Unlike traditional lenders, we don’t perform credit checks on a payday loan application. Traditional lenders will usually go to companies like Experian to check your credit score. A credit check company will give you a credit score based on your credit report. Your credit report contains information on your current loans and credit cards, what your credit card limits are and how close you are to them, and whether you’ve ever missed any repayments. The thing is, if you’ve missed a repayment in the past then you’re credit score is likely to be affected – even if you’re paying on time now. A poor credit score will almost definitely mean you’ll struggle to get a loan with a high street lender. But we’re different. Because we don’t perform credit checks on a payday loan application (we simply use the straightforward information that you provide on your online application form) it might not matter if you have a poor credit score.
2. A payday loan is a short term loan – don’t have debt hanging around for years. Unlike other traditional longer term loans, a payday loan is designed just to get you through to your next payday when you’re short of cash. Used effectively, a payday loan can be a cheaper alternative to taking a loan out over months or even years.
3. A payday loan is available 24 hours a day, 7 days a week. Because the application for payday loans is made entirely online, you can do it from anywhere at any time. There’s no need to call us or visit a branch. This makes a payday loan a very convenient option when you need cash fast.
4. A payday loan can help you to avoid unnecessary fees when you’re in a short term financial pickle. A payday loan is often a cheaper alternative to paying extra fee ad interest associated with missing a bill or card payment. If you have run out of cash but have a credit card bill to pay, and you know you’d be ok if only it was payday already, then why not consider a payday loan. We could provide you with the money that you need in a flash, then you can pay it all back on your next payday. Then you’ll avoid paying unnecessary extra charges for missing a bill payment.
5. A payday loan is one of the fastest ways to get your hands on cash in an emergency. Say your car has just broken down and you don’t have the cash to fix it. If only it was a bit nearer to payday. Well now it can be! Apply online for a payday loan and, if approved, the money will be in your account within 24 hours. And a lot of the time it’s even faster than this!
6. We take the money direct so there’s no danger that you’ll forget to pay and incur extra charges. To help you manage your finances, we take the loan amount plus the interest payment direct from your account on the agreed date. That way, we take away the any extra worries of having to remember to pay us on time!
When not doing work on cash advance Gary Lane enjoys spending quality time with his wfe and very demanding kids.