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Get a Payday Loan

Get a Payday Loan

If you’re struggling financially and need a helping hand to tide you over, why not get a payday loan? It can really help to boost your funds when you have an unexpected expense than cannot be covered until payday, and it’s simple and easy to apply for-what’s not to love?

What is a payday loan?

A payday loan is a short term, high interest loan that is designed to tide you over until payday and be repaid in a short space of time. You can get a payday loan at any time, for any reason-ideal for those times when funds are short and payday is still a way off.

How to get a payday loan

This is the really easy part! All you need to do to get a payday loan is:

-Be over 18

-Have a proven income (this is to ensure you can repay your loan without getting into financial hardship)

-Be a UK resident

-Have access to the internet

-Have a bank account

It’s that simple! Once you have decided that you need to get a payday loan you can apply-the added bonus being that you do not have to wait around in a bank for hours and sift through mountains of paperwork-and the fact that the whole application process takes place online makes it simple, easy and convenient.

When to get a payday loan

When you have an unexpected bill or expense in the days or weeks before payday, a boost of finances can be a really welcome helping hand. Emergencies can crop up at any time-and they have a habit of doing just that in the tight times before your wages arrive! When your car decides to break down and you still need to be able to get to work, or when you need to suddenly repair part of your house, or the cat falls ill and you can’t afford the treatments-these are all great reasons to get a payday loan. 

However hard we try to be responsible and save our pennies for a rainy day, emergencies do happen. With a payday loan you don’t have to specify a reason for your need, as you would with a bank loan, you can just apply and be approved, no questions asked-ideal for those times when you need money fast.

Who Can Get a Payday Loan?

Just about anybody can apply for and get a payday loan. Whether you’re someone with a pristine credit rating or someone who has never taken out a loan in their life, or someone who has bad debt and been refused by other companies, chances are you will be approved and will be able to get a payday loan. Don’t be put off applying for a payday loan just because you know you have a poor credit rating; although payday loan companies carry out credit checks, the majority of people will be approved and will be able to get a payday loan.

Repaying your payday Loan

One of the most important things you must do is ensure that you are able to repay your loan within the agreed timescale. When you apply, the first thing you should do is make sure that you are sure that you will have the funds to repay the amount you borrow by the time agreed or you will find yourself In financial difficulty. When you get a payday loan you will notice that the interest rates are terrifically high; this is because the loans are designed to be repaid within a shorter timescale than most other loans-days or weeks instead of years-and if you do not repay on time than you may find yourself worse off than you were before. 

But you are a responsible person, right? You work to ensure that your finances are as healthy as they can be, and you know that you need to repay on time, so I won’t go on about it-just bear in mind that you need to ensure that you can repay your loan even BEFORE you click on that magical “apply now” button.

When can I get a payday loan?

Absolutely any time of the day, night, weekend or bank holiday, that’s when! Even when other financial trading has closed its doors and gone to bed, you can still apply for and get a payday loan. The hours of trading are one of the most attractive features of a payday loan company; literally any time of day or night, as long as you have internet access you can apply and be almost guaranteed approval.

Get a Payday Loan Anytime

When you are struggling for money, there are many options. The most common form of borrowing is to borrow from family, from friends or from a bank-but these options do have their downsides. Family and friends may be in the same boat and be unable to lend you money, and a bank loan may be impractical due to a poor credit rating or the fact that they only operate during office hours. When you get a payday loan, the great thing about it is that you can apply at literally any time of day or night, for any reason whatsoever!

The majority of the online payday loan companies operate during office hours, evenings, banks holidays and weekends-ideal for those times when you need money and cannot get it from any other source.

Get a Payday Loan

When you get a payday loan you will be amazed at the speed and ease of applying and being approved. The fact that it is so easy to apply for and get a payday loan makes it one of the most attractive short term borrowing schemes out there, and it can really help when you are in a tight financial spot. All you need to do is make sure that you can repay whatever you borrow within the agreed time, and you too will join the millions out there who are using payday loans to help them in times of money strife.

 

Online Application

1. Apply Online

2. Decision Online

3. Loan Transferred

  • Borrow up to £1000.
  • Simple one page application.
  • All circumstances considered.

 

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APR Explained

Rates between 45.3% ARR to maximum 1575% APR

Representative 277.6% APR

Representative Example:

Amount of credit: £850 for 11 months at £146.30 per month.

Total repayment of £1,609.25. Interest: £759.25.

Interest rate: 150% pa (fixed). 277.6% APR Representative.

APR rates range from 45.3% APR to 1575% Max APR. Your APR rate will be based on your circumstances.

FCA Reference Number: 747184

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