How it works?

 

A payday loan is a short term loan that you pay back on your next pay date, to enable you to deal with a cash emergency. You get an instant decision and the cash is sent the same day to your bank account. Please make sure you read the details for each lender before applying. You may also consider a first time credit card as well.

 

All applications are fast and only take 5 minutes at the most, you will get an instant decision on your application and your loan is sent the same day direct to your bank account, you should receive your money the same day, some UK banks take 24 hours to accept the funds transfer, please see each lenders details to make sure you know how they work as each lender is different.

Do I qualify, can I apply?

 

To qualify you must be able to say yes to the criteria below.

1. Be over 18.
2. Be in employment
3. Earn more then £333 a month
4. Own a debit card
5. Own a bank account

 

Can I apply if I have poor credit?

 

Yes you can apply if you have low or poor credit rating or mortgage arrears, some of the payday lenders do not need to do a credit check on you, your application is based on your present situation. You can even apply if you have CCJ's and defaults.

 

How much can I borrow?

 

You can borrow form £80 up to £1000, different payday lenders will lend you different amounts.

 

How do I repay the loan?

 

You submit your card details when you apply and the amount you borrow and charges are taken out from your bank account on an agreed date you input when you apply. Some lenders let you have a further month or

even 2 months to pay the loan back but you will be charged further fee's for this.

 

 

 

Credit Cards For Low Or Poor Credit Rating

 

 

Capital One Credit Card		Vanquish Credit Card			Prepay Credit Card
Apply below for a Capital One Credit card for people with low or poor credit rating, click below to apply online at Capital One, poor credit rating ok too.		The credit card for people who have a poor credit rating or it's their first credit card, apply now online below today, poor credit rating applications ok.			Cashplus offer you a prepay credit card by Mastercard. Does everything a normal credit card does thats from Mastercard, all applications are accepted.