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    PERSONAL

    Loans

    N Whole of Market panel
    N Trusted panel of lenders
    N From £1,000 to £25,000
    N Rates from 5.7% to 278%
    N 3-36 month repayment

     

    SHORT TERM

    Loans

    N Online decision
    N Responsible lenders
    N Borrow up to £3,000
    N Rates from 278% to 1576%
    N 3-12 month repayment

    Representative Example: Cash price £7,500. Deposit £0.00. Total amount of credit £7,500.00.

    60 monthly repayments of £137.22 Total charge for credit £733.20. Total amount payable £8,233.20. Interest rate 3.8% fixed. 3.8%APR Representative.

    We are a Credit Broker and not a Lender

    What You Need to Know about Guaranteed, No Credit Check Payday Loans


    If you have had some trouble getting a loan to meet your financial needs, you might be tempted by the prospects offered by ads proclaiming to have no credit check and guaranteed direct loans approval online all of which can be done in a instant. You should know what those loans are actually offering and what those promises actually entail.

    First of all, any loan that claims to be guaranteed actually has a few caveats. Whenever the lender advertises guaranteed approval, they actually mean that most people who apply will qualify, and there are still some people in certain circumstances that they will turn down. The most common reason to turn down an applicant is not for their credit but their income. If your income cannot match the kind of loan you are wanting to take out, you will be denied.

    Guaranteed payday loans with no credit check are usually the easiest ones to be approved for. You don’t have to worry about your credit coming into play. Actually, most payday lenders don’t check your credit at all, whether they advertise that fact or not. They tend to use your income as a basis for determining your eligibility rather than your credit. That allows them to make claims about guaranteed approval, since they will give you a loan regardless of your credit, but not regardless of your income.
    You should know that your level of income will determine how large the loan is that you would be eligible for. The lender only wants to give you a loan that they think you can afford to pay back on time, so they will tailor the loan size to your income level. If you are looking for guaranteed payday loans with no credit check required your after the fast option, then you should go into that search knowing how your income will limit you.

    Some lenders will look at your financial state as well. They will want to know more about your finances than just your income. They may want you to disclose your monthly expenses, particularly any other loans you have (including student loans) and payments you make every month. These all help them determine how much money you have left over and what you will be able to pay each month on the loan you are applying for from them. That helps them know how much to lend you, since they can tell to a certain degree how much you can afford to pay them each month.

    If you are turned down for guaranteed payday loans where no credit check is necessary, then you may be able to get the money you need with a guarantor. that’s going to improve your choices considerably, as the guarantor’s credit and income will be examined instead of yours. Basically, with a guarantor, the entire responsibility rests on them. You are the primary signer for the loan, but the guarantor ultimately has to pay back the loan, if you fail to make your payments regularly.
    With any guaranteed payday loans where no credit check would be necessary, you have to pay careful attention to the lending terms. The interest rates and how those rates change when you fail to make payments are going to be your biggest concern. That’s where the majority of your money paid to the loan will go. You may be responsible for additional fees if you don’t pay on time. That’s why it is so important to not only closely examine the terms of the loan before you agree to them but to also make sure you make each payment on time. This will preserve your credit, keep you from paying additional fees and keep your interest costs down.

    What can I do if I wish to complain?

    Information about complaints can be found in our complaints policy.

    What if I can’t keep up my loan repayments?

    If you can’t keep up with your loan repayments you must contact your moneylender immediately and advise your struggling with the monthly installments some companies will adjust your monthly installments to reflect what you can afford to pay back on a monthly basis please note that this can also extend your term of the agreement and probably the amount of interest that you end up paying back. You’re never advised to just stop paying your agreement as this may result in interest being charged on the agreement and missed payments showing on your credit file this could make obtaining credit further down the line a lot more difficult.

    What do i do next?

    Next is the fun bit you need to click on the apply button and fill out our simple online form designed to make sure the whole application as smooth and pain free as possible. The whole application process from start to finished shouldnt take you longer that 3 minutes its as simple as you can get.

    *Subject to lender approval and requirements.