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    Payday Loans

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    All applications are done via phone or online verification.

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Payday Loans

Our payday loans are only designed for a short term solution to help you budget and make payments for those unexpected bills. Payday loans can be taken out over up to 31 days per loan agreement, repaying your payday loan balance on your agreed date. Your repayment will include the value of loan plus interest and or any fees as per your payday loan credit agreement.

Please note that rate of annual interest is not the same as actual interest rate charged.
A full breakdown of payday loan repayment fees and costs will be agreed before you receive your payment.
Payday loans are deposited on the same day of acceptance within hours.

Always ensure when you are taking out a payday loan that you meet the following:

1: You can physically afford to borrow the payday loan in the first instance.

2: Only ever borrow what you physically need your payday loan for, this will greatly reduce your repayment.

3: If you are in a position to repay your payday loan early then this will have a greater impact on your credit file as early repayments always shows good stead.

4: If you are facing any difficulty in making the initial repayment date you must contact the lender directly and speak to one of their specialist advisor's who are empathetic and are committed to responsible lending, they will help you to settle your payday loan account in a timely and efficient manner.

Consequences of Non-Payment of Payday Loans:

It is always recommended and expected that you pay on time. In case of non-payment the policies of every lender regarding fees, interest and collection of outstanding debts etc. vary considerably. If your payment schedule needs to be re-arranged, most lenders will contact you via phone or letter. Non-payment will prompt penalties such as extra charges or increased interest rates. In the event that you will not be able to pay back your lender on time, then you must contact your lender immediately. Failure to do so may result in your credit file being adversely affected.

Payday Loans Collection Method:

You can directly contact the lender in case of any delay or problem you might be facing pertaining to the payment process. This way, you can discuss all the available payment options in detail. If the issue cannot be resolved, then the lender has the authority to pass on your information to a third party collection agency.

Late Payment of Payday Loans:

If you cannot repay your loan on time you may be charged a late-payment fee by the lender ranging between £1 and £100. The fee completely depends upon the lender’s policy. To learn more go through your loan agreements terms and conditions very carefully.

Payday Loans Renewal Policy:

To renew your loan, you need to contact your lender beforehand. Most lenders do not increase the interest and fees rate on the entire amount for the upcoming month. If a non-payment issue occurs, then your loan will be automatically renewed or extended but in this case, your lender may have the right to increase the charges and/or interest rate.

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