Everyone has found themselves in a situation, at one time or another, when you urgently need money to solve an unforeseen problem or have just run out of cash and need to pay that regular bill before the next payday. If that sounds familiar to you right now, we can offer you a quick and effective solution for your financial needs – an instant payday loan from a direct lender! At , we work hard to make it as easy as possible for you to borrow cash to bridge the gap until you receive your next salary payment. Our fully online application process means you can have access to funds within minutes of submitting your application form.
What is a payday loan?
A payday loan is an unsecured loan designed to bridge the gap between your paydays. It can help you cover any unexpected costs that might arise and can generally help you out when you find yourself short of cash. A payday loan is a small loan which can be taken out for up to 35 days – typically until your next payday, hence the term payday loans. Payday loans offer quick and easy access to extra cash. They can be a great short term solution, when taken out responsibly, as small loans can sometimes be difficult to find.
It is important to remember though that payday loans are not suitable for long term borrowing and can only provide short term relief as long as you can afford your repayments. At , you can select the amount you want to borrow to the nearest ?1, so you will never have to borrow more than you need. We also give you total flexibility over when you repay, as long as it is within 35 days, so you are always in control.
How easy is the application process?
At we do our best to make the process very easy: there is a simple online application form which gives us the details of your address, employment and regular expenditure. The form is accessible 24/7 and you can submit an application for one of our loans at any time that is convenient for you. We carry out ID verification, affordability and creditworthiness checks in the background and give you our decision instantly. If your application met our criteria and your payday loan is approved the money is transferred to your bank account without any delay and the cash can be with you within a few minutes of approval.
Quick access to extra money can be valuable in a wide variety of situations. A common use of payday loans are unexpected events which do not fit the usual monthly budget, such as urgent car repairs; an unplanned purchase of plane tickets or any other similar tight spot that life e time many people also borrow to get help with every day essentials, such as food shopping or utility bills.
You can apply for a short term cash loan with in any situation but, please, remember to fully consider your personal circumstances and be certain that you will be able to settle your payday loan in 35 days or sooner.
How much money can we provide?
We offer instant payday loans from ?150 to ?300 to all our new customers. For returning customers, we can offer an increased credit limit of up to ?750, subject to our affordability and creditworthiness assessment of the application. Any amount we approve is transferred to your bank account immediately so you have instant access to the cash that you need.
How long can we lend you the cash for?
You can get a payday loan for any period from just 1 day to 35 days. This gives you the flexibility to plan your monthly budget in a way that works best for you giving you full control of your finances. In addition to the flexibility, the short term nature of the loan means that, despite the higher interest rate, the amount of interest you actually pay will not be very large. It costs less than 80p per day to borrow ?100 from us.
Remember, the longer the loan period that you choose, the greater the amount of interest that you will need to repay. We would therefore only ever suggest that you borrow for the period of time that you need the loan for and repay it in full as soon as you can afford to do so.
Please make sure you carefully consider your income and expenditure before you apply and do not apply for a loan that you knowingly cannot afford. If you believe it will be difficult for you to settle your payday loan in one single repayment, consider using our instalment loan service instead. It can help you repay the amount you need to borrow in more manageable monthly repayments spread across 3 months.
Why choose as your payday loan lender?
There are many companies which offer payday loans in the UK, but our service is designed to offer the best deal for our customers because:
Can I postpone the repayment period for a later date?
We work with each customer individually and we understand that not everything always goes according to plan. If an unexpected event occurs after you took out your loan please contact us straightaway so that we can discuss your options with you. The sooner you contact us the more we can do to help you repay your payday loan in a way that you can afford while minimizing the impact of any missed payments on your credit file history.
What is the minimum criteria to apply for a payday loan with ?
Our goal is to help people who need to find money quickly but there are some conditions that you need to consider first before you submit your application. Our decision to lend you cash is based on multiple factors with the following minimum requirements that you need to meet for us to be able to consider your application for a payday loan:
We will use the information that you provide in your online application form together with the information that we receive from a credit reference agency and the information that we store in our own internal database to instantly assess your application. Once your payday loan application is approved, the money is transferred to your bank account straightaway 24 hours a day, 7 days a week.