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Disadvantages

Terms

You are between 18 and 65 years old in full time paid employment. You must take home a salary of more than £750 a month. You must be a UK resident, and have a UK bank account and valid debit card

Identification

None necessary

Representative Example

Borrow £100 for 28 days. The total charge for credit is £25. Interest is fixed at a rate of £25 per £100 loan. Transfer fee (included in total charge for credit) £5. The total repayable is £130

Services

Speedy Dosh is a fast and efficient payday loans lender

Advantages

Disadvantages

Maximum loan £450

Terms

Applicants 18 years living and working in UK. Wages paid directly into a UK bank account and must have debit card.

Identification

Generally not required – Payday Express offer instant online approval.

Representative Example

If you borrowed £200 for 28 days you would repay a single payment of £258, with an interest rate of 378% variable per annum. 2670.8% APR representative.

Services

Online Payday Loan Lender.

Advantages

Disadvantages

Terms

Aged 18 or older in employment or self-employment. Payday Loans to be paid back on next pay day

Identification

Some lenders will not ask for identification but you will need to provide bank account details

Representative Example

2957% APR variable. £300 borrowed over 1 month would equal total borrowing of £375. Actual Interest is 25%

Services

Payday Loan Broker

Advantages

Excellent acceptance rate
Quick and simple application form
Same day approval and access to your money possible
You may not need to provide any paperwork
Some lenders will not need to credit search you

Disadvantages

You need to be employed or self-employed

Terms

You need to be 18 years old or over, living in the UK and have a UK bank account with an active debit card plus your own email address and mobile phone.

Identification

Name, address, phone number, email address, bank account and debit card details.

Representative Example

Rate of interest 30% Fixed. Amount borrowed £200. Interest £60. Charges £6.50 Total amount repayable £266.50. 360% pa Fixed. Representative APR 2329.8%

Services

Cash 365 is a fast and efficient payday lender

Advantages

1. Fast Application Process
2. No paperwork required
3. Loans accepted 365 days a year

Disadvantages

£6.50 administration fee

Terms

You must be 18 or over, a UK resident and have a UK Bank Account

Identification

UK Bank Account

Representative Example

Borrow £180 for 28 days. Total amount payable - £225. Interest rate p.a. 1737% (variable). Interest payable - £45

Services

1. Payday Loan Broker

Advantages

1. Cash Lady is built entirely around you - it's a short term loan that's based on your payday. 

Disadvantages

1. Payday Loans are not a long term solution to debt problems

Terms

Applicants must be at least 18 years of age and a UK resident. Repayment period 14 - 31 weeks

Identification

You will require proof of ID, address and income. National Insurance number may be required.

Representative Example

Total Amount of Credit: £300; Representative APR: 272.2%; Duration of Agreement: 52 weeks; Total Charge of Credit: £246; Total Amount Payable: £546; 52 weekly payments of £10.50; Rate of interest 80.2% p.a. fixed; The information underlined is variable depending on the loan amount, product & term offered. Address: 1 Godwin Street, Bradford, BD1 2SU NB

Services

Payday Loan Lender

Advantages

1. You can spread your repayments over 14 weeks
2. There are no large lump sum repayments to worry about
3. No bank account needed
4. There are absolutely no hidden charges 
5. Your friendly agent will call at your home to collect your weekly payments
6. We could help if you ever need us again

Disadvantages

Terms

You must be over 18, be living in the UK and not be bankrupt or on an IVA.

Identification

ID required and validation of your debit card.

Representative Example

Total Amount of Credit: £500; Representative APR: 199%; Duration of Agreement: 31 days; Total Charge of Credit: £48.70; Total Amount Payable: £548.70 Address: Financial Processing Ltd UK, Walton House, 56 – 58 Richmond Hill, Bournemouth, Dorset, BH2 6EX