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Short Term Consumer Loans

Welcome to our website, we offer a service of flexible and straight forward short term loans. Its important when considering your lending options that you take the time to understand exactly what products and services are available and that’s why we would like to invite you to understand our service. 

Our team has been working in the short term loans market for a number of years and as a result we have developed important knowledge regarding what needs to form a successful online loan product. Firstly we have come to understand the main reason consumer’s need these type of loans is because often an unexpected or unplanned expense presents itself. These are the expenses we could not have planned for in advance and therefore fall outside of our normal bills we repay normally. A typical example would be a broken car in need of repair or an emergency vet bill. When these type of costs present themselves we have to be able to act fast to avoid further stress and maybe even worry. That’s why one of the key elements of these type of loans needs to be speed.

Speed of course is not the only important key feature but it does need to found a foundation and that’s what we have aimed to achieve here. We do this by offering you, our potential customer, an online based application form which can be completed at whatever time is best for you, our website is available 24 hours a day. Also the application itself is easy to follow and won’t take you very much longer than 10 minutes to complete. We continue our desire to make our service quick and efficient by applying our understanding of the market to our decision making process. This means we will review your application in a timely manner and deliver our decision as soon as it is ready. Through the application it is our lending teams aim to gather all the important information needed to make an informed and effective lending decision.

As well as offering efficient short term loans where you will receive a lending decision quickly, we also offer a flexible product which has a fee free application. This means you can apply for one of our loans and whether you are successful or not, you will not be charged a fee for doing so. We think this is really important in ensuring the overall product we offer is consumer friendly and affordable.

The reasons people chose payday loans when borrowing


Before anyone decides to take out a loan they need to question with themselves a few things such as do they definitely need the finance in question and if so how much are they realistically looking to borrow. They also have to decide what kind of loan they need for example is a form of a short term borrowing like a payday loan or possibly an instalment loan over a longer period. Other finances included could be possible car finance. The lender chosen to apply through is always another question that someone should consider, there are so many different lenders in the financial market place and each of them do generally offer different things and some of these are positive and some are negative factors. In the article below I am going to look at the payday loan product and I will list two main factors why people choose this as a way to borrow money for a short term duration.

For me personally the main benefit of the payday loan product would be the speed in which they can be funded to the customer. If people need a small amount of cash and they need it quickly or if they have an unexpected bill come up that they now need to pay, a payday loan here can certainly help. Most of the applications for the payday loan are completed online within just a few minutes and if they get accepted they can be funded that quickly to. 


Most applications on this product if they are accepted the customer can be paid the very same day of the application getting completed. This is a major benefit for the person involved. When people tend to use banks for applications or possible building society’s they can get finance for potentially higher amounts yet they may take a few days for them to be funded and this of course is not always practical if certain people need their money paid to them before that. Each lender is different and each of them can fund their potential customers bank accounts within their own time and that will be another reason to explore what the lender can offer before just simply applying to the first one that is found. With a payday loan it is unlikely documentation can be requested by the lender and this will delay any application from getting finalised however, some companies this may not be the case. They can possibly request a passport or driving license or a passport for identification reasons, possibly a bank statement or a utility bill for proof of someone’s address. Maybe a payslip could also be asked for to prove any employment details that may be requested. A payday loan can ask for these documents but it is unlikely so that is another benefit for that product. If this documentation is provided then the loan should move on quickly and will probably be funded once it has been verified however, on the other hand if it is not provided then the loan will simply just not be processed.

Another large benefit of this product would be the fact that payday loans can still be granted to people who have a poor credit history and score. There will be people out there who have missed certain repayments on their debts in the past and if this is frequently done they will now find obtaining future credit more expensive and harder to achieve. It is always vital for when a payment is due it is met on time otherwise it goes against you on the credit file and this can lead to negative consequences for the future when it comes to borrowing money such as car finance, secured on unsecured loans or mortgages when needed. A payday loan if money is needed though can lend to people with poor credit however the interest charged on the product reflects this. Lending to people who have a poor management level when dealing with debts will always be a potential risk hence why high interest levels are charged to cover their costs for people who may take out a loan product and have no intention to ever repay the debt. The interest charged can always vary depending on the lender chosen however it is normally around £25.00 charged per £100.00 borrowed by the customer. If you are someone that has a poor credit score and has found finding money quickly difficult then a payday loan will be suitable for you none the less there are alternatives ways to borrow money that will definitely be cheaper.


