visit www.citizensadvice.org.uk

• Direct Legal Service – visit www.clsdirect.org.uk

• Money Advice Service – phone 0300 500 5000 – visit www.moneyadviceservice.org.uk

yes, there are several lines of credit to use which may be suited to your current financial situation such as Instalment Loans, Credit Unions, Credit Cards, Bank overdrafts, Advances from Employers. However, some of these listed as alternatives may not be advance cash into your bank and may not be right for you depending on your current financial situation. click here to read more.

18 years or older, have a valid UK bank account, regular monthly income at least £600 and have a valid email address

An unsecured loan is a cash advance into your bank without it being secured against an asset. Mortgages, hire purchases are secured loans. Payday loans are not secured in anyway. This means that you fail to make payments towards your unsecured loan such as a payday loan, you would not have to worry about your assets being taken away.

Struggling with your payday loan repayments?
If you are unable to make the loan repayment of your loan please call us. If you don’t make us aware of your financial circumstances and you miss a payment or default on your loan, you may incur additional charges. If you default on your loan this could also have a negative impact on your credit score, which could make it more difficult for you to borrow in the future. There are a number of things you can do for yourself, or with our help if you’re falling behind on your repayments:

You can see what repayments you’ve missed and what repayments are still due by logging into your personal login area.
You can catch up on part (however small) or all of your missed repayments online using your debit card
Give us a call on 02079930742 to tell us about your circumstances and set up a new, affordable, repayment plan
If at any time you want free, independent financial advice there are a number of organisations that can help you. We’ve listed them below.

Free Debt Advice

Debt advice and assistance can be obtained free of charge from several organisations including:

• National Debtline – phone 0808 808 4000 – visit www.nationaldebtline.org 


• StepChange Debt Charity – phone 0800 138 1111 – visit www.stepchange.org 


• Citizens Advice – visit www.citizensadvice.org.uk 


• Money Advice Service – phone 0300 500 5000 – visit www.moneyadviceservice.org.uk