UK Payday Loans

Advice On UK Payday Lenders

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Do not try to use payday loans to solve debt problems. If you are in debt you can apply for debt help now using the Online Form at the bottom of this page (UK Only)

UK Payday Loans

UK payday loans can be a lifesaver if you need money fast. There are plenty of people out there who have no choice but to use UK payday loans. Their credit is in disrepair making it nearly impossible to get a loan through a traditional financial institution. Unfortunately emergencies arise and money is needed in a hurry. If you are between pay checks you will not have the money that you need. Payday loans or cash advances can give you the money you require. It usually takes 24 hours to get the money, but if you are willing to pay extra many cash advance companies will offer instant cash. It takes them about 15 minutes to get your money to you.

Who Can Get UK Payday Loans?

Nearly anyone can get UK payday loans. Irrespective of the shape of your credit, you will mostly likely get approved provided you meet the basic criteria. Lenders of these loans do not normally do credit checks which means people with poor credit ratings can get approved. There are some basic rules, however, and things that the lenders will be checking for. In order to get UK payday loans you must be a resident of the UK. There is a required minimum age of 18 or older and you must have steady income coming in. This can be a job or other regular income and you will also need to have a bank account that your wages go into and which accepts direct deposit.

For people with poor credit, UK payday loans may be their only avenue for coming up with cash fast.

How Do They Work?

These cash advances are pretty easy in the way they work. You give the lender some information such as personal information, information on your income, and your banking information. You should be approved immediately if you meet the criteria. Once approved the money you borrow will be direct deposited into your banking account. This usually takes about 24 hours. You are then expected to pay back the money with your next pay check. You will also pay back an interest fee with the money.

Where Do You Find UK Payday Loan Companies?

You can find a list of the most reputable UK payday loan companies on the main Payday Loans page of this site.

You can get UK payday loans in nearly every town in the UK. They have offices all over the country. If you do not want to go in person you can apply over the phone, but the easiest way is to use the internet. There are literally hundreds of these companies listed on the internet. Many cash advance companies will not even require you to fax anything into them. If you shop around, especially on the internet, you may be able to find a lender who will offer a discount on the interest for first time users. There are even low fee payday loan companies that charge less than the average lender.

Are There Any Drawbacks?

As a rough average, for every 100 pounds you borrow you will have to pay back 125 pounds. The interest fee per 100 being about 25 pounds. This obviously varies considerably but in general the charge can seem very steep as an annual percentage. The average loan allows you two or three weeks to pay it back. You are expected to pay it back with your very next pay check. If for some reason you can’t pay it back with your next pay check the charges may rise dramatically. It will not take long for the fees to be more than the amount of money borrowed. Many people have ended up in dire circumstances because of payday borrowing.

Should You Use UK Payday Loans?

Payday loans or cash advances can be very useful and helpful if you find yourself in need of cash for car repairs or for an emergency. It is fast money. If you have a steady job and can afford the interest you must pay. You want to make sure you never borrow more than you can afford to pay out of your next pay packet. If there is any question about being able to pay it back as scheduled you should not use a cash advance. Otherwise you will end up in a situation you cannot get out of.

Many people have had to file bankruptcy because of cash advances. Some of these companies can be difficult to deal with if you fall behind with the payment. If you are thinking about using a payday loan make sure you will have the money on time.

Never use payday loans to deal with debt problems, as this is likely to make the situation worse. For help with debt you can use the online form below to see if you are eligible for a debt management plan or other debt solution.






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