Payday Loans UK

Apply For Up to £5,000*

Representative Example:

  • Loan amount £400 for 90 days.
  • Payable in 3 monthly instalments of £187.31
  • Total amount repayable £561.92
  • Interest charged is £161.92,
  • interest rate 161.9% pa (variable).
  • Representative 305.9% APR.

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Representative Example:

  • Loan amount £400 for 90 days.
  • Payable in 3 monthly instalments of £187.31
  • Total amount repayable £561.92
  • Interest charged is £161.92,
  • interest rate 161.9% pa (variable).
  • Representative 305.9% APR.
Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk

» Payday Loans Manchester

How Manchester Residents Can Avoid Payday Loan Pitfalls

You may have heard about people who get into debt and used payday loans to help them only to get even further into debt. These kinds of stories keep some people from trying payday loans at all. But there are actually some great benefits to using these loans, and you will miss out on them if you allow yourself to be persuaded by other people’s bad choices.

Don’t Do This

To avoid the same mistakes that others have made, you want to keep a few guidelines in mind when considering payday loans. First off, ensure that you can afford to pay back the loan in a timely manner. Look at the loans being offered and make sure you have the finds to pay for them in the time limit provided.

Payday Loans Now gives Manchester residents up to 90 days to pay back loans. But that time can also include late fees. There is usually a much shorter window to pay back the original amount plus the standard fee. For loans of £1000, customers are allowed 7 days to pay back their loans without incurring any additional fees beyond the standard low rate.

So make sure you are giving yourself enough time to pay back the loan in this window. While payday loans can be great for covering expenses you were not prepared for, if you wait too long to pay them back, then you can end up in a worse situation than when you started.

The second guideline is to ensure that you don’t borrow more than you can handle. It may be nice to completely pay off a large expense, such as a medical bill or a credit card. But you also have to consider that it might cost you less just to pay for some of that expense and save the remainder for next month.

If you borrow too much money with your payday loan, you could end up struggling to pay it back, and that is not a situation you want to be in. Instead, try to find a happy medium. Examine your expenses and your finances and see what you need to get you by. Only borrow what you need, and don’t use payday loans as a way to splurge and go crazy with your spending.

Instead, Do This

Now that we’ve looked at what you should avoid, let’s look at some sound practices you can use to make sure you get the most out of your payday loans. First of all, save the payday loans for times you really need them. If you are constantly taking out payday loans, then you are just using them as a crutch and not the way they were intended. Payday Loans Now urges it customers to use these loans only when they know they will be able to pay them back without putting themselves in a tough spot financially.

Next, you will want to ensure that you are fully aware of the terms and conditions of the loan. When Manchester residents take out a loan from Payday Loans Now, they are made aware of exactly how much they are borrowing, what fees they will have to pay and how long they will have to pay that back. There are no hidden fees that will surprise you. The terms of our loans are designed to be easy to understand and fair to the customers.

We recommend that you place the terms in a location where you can easily find them. Mark your calendar or your phone’s organiser to the day when the loan is due. That way you won’t forget. Paying the loan back on time, in its entirety, can save you a lot of money and hassle.

Finally, ensure that you are getting the best prices. Why would you want to get a payday loan from anywhere else when Payday Loans now has the most competitive prices for Manchester customers? No one else offers such low rates with such transparent fees and exceptional customer service. We ensure that our customers are provided with loans that are beneficial to them.

You are welcome to compare our prices with those of our competitors. And like those who have used our services before you, we think you will find that we offer the best rates and the most agreeable loan contracts.

Getting a payday loan couldn’t be easier. You only need to be at least 18 years of age and be employed. The approval process only takes a few minutes, and you can quickly have the cash you need to meet your financial responsibilities. There is no need to struggle under the weight of your expenses when help is so close by. Just fill out the application form on this site to get started.