5 tips in finding the right lender

There are so many different payday loan lenders in the UK it can be extremely confusing for someone attempting to navigate their way their way through the different lenders to try and find the best deals. Here are some simple things to consider prior to taking the plunge and applying for a payday loan online:

  1. Is the lender an actual lender or a broker? If they are a payday loans broker the chances are they will be associated with the main lenders, but your application will be submitted to them via their brokerage application.
  2. What is the APR (Annual Percentage Rate)? – this is key to working out what your repayments will be. The higher the APR, the more you will need to repay. Seems obvious I know, but some people do not even consult the APR!
  3. Does the website look right? ”Cash in Seconds”, ”Money NOW”, you will have seen it all over the net in the cut throat world of payday loans – if the website looks like Arthur Daley has been associated with it, then the chances are you may be in for a bumpy ride. Stay well clear.
  4. Does the payday loans company have a contact page? They should at least have an email address for you to contact them – if they haven’t, then this indicates they may not want to be contacted.
  5. Do not rush into the first lender you find. Take your time and compare the companies. Using an additional hour or so to get the best lender could save you money in the long term.

Please remember that payday loans are not ideal in most situations. They always need to be paid back and should never be used more that once.

Reasons why Prepaid Cards can help You manage Your Finance Better

Financial management was a subject that was never taught in school and can be a nightmare for many people. There are way too many temptations to spend, there’s always the newest model cell phone, newest model car and big ticket items like renovating or buying a house. However, there is a way for you to stay in control of your funds, by opting to use a prepaid card. Here are several reasons why prepaid cards can help you manage your finances better:


No Credit Checks

If you have applied for a credit card and the application has been declined, the last thing you should do is keep applying for a credit card. Further credit card applications can potentially damage your credit rating even more. And since credit checks are not involved in applying for a prepaid account, this mitigates that risk away. [Read more…]

Build Up Your Pantry in a Pinch – Even if Payday Is Weeks Away

Building up your collection of food isn’t just a good thing to do; it’s the smart thing to do. If you think about it from the right perspective, it makes sense to have plenty of food on hand just in case you can’t get out to a store. What if there was a natural disaster that prevented you from getting fresh supplies? Sure, we don’t think about it that often, but there have been times where emergency services have been dispatched to take care of such problems. Even when times are good, you still want to build up a good pantry so you can save time and money preparing meals for your family.

get a loan uk

But what if money’s a bit tight and payday is far, far away? That’s where you need to look at all of your options, like going to get a loan until payday. This will hold you over until you can get your real check, but you won’t have to wait weeks upon weeks. With a payday loan, the money is made available to you very quickly and without the hassles of a traditional bank.

Now, if you’ve never had a payday loan, you might worry. Isn’t this where all of those sneaky hidden fees come in? Not at all. Everything is very transparent and designed to present you the facts you need to make an educated financial decision. You can apply online, where you’ll get a much faster response than if you tried to do it locally. There’s a level of security and confidentiality that just canít be matched anywhere else. If you think about it, this completely makes sense. After all, why on earth would you want to have everyone know your personal financial details? If you’re having some problems, the last thing you want is for everyone to have an opinion on how you should fix it. Most people tend to only bring their opinions, rather than actual money to help you.

As long as you have ongoing income, you can get the money you need to catch up on the groceries, or anything else that comes along. Don’t give up on getting things turned around!

Need Money Urgently? – Get a Payday Loan

It’s a very common scenario in recent years – you could be in a full-time job, working every hour that you possibly can, but payday comes around and you simply don’t have enough money to pay all of your essential bills again. It’s frustrating and can be a major cause of worry for many families – how on earth can you keep on top of your essential bills when wages are remaining stagnant and the cost of living is increasing year on year?

Fuel bills are a great example – in recent months they seem to have surged yet again – and it doesn’t seem to matter how careful we are to budget our income and outgoings, rising bills can spiral out of control leaving us stressed and feeling under pressure. However, there is a solution, and it’s one that many people are now turning to – payday loans. Many companies can provide you with an instant-decision same day cash loan online.

payday loan

With a payday loan, there’s no complicated application forms, faxing of documents, trips to the bank or telephone calls required – you simply visit the site and make your application entirely online. You’ll get a super quick decision and you could have the cash that you need in your account the same day – perfect if you need to pay urgent bills. Additionally, to qualify for a payday loan, you don’t need a perfect credit rating – there are many payday loan companies that will accept adverse or bad credit ratings.

So, rather than worrying about your outgoings this month, check out the best payday loans direct lender UK online – you can borrow £100 – £1000 for any purpose and get an instant lending decision. To apply, you just need to be a minimum of 18 years of age, currently reside in the UK (if you are applying from UK) and have a bank account – it’s a simple and hassle-free solution! With short term loans easy repayment plan – you can´t go wrong.

