Borrow from £100 to £25,000
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Whole of Market panel
Trusted panel of lenders
From £1,000 to £25,000
Rates from 5.7% to 278%
3-36 month repayment
Borrow up to £3,000
Rates from 278% to 1576%
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.
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Where to Find Loans That Are Guaranteed
Everybody likes a sure thing. When it comes to being approved for loans, that’s not really possible. You won’t know if you are eligible for a loan until you actually go through the approval process and try to meet the lender’s eligibility requirements. If you have good credit and a decent, steady income, then your chances of approval will be very high, but there’s still no guarantee.
Still, you’ll see lenders offering what they call guaranteed direct loans. These are typically payday loans, not offered by banks but by direct lenders. They are meant to be paid back quickly, and they come with higher interest rates than your average bank loan, but they may be the best bet for people who have had financial problems in the past.
If you are looking for guaranteed cash loans in an instant, then you probably have had some financial difficulties of your own. You may be looking for something that’s as close to a sure thing as you can get in the lending industry. Anytime you see the “guaranteed” label before a loan on a lender’s ad or on their websites’ copy, then you can be sure they have open eligibility requirements. They are not going to be very demanding when it comes to your credit score or your income level. They may not even check your credit at all. Most payday lenders don’t, after all, which is why they can more readily say “guaranteed approval” than a bank can.
They know that the majority of people who apply for one of their loans are going to be approved. Not everyone will be, but most of them will, and that’s enough to write “guaranteed’ with some fine print attached. They’ll tell you that you have to meet their minimum requirements for approval, such as having a certain amount of income and having proof of steady employment. Beyond that, most people already meet the minimum requirements, like being at least 18 years old and having an active bank account.
If you want guaranteed cash loans easily, or as close as you can come to anything guaranteed in the lending industry, then you should be looking for payday lenders. There are tons of them operating tine UK, and they aren’t interested in your credit score or the past financial mistakes you have made the way the bank is. That stuff doesn’t matter to them, and they stay focused on what you are making now and what your financial situation is like at the moment. They only plan for you to borrow their money for a few weeks, or months at most. They expect you will pay them back quickly, so they can take a small risk on you, knowing that your financial situation isn’t likely to change drastically over that period of time.
Payday loans and any other type of guaranteed cash loans are usually short term but not the cheapest method to get cash. The lender assumes some risk, and to minimise that risk they will keep the terms short and the rates high. That way, if you stop making payments on the loan, at least they collected a decent amount early on.
Payday loans and other fast cash loans are great for people who have been rejected by other financial institutions. If you need money quickly and you might not pass a lengthy and in-depth approval process, then see about applying for a loan from a payday lender.
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.