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Searching For a Loan

Searching For a Loan

When you are searching for a loan it is worth bearing a few things in mind-although each company is slightly different, all loans companies share some criteria. They will only lend to adults (i.e. those over the age of 18 at the time of application), UK lenders will only lend to UK residents, and in order to qualify for a loan you must have a bank account that can cope with electronic transfers. As long as you meet these simple criteria you can get on with the important stuff-searching for a loan that suits you!

Searching for a loan is easy, just find the nearest internet connection and get browsing! There are a great many loan companies out there, all of whom can help you out of a tricky spot and get your finances back on track. Because of the growing popularity of online loans companies, more and more lenders are appearing each day-this is great news for us, as it means that there is more choice, more competitive lending rates and generally an improvement in the overall service provided.

There are many times in the month that you may wish for a little extra to see you through-this is never more true than when unexpected expenses appear and rock your financial apple cart. Forgetting an all important bill is a commonplace occurrence, one which until now it has been hard to see a way out of. Well, now you can get yourself back on track by searching for a loan that can help get you through the month with the minimum of fuss and hassle.

How about those times when, through no fault of your own, you find yourself staring into a financial black hole? Let’s say the car has given up the ghost or the heating has decided to pack up and you can’t afford to get these essentials fixed. Searching for a loan to help get your finances sorted is a great solution to acute money shortages and unexpected bills.

Applying for a loan, once you have found a lender that suits you, is as easy as a few clicks of a mouse button. You will need to decide how much you want to borrow, fill in the application form with your personal information, wait while you undergo a credit check, then your worries can be over as soon as you are approved, as the money you requested will be transferred directly to your bank account.

The repayments side of things is another important part of the process. Even before you are approved you will be asked to state when you want to make your repayments and how you want to spread them out-it is essential that you make sure that you have the funds to cover your loan. Failure to repay can land you with some hefty interest charges and late repayment fees-it really is within your best interests to repay on time and in full to avoid any extra penalties. Make sure you maintain good communication with your lender, so that you can keep them informed of your circumstances. If you are struggling to repay then always let your lender know as they may be able to help.

A poor credit score, which may have stood in your way in the past, does not need to be such an issue with payday and short term loans. You can find a good number of companies who lend specifically to people with poor credit ratings, so if yours is not quite up to scratch then you don’t need to worry too much-chances are you can find a lender willing to help you out.

The amount you can borrow will vary from lender to lender, and all companies will offer slightly smaller loans to first time borrowers until their reputation has been established. If you are refused a loan by one company, there is nothing to stop you searching for a loan elsewhere-there are a growing number of loans companies so you are almost guaranteed to find one who will lend to you and help you out of your financial woes.

Searching for a loan online could really not be easier, and it is certainly more convenient than any other type of loan. You won’t have to stand for hours in a queue in a bank, or wait weeks for a decision-just a simple short form and a few details and you’re away!

Each and every online lender will be closely monitored by independent financial bodies, meaning that you have nothing to worry about with regards to online safety and your personal details will all be kept safe and secure. The lending process is ethical, and you will not be accepted for any loan that you cannot prove that you can afford. 

Searching for a loan is easy and being approved for one is almost as easy-but remember that this type of borrowing can be costly in the long run, and you would be wise to only use this service in an emergency, to avoid the interest charges which are inevitable with short term loans.

Searching for a loan takes so little time and is so quick and easy a process, that you will never again have to feel despairing because you cannot cover your costs. You won’t have to scrimp on the essentials just so that you can get through to the end of the month-simply search for a payday loan company that can help you out!

Whatever financial emergency you have, searching for a loan can help you to deal with it quickly, painlessly and with the minimum of trouble on your part. Short term loans are a great solution for when you need a hand out of a tight spot.

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

Data Protection Act 2018: Z3565851