Is Borrowing From My 401K A Good Idea

The economy all over the world right now is a tight one. People are always looking for different ways to get extra cash and often times they need the extra cash quickly. This is where borrowing from your 401K plans might come in handy. Some will say that it is a good idea while others will tell you to avoid it because it might be a dangerous financial move. In this article you will find out why it could be both a good and a bad financial situation.

Interest Rate

If you select to borrow from your 401k you will find that the interest rate you will be given is a very low interest rate. Not to mention that when you are paying the interest it goes directly back into your 401k-retirement account. For this reason you might think that this is one of the better installment loan options you may have. Of course it will all depend on your financial situation as well.

Borrowing From 401K

Repayment Plan

The repayment plan of borrowing from your 401k-retirement account is where things start to get tricky. The general rule is that you will be required to pay back the loan in full within a five year time period. If you do not the loan will be treated like you cashed out and then you will have additional penalties that you will be required to pay. The other requirement is that if you leave your job for any reason and you are making payments the balance of what is remaining on the loan will be treated as if you cashed out of your 401k. [Read more…]

Will People Use Short Term Loans to get iPhone 6?

Apple is renowned for having a cult following, with a wealth of fans worldwide that will do almost anything to get their hands on the latest Apple products.

September is set to be no different as the launch of the iPhone 6 approaches. Rumours state that the iPhone 6 will be released on September 9th. Apple has sent out invitations to media companies to attend an event in Califoria next week, where the release is expected.

There are no shortages of the rumours of new iPhone products. On September 9th the event which would usually have been hosted by the late Steve Jobs, who steered Apple to its cult status today will take place. It was originally expected that the iPhone would be announced along with other apple products including a new iPad mini. It is now believed that the iPad mini will be announced in a separate October event. IOS8 is also expected to be released with the new iPhone, and to also be available for newer iPhone and iPad devices.

Lots of people rush to get the new products as soon as they can, with many turning to credit cards and any other means of finance to get them. With the accessibility of short term loans being much wider nowadays in the wake of the rise in popularity of payday loans, many people could be tempted to use these as a means to get hold of a new phone.

If you are savvy, and not intent on having the latest iPhone now is a great time to get fantastic deals on the older, soon to be replaced iPhone 5. Doing this may leave not actually needing to borrow any money at all!

What Are Payday Loans?

What Are Payday Loans? – Well, just that in fact, a payday loan is a short term loan or payday advance  repayable in full on your next payday.

They are not long term sources of finance and are generally offered to people who for one reason or another cannot get credit from more traditional lenders such as high street banks and financial institutions. These can often be self-employed, persons with bad credit history or little track record of credit.

The world- wide recession has made credit much more difficult to obtain and moved a whole section of the community into what is known as ‘the sub-prime market’.

People who a year or so ago would probably have been accepted for a bank loan are now finding themselves refused and only people with squeaky clean credit files are being accepted for mainstream finance.

So what do you do if the car breaks down mid-month or the central heating boiler blows up in the middle of January and your bank won’t extend your overdraft?


Well a Payday loan may be the only option open to you.

The payday loan people have much lower criteria for acceptance and in return they charge a higher rate of interest on the loans.

Typically as long as you have a bank account with some form of payment facility, cheque book or payment card the payday loan companies will consider you for an advance of up to £750 repayable in full on your next payday. Sometimes these online payday loans can be extended by payment one month’s interest.

Are payday loans expensive?

Yes, when compared to a traditional bank or credit card rate but they are not intended for long term solutions and often having a lack of funds in your bank account will cause your regular payments to ‘bounce’ incurring charges both from your bank and from the payee which together work out at more than the payday loan interest.

If you are thinking of applying for a loan till payday then you need to be sure that you will be able to repay not just the loan but the interest as well out of your next salary cheque.

Consider if there is any other way of meeting your needs, a loan from a friend or family member maybe.

If you decide to go ahead with your payday loan application most of the payday loan companies will have the loan credited to your bank account on the very same day.

It’s That Time of Year – Could a Payday Loan Help Get You Through a Few Things

When money gets tight in the summer, it feels like there are a lot of alternatives out there waiting for you. If the utilities get shut off in the summer, things are just a little uncomfortable. The house doesn’t really grind to a halt. When winter hits, however, things are a lot different. It’s not possible be without utilities in the winter, unless you want to make your family very uncomfortable. So at this point, what are you really to do when finances seem tight than ever before? You need to make sure that you’re thinking carefully about the world of payday loans.

