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FinanceNut is for applicants who want a small loan for a flexible period of time with minimal credit checks and requirements.

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Installment Payday Loans at Their Best

Payday loans are becoming the most popular source of emergency funds today. Compare to other types of loans, payday loans are more convenient and accessible. It doesn’t require much information when applying for one. To educate you about the said loan here are some basic information about it.

What is a payday loan?

A payday loan is a short-term lending where a person can borrow a certain amount of money with an equivalent interest rate. The borrower typically fills up a form that needs to have his/her details including the date he/she wishes to get the said cash, the amount that he wishes to borrow plus a fee in exchange for cash. The lender hands-out the cash to the agreed date, and it is deducted from the borrower’s salary during payday. This is also known as the cash advance loans or salary loans.

How much can you borrow on a payday loan and how much is the interest rate?

An individual can borrow as low as £150 up to £2000. The interest depends on how you will repay the amount you’ve borrowed over time. Usually, the shorter the time of repayment, the higher their interest rate. The rate usually in the range of 10% – 30%

The Advantages of Payday Loans

Compare to other types of loans, payday loans are one of the best kinds of loans you have. Here are some of the advantages of using payday loans:

Fast transaction process. A payday loan can usually be approved in at least by an hour after filling up a form of request.
Payday loans do not require a credit report. If you have a record of bad credit in a bank or you haven’t had a credit rating yet, you are still eligible to have a payday loan.

It may help you save money. Covering up a certain bill by using payday loan may help you save money for required penalty fees like late payment, bounced a check and bank overdrafts.

Payday loans allow you to be independent. If you are young and just learning how to balance your budget, you may not always manage to have enough cash on hand to meet your expenses from one pay check to the next. Using a payday loan means that you do not have to beg your family for money.

Suitable for emergency purposes. When you suddenly needed money for sudden reasons like a broken tire, delay salary check or a roof that unexpectedly fell down, payday loans are one of the best solutions to that kind of problems.

Requirements for applying for a payday loan

To have this kind of loan, you don’t have to provide a lot of requirements like asset statements, annual salary report or any kinds of collateral. All you need is a job that receives a monthly salary not less than the required amount of the lender’s criteria, an active phone number and email address for security and loan agreement purposes and an active bank account. Other concern doesn’t matter when accessing a payday loan, like what is stated in the last paragraph even if you have a bad credit history, you can still get approved.

Can anyone apply for a payday loan?

No. not anyone can apply for a payday loan even if payday loans can be easy to have. Lenders still consider some requirements when applying. If you are only working part time or currently unemployed, despite the other requirements that you have you can’t get approved by the lender as the lender is will judge you if you can repay them or not.
Also, the approval of the loan depends on the perception of the lender. They will still check if you are capable of repaying the amount that you request base on your monthly salary and occupation background.

Does only employed people are eligible for a payday loan?

As long as you are receiving regular payment monthly, you can apply for a payday loan. If you have fix payments like monthly retirement pension or regular monthly remittance you are eligible for applying for a payday loan.

Where can I apply for a payday loan?

There are many ways for you to apply for a payday loan. One of the options is you can go to the actual address of a lending company, fill up the form that they will give, submit it when you’re done and wait for their approval. You can also apply online if you have no time going to the actual place, just look for their website and follow their instructions, wait for their response whether in your email or on your mobile number

What Keeps Me from Getting the Loan I Want?

We want to help you get exactly the loan that is right for your needs. However, you have to take into consideration that your income could limit your borrowing opportunities. If you want a very large loan but you have little income to put toward making regular payments, then you are likely to be denied. We want you to be able to get the money you need, though, so we will help you find a loan that fits your financial situation and that you should be able to afford. You might not always get the loan that is exactly like you want, but we will ensure you receive the most suitable loan. If you don’t like the one we’ve picked out for you, just let us know and we will find you something else.

Your credit history can also keep you from getting the loan you want. While many of our lenders don’t bother looking up your credit, every bank will, and if that’s where you went to apply for a loan, then you should know that your credit score will be a factor.

How Do I Receive the Money?

Getting your money is really simple, once you have been approved for a loan. You will supply your banking information to the lender during the application process, and they will send you the money in one to three days after you have been approved. Some people can get their money the morning after they apply for the loan. You will be able to start spending that money as soon as it shows up in your bank account.

How Do I Apply

Application for one of your lenders’ loans is so easy. You just need to complete the form on our Finance Nut site and then wait a few moments until we determine if you are eligible for a loan. The form consists of a few personal details as well as the type of loan you ware looking to get.
You won’t find a faster or easier way to borrow money online.

5 most recent personal loan reviews

Review of Swift Sterling

A process that was made as simple and hassle free as possible. Friendly, helpful staff and the money was paid out as soon as all checks were carried out and they did not take long at all. A good opportunity to borrow money and build your credit score. Thank you Swift Sterling Loans from a happy customer :-)

Review posted by Shehzad Alum, Bridgwater

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Hitachi Finance

Recently turned 18 and wanted to apply for a loan to build my credit score which they agreed was fine. So applied for loan on 3/03/2017 and they rang me and my guarantor the next day at 8am! (Early but fine:) ) to confirm each others details and the loan was paid into my guarantors bank 11am that day 4/04/2017. Very good service and their customer service team are very efficient! Would recommend to use these guys for a loan.

Review posted by Jordan Mabbutt, Plymouth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Pogo Loans

The whole process was easy and hassle free. The website is easy to use, the information is clearly laid out and easy to understand. When speaking with a Pogo person they were always polite and helpful. And of course, the loan came through on the day they said, I was totally stress free.

Review posted by Nick White, Mold

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews have been sourced from Trust Pilot for authenticity.