Apply Today to Borrow up to £995
3-12 month repayment
Rates from 278% to 1576%
Apply Today to Borrow up to £25K
3-36 month repayment
Rates from 4.7% to 278%
Get the money straight into your account in just 15 minutes.
It is all online, making everything so very simple to do. Anyone can manage it.
Our sites are fully protected and couldn’t be safer for you to use.
Representative example of the total cost of the loan, including all applicable fees – Typical loan size of £25,000 over 120 months = £275.82 pm, 4.35% Variable APR – 6% (including £1800 in interest) total repayable £33,098
Maximum Annual Percentage Rate (APR) – approx. 24% (lender starting rate 18%) – Typical Apr will be around 8%
*We are not a lender, we provide a free credit brokering service. We will never charge you a fee for using our application.
Simple Application Process
Safe & Secure
Absolutely No Fees
Fully Legitimate and FCA Registered
Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Loans subject to status. Over 18s only. Minimum loan amount may apply.
Rates from 4.5% APRC to 65.2% APRC are available – the highest rate is for customers with severe credit problems. Loans available from 1-25 years. TYPICAL 10.9% APRC variable
It is our ultimate goal to make your lending experience as easy as possible.
If you have any queries feel free to contact our dedicated team of experts today.
Competitive Examples From Other Companies
Representative Example: Amount of credit: £300.00. Term: 91 days. Interest: £155.35. 3 monthly payments of £152.63.
Total Repayable: £455.35. Interest Rate: 292% pa (fixed) Representative APR: 1264%.
Where To Go When You Need Cash Now
One of the worst things that could happen is when you are short on funds and an emergency occurred. Borrowing from family or a friend might be an option but is it worth it when you need cash now? What if you’ve borrowed before or you want to keep your financial dilemma in private? Where do you turn to? If you’re employed and you have a good credit remark, this is quite easy to resolve. There are a lot of lenders online readily available to handle your request. They can accommodate your loan application even when you have a bad credit rating and the best part is, they can provide the loan in an instant.
Applying For Payday Loans
When you need cash now and you have access online, all you have to do is look for the right payday lender. There are about a hundred loan providers willing to lend quick cash as long as you can meet their basic requirements. But before jumping into this matter, it’s ideal to understand what a payday loan is and how it works.
With all the critics against the loan, payday loans have managed to become popular for anyone who need cash now. It sheds a small amount of money, carrying a high-interest rate. Employed individuals are more likely to acquire the lender’s approval because of their solid source of income. Normally, the lender will require a postdated check as a repayment for the loan, which is payable within two weeks or on the next payday. It contains the lender’s name, the loan’s due date, and the overall loan amount including the principal rate, interest, and fees. In case you don’t have a postdated check, you can grant the lender an access to your bank account so they can debit the cash on the agreed repayment date.
Payday loans offer convenience that banks and traditional lending facilities cannot simply provide. Rather than go out and visit a loan office personally, all you have to do is connect online using a laptop, look for the right lender, and submit an application form. The form takes 2-5 minutes to be accomplished and it will ask for the borrower’s personal and financial information. With this kind of loan, waiting is not an option. You can use it when you need cash now since most payday lenders release the fund within 24 hours or even 30 minutes. Moreover, it is accessible and you can get the loan you need by visiting a website or downloading the lender’s app. But then again, you have to watch out for its interest rate. Since it will not require a credit check or collateral, the lender will secure the loan by applying exorbitant interest and charges, which, in some cases, can go higher if you wish to extend the loan. Rollover is possible providing that you agreed to pay for the additional charges.
Basic Requirements Of Payday Loans
When you need cash now, the last thing you want is to complete complicated prerequisites. Luckily with payday loans, all you need are the following:
You must be 18 years old and above.
You must provide a proof of income such as payslip, certificate of employment, etc.
You must be a UK resident or citizen
- Bank Account
You must provide necessary bank details
In case you’re not employed but you have an alternative source of fund, you can ask or look for a lender who accepts people on benefits, unemployed, and the like. No guarantor or collateral is required even when you’re jobless. However, you need to prove your ability to take charge of the loan. In case you get rejected, here are some reasons why you’re application was declined:
- You are not employed.
- You cannot provide alternative funds.
- You don’t have a stable source of income.
- You have insufficient bank statements and you cannot verify your income.
- Your annual gross income is not enough.
- You don’t have a working bank account.
- You have outstanding debts from other companies.
Although payday loans do not conduct a credit check, there are instances when a financial mistake, such as bankruptcy, influences the loan’s approval. After all, the lender’s goal is to provide money and ensure that they can get it back. Having a negative remark only implies that you were not able to comply with your previous loan provider’s terms and conditions and this may likely happen again. If your loan application didn’t work on payday loans, you can search for another alternative when you need cash now, such as guarantor loans or secured loans. Nevertheless, you must focus on improving your credit remark from time to time.
A good credit score gives a higher approval rate, lower interest, and higher loan amount. Below are some tips that can help you improve your credit remark:
- Check Your Credit Report
There are chances for a bad credit to land on your report, no matter how responsible of a debtor you are. To fix this, you need to have a free copy of your credit report which you get from a credit agency. Find out if there are any inaccuracies and report it to the credit bureau immediately.
- Settle All Outstanding Debts
Repaying all the debts may be the last thing on your mind; it’s difficult but it’s one thing you should not ignore when you want to fix your credit report. Negotiate with your current lender if they can waive fees or at least, extend the loan’s due date. Otherwise, you may look for a debt consolidation program who will help you settle all outstanding debts at a lower interest rate.
- Stop Opening New Accounts
When your credit report is damaged, creating a new account should not be a priority. So instead of getting a new card, you can just increase your available credit. As much as possible, avoid overdrafts or cash advance using your credit card since the interest rate applied is higher than loans.
3 most recent personal loan reviews
Simply amazing! Quick, professional and understanding. Great agents over the phone. Thanks for helping me again!
Review posted by Shah Azad, Brighton
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The best and more serious loan company, Moneysupermarket without a doubt! Fantastic customer services and great communication , lots of good advice in how to manage your loan and very reasonable rates in accordance to your possibilities. Perfect for that extra pending project without making a big dent to your monthly income. Highly recommended!
Review posted by Maria Bidell, Manchester
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This has proven to be an excellent service. Quick, efficient and trusting.I would definitely recommend Giffgaff loans to friends and family in the future.
Review posted by Donna Blanford, Glasgow
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