Spend Wisely: Finance Advice You Can Use

If you are interested in improving your personal finances than you will probably want to read this article. This article will help you find out what you can do to manage your finances better.

Managing your money is extremely important. Profits should be protected and capital invested. Allocating profits into capital to build a larger foundation for growth is acceptable, however, managing those profits wisely allows you to see return from your investments. Follow standards and regulations for how much profit to save and how much to invest.

Today is a volatile time; it's wise to diversify your investments. Keep some money in a savings account, some in a checking account, some invested in stocks, some in high-interest accounts, and some in gold. Make use of as many of these as you want to maintain stronger finances.

To gain financial stability, you need to have a savings account that you contribute to on a regular basis. Having enough savings on hand means you won't have to use your credit cards or take out a loan in cases of an emergency. You may not be able to put much in each month, but it is still important to save regularly.

If your have junk debt buyers breathing down your neck about old debt, know that in many cases, the debt is already uncollectible or will soon become uncollectible. If you think that a debt has expired, consult an expert. You may not need to pay the collection agency for the expired debt.


Try to negotiate with debt collectors who are trying to get you to make payments. They are likely a junk debt buyer who bought your debt for 10 cents on the dollar or less. If you pay only a small percentage of what you owe, they are still making a profit. Get rid of your debt for much less using this in your factor.

You could give homemade presents for Christmas to save money. This can save you thousands of dollars throughout the holiday season. Making use of your own creative faculties cuts your costs and protects your net worth.

You should have a savings account set up in case of emergencies. You can save for a specific goal that you have in mind, like paying off credit card debt or saving for college. You may be tempted to consider a 6 - 12 month installment loan.

Knowing what possessions a person has, and their real value, can prevent those items from being sold unknowingly at a garage sale for 25 cents, or making their way to the Goodwill. Selling vintage furniture for a tidy profit rather than throwing it away will have a positive impact on a person's finances.

You may want to talk with a friend or family member that either currently works in, or did in the past, a financial position, so they can teach you how to manage your finances from their personal experiences. If one does not know anyone that has worked in financial services, a friend or family member who is very good with their finances may be able to offer some help.

If someone is always finding extra dollars in their pockets, then there may be a great way for them to use this extra money to better themselves financially. Using the dollar bills and buying lottery tickets with them is a fun way to possibly have much more money than was spent on the tickets.

It is not uncommon for a person to slip up when managing his or her finances. If you bounce a check once, you may be able to request that the fee is waived by your bank. In order to take advantage of this, you will have to have a history of maintaining your balance without any overdrafts. You will only have one chance to take advantage of this though.

If you simply cannot commit to balancing your checkbook the old-fashioned way, opt for a high-tech online option. There are many different websites and stand-alone software programs that will help you to get your finances in order.

Use a big wall calendar to map all your monthly payments, billing cycles and due dates in one easy area. This way, you will still make all of your payments on time, even if you do not receive an actual paper bill in the mail. This can help you budget better and avoid late fees.

Rule #1 of good personal finance is "income must exceed expenditures." People who spend it all or borrow frequently typically have to spend everything they make, so they'll never be rich. Determine how much money you have coming in every month, and make sure your expenditures don't exceed this amount.

Personal finances all depend on you preparing yourself properly for the future. You can either set yourself up to stress over the mistakes you made or to enjoy that you are reaching your goals. Even though you have to make this financial transformation happen, the tips you just learned will help you effect that transformation without much hassle. 

Representative Example

£200 borrowed for 90 days at an interest rate of 264% (variable). Total amount repayable £291.18. Total Interest: £91.18. 993% APR representative

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk


Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk


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