If you are having difficulty with your finances, you may be considering a payday loan. These are a type of lending given to people who need a small amount money for a short period of time. You can often borrow, even if you have bad credit, as long as you have a job and are receiving income. This is also called a "short term loan" or a "payday advance". We do not charge for applying.
A payday loan is a relatively small amount of money lent at a high rate of interest on the agreement that it will be repaid when the borrower receives their next paycheck. While there is no set definition, it is usually a short-term, high cost loan, generally for $1000 or less, that is typically due on your next payday. The quick cash infusion is nice, but when you apply for a pay day loan, you may wind up getting more than you bargained for. Make certain that you have the ability to repay your loan when the time comes so that your credit will remain in good shape.
As long as you are employed or receiving income, we can give you a quick decision on whether you qualify for a loan. Click the "apply" button above and select an amount you would like to borrow. Your application will be reviewed by lenders who are authorized to lend to people living in the UK.
You can apply online here. When you're faced with financial difficulties, a day or even an hour can be a lot of time, especially in our fast-paced world. Sometimes you need cash as soon as possible. While you can apply in brick-and-mortar stores, more people are beginning to take advantage of the benefits that online lenders offer. With online lenders, the entire process is completed online, so you can expect to apply, receive a decision and get funded, if approved, all online.
If you need fast cash and are living in the UK, you will need a lender who specialises in lending to the UK. Submit your application with us and your loan will be processed in a fashion consistent with UK laws. Our lending rates coincide with the strong consumer-oriented UK laws that safeguard those who borrow.
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How Should You Use Your Payday Advance? They are best used for emergency and unexpected expenses, particularly unexpected bills and auto repair bills. Please remember that borrowing should only be used for short-term financial needs and are not appropriate for long-term borrowing.
As a word of caution to those wishing to get funding, payday loans UK are best suited for emergencies or unexpected expenses. They are for resolving bills which are critical, such as repairing your work vehicle or other types of bills which will cause larger problems the longer they remain unpaid. This is a short term remedy, do not consider using one if you think you cannot repay on time. Taking on a short-term loan is a big responsibility, and should only be done in an emergency or similar situation. These should only be used as solutions for temporary money issues and are not designed to be used as a long-term solution. But if you feel as though a short term loan is the right choice for you, and are confident in your ability to make repayments on time, apply today.
By law, all lending companies operating in the UK must perform a credit check before they can lend to you. While this may be discouraging for those wanting to borrow who have a poor credit history, there are some companies (such as Serpable) that can help people with low credit scores. If you're looking for a "no credit check lender", these don't exist -- but you can find a lender who caters to those with bad credit. All lenders need to check credit of applicants.
Applying for a pay day loan online is fast and easy, even if your credit history is far from perfect. As an FCA regulated direct lender, we want you to understand everything about borrowing money online. We tried to answer many frequently asked questions below but we want you to know that you can always contact us if you need any further clarification. Our technology is tuned to assess your affordability to repay the monthly repayment over credit check. So even with very bad credit, you are welcome to apply and join our rapidly growing happy customer list.
Do you need a new loan lender? There are expensive lenders on the market, many whose average APR interest rates are over 1000%. We can help you apply for a cheaper loan, and it is entirely free to apply. When you're faced with financial difficulties, a day or even an hour can be a lot of time, especially in our fast-paced world. Sometimes you need cash as soon as possible. While you can apply in brick-and-mortar stores, more people are beginning to take advantage of the benefits that a payday advance offers. With online lenders, the entire process is completed online, so you can expect to apply, receive a decision and get funded, if approved, all online.
Not everyone will qualify. Some people will not qualify to get a payday loan, regardless of where they apply. Even though they aren't guaranteed, it is a good idea to apply to a "high acceptance" lender. These are lenders who accept a high ratio of people who request a loan. Although you are not guaranteed to get a loan, a high acceptance lender, may be able to help. These are lenders that have a higher rate of accepting and reviewing applications. Our service introduces customer applications through Serpable.
Many people believe they can get a better deal if they go with a direct lender payday loan. There is another method which people can use to borrow, by going through a "broker". Many see brokers as middlemen and wish to exclude them, so they search for "no brokers". While we are not a direct lender, we encourage you to submit your application through us. It is free, and you will be able to compare our rates to other direct lenders. We have the advantage of working with many lenders, and therefore our chances of being able to service a larger group of borrowers is increased. In the case of our company, we simply forward your application to Serpable who are a broker and work with a large panel of lenders. The lenders working with Serpable have a representative APR which is is lower than some of the other direct short term lenders.
Please note, if you are currently struggling financially, and cannot afford to keep up to your current contractual repayments, taking one out may not be the best solution to your problem. You may benefit from seeking advice or help from the Citizens Advice Bureau or Money Advice Service. If you are confident you can repay your loan, please apply today!
Payday lenders in the UK are capped at no more than 0.8% per day. What this means is that although their RAPR’s are different, they are calculated using different calculations using different term and amount values, they can only charge up to 0.8% per day. Serpable’s lender’s representative APR is lower than that of many other payday and short term lenders because their lender panel is more extensive and has multiple short term and payday lenders plus an alternative lending solution that has lower APR’s.
Short term loans are not guaranteed. If you need a guaranteed loan, we urge you to submit your application. While no one can guarantee your loan, you have a better chance of acceptance the more you apply. Applying through a broker can help you have a better chance of borrowing money simply because they have more companies they work with in order to secure your loan. Apply today for a quick response, it is free to apply.
The UK government requires that your credit be checked before it is issued. Therefore, "no credit check loans" do not exist. Use a company with a high rate of acceptence. We will work extra hard to fit your loan request with a good lender. If you are afraid that your credit score is too poor and you will not be able to borrow, realise that we are able to help many people like yourself every day. Some lenders will lend money to people with a poor and bad credit however the risk is the lender may charge a higher interest rate to cover the risk of lending to a person with bad credit. The other option is to get a guarantor where the emphasis is on the customers ability to repay the loan.
They refer to lending terms between 1-12 months and between £100 to £5000 as the amount you can get a payday loan for. These were referred to as the industry started with lenders offering sums to be paid back when you next get paid. Before short term payday loans UK were available, the most available type of borrowing the consumer had was with a larger term and starting loan amount, such as banking and secured that require capital.
Do you need a long period of time to repay your payday loan? You may be interested in a 12 month loan. Get a payday loan with terms that span multiple months, up to a year. Do you need a largeer amount of money with an extended period of time to repay? Learn what you can qualify for as you apply today.
Do you need a 3 month loan? Whether you need to borrow for a week, a month, 3 months or an entire year, we would like to help. Click to borrow, the amount based on various factors including your application details, historical applications, and a soft search on your credit file. You may find your application is accepted by cheaper lenders offering lower APR interest compared to other lenders.APPLY NOW