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Need a loan today?

Need a loan today? 

Do you need a loan today? If you’re really a bit tight one month financially it is possible to get the help that you need today. Payday loans are able to provide you with quick, almost instant cash whenever you need it. They have dramatically increased in popularity over the past few years and they’re easier than ever before to apply for. 

How a payday loan works if you need a loan today

You can apply for a payday loan online. It takes just a couple of minutes to fill in a few personal details and then you’ll receive a decision, usually within within a few minutes. The money is then transferred into your bank once approved and you’ll be required to pay it back within one month. 

The personal details you have to provide in order to be accepted for this type of loan include:

•Your age

•Employment/salary details

•Bank account details

You need to be 18 years of age in order to benefit from a payday loan. You’ll also usually need to be in full time employment. There are a few lenders who specialise in unemployed loans however so don’t let that put you off if you aren’t employed. The only group of people who may find it difficult to be accepted for this type of loan is the self-employed. Again, there will be some companies who offer self-employed loans; you just have to take your time to find them. 

It’s important that you have a bank account. The lender is relying upon you paying back the loan straight away on the agreed date. They automatically take the payment direct from your bank. It’s their guarantee that they will get paid the money you owe and without a bank account you won’t be able to have this type of finance. 

Do you need a loan today? If so you’ll first need to ensure you have a bank account to deposit the money into. 

The great thing about payday loans is the fact that they are put into your bank account within a couple of hours. Some lenders are able to give you the money in as little as 15 minutes. However, as a general rule you should always expect to wait up to 24 hours, just so you’re not disappointed. 

Can I extend a payday loan?

While payday loans are designed to only be used for one month, it is possible to extend them. You just need to think really carefully before you choose this option. This is because the interest rates are ridiculously high. You’re often looking at rates of more than 4000%. This is the annual interest rate and it only really starts to affect you if you take the loan on for more than a month. The longer you have it, the more interest you will have to pay.

It’s worth pointing out that each lender charges its own interest rates. Therefore you should compare your options before you choose one to suit your needs. As a general guideline, most lenders charge an average of £20 per £100 that you borrow. So if you were to borrow £300 you’d be charged £60 interest, taking the total to £360 to repay. When you look at it like this, the interest rates don’t seem too bad. However, when you extend the loan those rates soon add up and you could find yourself spiralling into serious debt trouble. 

When asking yourself do I need a loan today? Make sure you only look at borrowing as much as you can pay back at the end of the month.

Things to take into account when you need a loan today

Before you rush into a payday loan application, you need to really think about whether it is the right option for you. Factors to consider include:

•What your other credit options are

•Is this a short term problem?

•What is the money for?

Firstly think about your other credit options. Obviously if you need money today, a personal loan wouldn’t be a good option. The paperwork takes a while and it will usually take a minimum of a week to get the money you need. Another alternative option is a credit card. If you already have a credit card it could be a better and more affordable option to borrow the money on that. You could always enquire to the credit card provider to see if they can increase your limit temporarily. While this isn’t ideal, the interest rate is lower than it would be with a payday loan.

If you need a loan today, you need to also think about whether it will eliminate the problem. Will you just need this one off payment and then from next month you’ll be financially secure again? If you’re likely going to need to apply for another payday loan at the end of the month then you should reconsider your options. These loans aren’t designed to be used as a long term solution. It won’t look good on your credit report if you’re constantly borrowing money month after month.

Also consider what the money is for. If it’s for an unexpected bill then that’s perfectly fine. However, if it starts to become a necessity for paying standard bills, rent or food you need to think about long term solutions. The Citizen’s Advice Bureau will be able to help you find your way out of financial trouble if you are really struggling. 

Payday loans can help people that need cash quickly - just make sure you are responsible when you decide how much you would like to borrow.  



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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.

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