Instalment Loan FAQ

The questions we are asked the most

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277.5% APR Representative

Representative Example: Amount of credit: £750 for 12 months at £119.21 per month. Total repayment of £1430.52. Interest: £680.52. Interest rate: 140% pa (fixed). 277.5% APR Representative. Rates from 45.3% APR to 1575% APR

YOU CAN APPLY ANYTIME DAY OR NIGHT FOR PAYDAY LOANS. WE WORK 24 HOURS PER DAY AND CAN HAVE YOUR LOAN DECISION AT ANY TIME! APPLY ON A WEEKEND, HOLIDAY OR THE MIDDLE OF THE NIGHT AND WE WILL IMMIDIATELY PROCESS YOUR APPLICATION!
YOU CAN APPLY IF YOU ARE: OVER 18 YEARS OF AGE, LIVING IN THE UK (ENGLAND, SCOTLAND, WALES AND NORTHERN IRELAND), IN EMPLOYMENT AND RECEIVING A REGULAR SALARY PAID INTO A VALID BANK ACCOUNT THAT ACCEPTS DIRECT DEBITS.
YOU CAN APPLY 24 HOURS A DAY 7 DAYS A WEEK. MANY OF OUR LENDERS ALSO WORK 7 DAYS A WEEK AND CAN EVEN DEPOSIT FUNDS IN YOUR ACCOUNT AT THE WEEKEND.

COMPLETE OUR QUICK AND EASY ONLINE FORM AND JUST CLICK ‘SUBMIT’. IF YOU ARE APPROVED YOU WILL BE TRANSFERRED TO THE LENDER’S WEBSITE TO COMPLETE THE PROCESS. YOUR LENDER MAY ASK SOME ADDITIONAL QUESTIONS NOT CAPTURED ON OUR APPLICATION FORM. YOU THEN SIGN YOUR LOAN AGREEMENT ONLINE AND RECEIVE YOUR LOAN FROM YOUR LENDER. IT IS FAST EASY AND CONVENIENT.

THE RULES AND REGULATIONS THAT GOVERN COMPANIES LIKE OURS STATE THAT WE MUST SHOW YOU THE ANNUAL PERCENTAGE RATE (APR). APR’S ARE CALCULATED BASED ON PAYING A FIXED AMOUNT OF INTEREST ANNUALLY.

SHORT-TERM OR PAYDAY LOANS ARE NORMALLY TAKEN OVER A MAXIMUM TERM OF 30 DAYS SO APR’S ARE NOT THE BEST WAY TO MEASURE HOW COMPETITIVE OUR RATES ARE. OUR LENDERS PREFER TO FOCUS ON THE AMOUNT YOU PAY BACK IN TOTAL RATHER THAN ON APR. WE ARE CONFIDENT THAT WE OFFER THE MOST COMPETITIVE RATES IN THE MARKET FOR THIS SERVICE.

INSTALMENT LOAN APRS ARE LOWER DUE TO THE FACT THAT THE LOAN REPAYMENTS ARE SPREAD OVER A LONGER PERIOD OF TIME.

ABSOLUTELY, MANY OF OUR LENDERS WILL CONSIDER APPLICANTS WITH LESS THAN PERFECT CREDIT HISTORIES. OUR LENDERS PREFER TO QUALIFY YOU BASED ON YOUR RECENT FINANCIAL HEALTH THAN ON PAST CREDIT MISTAKES.
YOUR REPAYMENT WILL USUALLY BE TAKEN BY DIRECT DEBIT ON YOUR AGREED PAYMENTDATES BY THE LENDER YOU CHOOSE TO TAKE YOUR LOAN WITH. OR IN THE CASE OF THE INSTALMENT LOAN PRODUCT THE PAYMENTS WILL BE TAKEN BY DIRECT DEBIT ON THE SAME AGREED DATE EACH MONTH.
WE DO NOT CONDUCT CREDIT CHECKS WHEN YOU APPLY, BUT BE AWARE THAT WHEN SUBMITTING YOUR APPLICATION YOU CONSENT FOR OUR LENDERS TO RUN A CREDIT CHECK. BE ADVISED THAT NOT ALL LENDERS PERFORM THE SAME TYPE OF CHECKING.
TIMES WILL VARY BASED ON THE LENDER YOU HAVE BEEN MATCHED TO AND THE LOAN PRODUCT TYPE YOU ARE SEEKING. USING SHORT-TERM LOANS AS AN EXAMPLE, IN MANY CASES LOAN DECISIONS CAN TAKE AS LITTLE AS 30 MINUTES. IF YOUR BANK DOES NOT SUPPORT FASTER PAYMENTS, FUNDS WILL BE SENT TO YOUR ACCOUNT THE SAME DAY AS APPROVAL SO LONG AS YOU’RE APPROVED BY 2:30.
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