Representative APR 1261% (variable)
Mrs. Evans, London - was offered a £250 loan
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
We use our strong network of lenders to make borrowing money as quick and easy for you as possible. This is why we have a complex system to make a beeline to reputable providers to find solutions that suit your personal needs, to really help when it's needed most. Our process is designed to take the pressure off you, and is 100% online from start to finish. There is no need to wait and sign large numbers of documents – simply fill in our brief application form once, and let us do the rest for you. Even at this point, you are under no obligation to accept the proposition we match you with.
What's more is that this is available 24 hours a day, 7 days a week, including bank holidays. Unlike some other companies, we don't charge you a penny for our service, and you are not even under any obligation to go ahead even if you do apply, so there really is nothing to lose!
These are designed to help ensure you have enough money until you're next paid. They offer a quick and convenient solution to short term money worries. As it is only your pay packet that is secured against the finance, as long as you are employed and over 18, with a UK bank account, you are free to enquire, even if you have a poor credit history.
Our systems and relationships are built in such a way, that if you are rejected by over 40 providers, we still have options for you - whether it's an alternative financial product, or debt help, we are able to assist. Our service is available 7 days a week, 24 hours a day, and there is no impact on the APR of your solution, so please feel free to search as much as you want, to feel comfortable with the choices we make for you.
The intention of this product is for one-off solutions to unexpected financial difficulties, such as broken boilers, garage fees, medical bills, and so on. Due to the necessary interest fees involved, you should not be considering this option as a long term fix for debt problems.
While we aim to work with providers that do not have an automatic renewal policy in place, your lender may have such a policy in practise. In most cases, a fee is associated with a renewal, should it be automatic or requested. Every lender we work with has different rules surrounding renewals, so please check carefully before agreeing to the proposal.
The amount you can actually borrow will largely depend on your current income. Upon successful repayment of your first finance agreement, you may find that the amount available for any subsequent requirements will be higher, as you are classed as a good creditor. The maximum amount you can generally borrow is £1000 (often for new customers £750), and please remember, this should not be seen as a long term solution to debt problems.
If you don't settle your agreement on time, the lender may take collection action on your debt. Each provider has different processes in order to collect the debt, so we strongly urge you to fully understand and agree to the terms and conditions from your chosen lender.
Repaying your agreement means that should you require more the next month, your credit worthiness will be improved, and this could be possible, with the correct budgeting. You can always speak to the provider should you have difficulties, but if nothing can be resolved, you do run the risk of having penalties or fees applied. By reapplying with us, it means each month you require a financial solution, you are getting the best deal available, and problems not resolved by one particular lender could be resolved with a different lender.
It is important that before you accept a lender's offer that you are fully confident that you can afford the repayment, as any charges will increase the true cost of your agreement. Remember, time flies! It is also worth considering bank processing times during holidays and busy periods, and planning your liability accordingly.
The date of repayment will be made clear to you by your accepted provider, so please keep a note of this, as it will form your commitment to the agreement.
If you continue to fail to repay your loan, credit reference agencies will also make a note on their records of the outstanding debt. This may negatively affect your credit score. The records can remain for up to 6 years, and may be passed on to other credit and fraud agencies, to ensure you can be traced and chased for repayment. Likewise by committing to your liability on time and in full, this may reflect positively on your credit file.
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