Now, we know that not everyone wants to think about payday loans, or how stressful things can be. Yet there does come a point where you really just need to keep all of your options as open as possible. Giving up at this late stage in the game isn’t going to do you any favors either. What you must remember is that it’s all about remaining as calm and composed as possible. After all, panic isn’t going to do you any favors.

payday loan

You should know that it’s perfectly okay that you don’t have everything falling in place. There are very few people that can honestly say that they have it all covered. There are plenty of people, however, that can say that they do struggle from time to time. They do find times where they’re having troubles from every corner. They do discover that there are going to be points where they just don’t have enough.

If you really don’t want to go to family for the millionth time in a row, it’s a good idea to go with online payday loans for every occasion. The payday loan companies don’t care what you use the money for, merely that you pay it back. There’s nothing wrong with getting a loan online, getting it transferred to your account within an hour or so, and then moving on from your problems.

Are all problems this easy to solve? Not at all. There are some deep issues that just can’t be solved by financial products. However, for the last minute things that you really need to take care of, there are indeed payday loans for these things. Why not check them out today, while it’s all still on your mind?

Can Students Really Get Payday Loans

People think that life’s uncertainty only applies to them and their problems. Little do they realize that life is uncertain for everyone. So while some might be surprised that students are asking whether or not they can really get a payday loan, we’re not really surprised. The truth is that the bad economy affects everyone, and students have always been affected whether the economy is good or bad. They’re seen as not quite ready for the responsibility of handling office affairs or working at a factory or otherwise working in the “real world” so they don’t make as much as they really should. This means that money can be tight, hours can be scarce, and choice shave to be made. If you were in their shoes, would you blame them for looking for any type of money that they can find?

Generally speaking, students can really get payday loans, but there are some conditions that you need to know about. First and foremost, you have to be willing to show proof that you have a solid job. If you´re in danger of losing your job for any reason, you will not be able to get the loan. You also need to make sure that you’re going to be able to pay off the payday loan before your seasonal job or internship ends. If you have good money now and you can make the amount back to them right on payday, you’re going to be able to qualify for more loans. It’s only a sticky point when you´re trying to get a cash loan with a longer term. That might not go over as well.

payday loan

You do need to start thinking about the type of experience that you´re really trying to pull off. It’s one thing to believe that you’re going to be able to go into a payday loan center…but do you really want to? In many places, this isn’t a totally private affair. People will see that you went into a place that offers payday loans, and they will make their judgments. If this is something that bothers you, you might want to just skip it. Go online instead.

Online? Yes, it´s true — these loans can be found online, and they’re really not a scam at all. You do need to make sure that you’re going to a site that uses encryption. It would be terrible if your financial information got leaked because you trusted the wrong site. Thankfully, the real sites that give out loans are secured and heavily regulated. There´s no way that you would end up not being able to get things moving forward in the right direction.

It cannot be stressed enough — you must pay this loan back. this isn’t like a loan form your parents, where they will understand if things get rough. This is a company that’s taking a chance on you as a high risk person. You know that you probably won’t get a loan from anywhere else, so it’s very important that you don´t burn this bridge. After all, you just never know when you might need it again.

Now, we say all of these things just to let you know. We’re not trying to be hateful or anything like that. It’s just to let you know exactly where you stand. Why not check it out today, while it´ still on your mind? Good luck!

Summer Fun Can Be Had with Rapid Payday Loans

Look, let’s get honest here. Yes, right now. If you’re fighting a financial emergency, chances are good that you don’t care how nice of a day it is outside. You’re thinking about all of the terrible things going on in your life because your finances aren’t where you want them to be. Don’t worry if you’re in this boat. As embarrassed as you might feel, you’re really not as alone as you think you are. There are plenty of people that are facing financial troubles. It’s time to break through the cycle.

Want to hear the best news? You can break through it with rapid payday loans. And yes, we mean “rapid” in the most literal sense of the word. You’re not going to have to wait weeks and weeks to hear back from someone. Depending on what’s going on in your life, you really might not have enough time to just sit back and wait.

Rapid Payday Loans

You have to think about what’s going to get rid of the problem so that you can finally move on with your life. If you can’t do that on your own, then the payday loan can help. Yes, there are plenty of people that don’t really like to be beholden to anyone, but the reality is that you have to do what you can with the resources that are available to you.

Otherwise, the problem starts to spin out of control. You start feeling lost, scared, helpless, and very unhappy. If there was a way to avoid being unhappy, wouldn’t you take it? If there was a way to avoid your finances from taking over your life, wouldn’t you pursue it?

We’re not saying that you should take out more loans than what you can afford to pay back. We’re just saying that if you’re really thinking about getting things together, this is the best way to do that, point blank.

Make sure that you’re looking at all of your options. Good luck with your journey. Remember that once you get the payday loan, you can use it for anything you need. This allows you to get on your feet. After you get the loan paid, it is a good idea to start putting money away for savings. Yes, savings is boring compared to other things that you can be doing, but savings is very important. Don’t give up on it. Good luck!