Pay Day Loans

Payday loan is a small loan that can be taken out for a limited term.

What Is A Direct Payday Loan

A direct Payday loan comes directly from the provider of the money, rather than from a financial broker.

What Are Advance Payday Loans

An advance Payday loan is the advance of a limited sum from your next pay.

Tips To Find Advance Payday Lenders

Advance UK Payday Loan lenders are advertised in local and national newspapers, magazines, on television, the radio and the internet.

How To Find Leading Payday Loan Companies

Payday loan companies not brokers such as us advertise on billboards, in magazines and newspapers, direct mail, but primarily on the internet.

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Sunday 31 March 2013

Coping with unexpected heating bills

The weather lately has been nothing like Spring! Many customers have been in touch as a result of much higher heating bills at a time when they were expecting much milder temperatures.

Heating bills can put a great deal of pressure on family finances, particular when the weather does not behave in the way we or the seasons expect!

With news floating around regarding an increase in water bills, it seems to be one of those expenses that never get any cheaper.

While it is always wise to save a little for life’s just in case emergencies unfortunately, reality is not always like that. Many people are considering a short term cash advance until their next wage as a way to get them over the surprise of unexpected high heating bills and household expenses as a result of the continued winter weather we are experiencing here in the UK.

Being as frugal as you can with your heating can also help, even turning down the thermostat by one degree can make a massive difference to your heating bill. Make sure your home is draught proofed well. Even simple things like closing the curtains early in the evening will conserve the heat. But don’t be cold!

If you are employed and have regular income there will be options and choices for you to consider if you find you need a little extra financial help.

Our top five tips when applying for a pay day loan

Many people ask what they need to know if they are applying for a pay day loan.

Here are the top five tips we recommend:



1. If you have had a pay day loan before, then it is always best to go back to the same lender. You have built a good reputation with them and they will see you paid off your previous loan. Doing this also means you are more likely to have your application accepted too. Sometimes, if you go to a brand new lender the process could take longer so it’s always best to stick to a lender you know, who also knows you.

2. The online applications are so easy and simple you can apply for a loan and receive a response to your application within minutes. If your application is successful then in many cases you will receive the cash in your bank within minutes too!

3. Always try and budget so that whatever you borrow, you know you can pay back upon receiving your next wage. By making some simple calculations of the money you need in the coming month to cover your expenses you will be able to calculate what you have spare. This will ensure you can pay back your loan.

4. Most reputable lenders have excellent customer service teams who are available to answer all your questions. At time, there are customers who need to ask about APR or to check repayment methods. Make sure your chosen lender has a customer advice service so you can access help if you need it.

5. All good short term cash lenders also have excellent websites where you can access your online account. You will be able to check your balance, confirm repayment dates and apply for further loans in the future. It is an excellent way to manage your account, quick, simple and your information is always kept safe and secure.

Thursday 21 March 2013

Getting back on track after a financial emergency

We have all experienced that uncomfortable moment when we are short of cash and need some in a hurry! Many people have used a payday loan facility as a means of helping them through a short term financial crisis.

Once the emergency has passed the best thing to consider is to plan a little ahead and get your finances back on track, maybe even save a little if you can.

Considering your financial goals, both short and long term is an extremely worthwhile exercise. You can set yourself goals to pay off debts a little each month or save a small amount each month. All these things will very quickly add up toward you feeling more in control and secure with your own finances.

Make a list of your financial goals and aspirations then make a plan to work towards it. You can consider things like, what you would like to save for, or when you would like to be debt free. The goals you set yourself are there for you to work towards.

In the meantime, if you do experience a financial emergency, you will know there are always short term options of cash advances available to you should you need them.

It’s important to do your research if you’re looking for a loan

I am often approached by people who made the mistake of taking out a loan without doing their research first. Many of them are paying the price for not having looked at all the offers available to them and identifying the reputable lenders who offer reasonable pay day loans with no hidden costs. Good and trustworthy lenders are out there! But you should always do the research to find out who they are, for yourself.

The biggest trap for people seems to be hidden costs. Some disreputable lenders apply hidden fees and costs to their loans which are not mentioned or included in the APR calculations. Sometimes they are referred to as administration charges or cash advance charges. It doesn’t matter what they call them, they’re still hidden charges.

What you want is a lender who offers clear and transparent details of your loan. The amount you wish to borrow, plus the interest and the total amount you will pay back on your next wage day. It really is as simple as that.

Good lenders will always provide you with the full details of your loan and they offer customer advisers who will help answer your questions if you are uncertain about anything.

Thursday 14 March 2013

Top tips for keeping track of your finances

How many times have you wished you had your own personal financial assistant? Someone who would keep the bills, statements and receipts all perfectly filed and recorded.

But life’s not like that is it?

However, you can be your own best financial assistant with a few simple tips.

Feeling in control of your finances makes all the difference to a stress free life. It doesn’t matter if you simply want to work them out, keep track of things or plan for the future. Knowledge is power and you have the tools at your fingertips to become the master of your finances.

Use your PC or laptop. Even a simple income and expenditure spreadsheet will really help give you a clear picture of your finances. But even a simple note pad and pen can help. Jotting things down and working out what you have and what you need is so much easier than trying to remember every little detail, bill or expense.

Try and keep your bills and receipts in a place where they are filed neatly in easy to find. It will save so much time and stress in the long run.

Above all, don’t worry. Everyone faces a financial emergency at some point. And by being more informed about your own finances you will be in a stronger position to know what you need and when.

So if unexpected expenses come along, and you know where you are and what your income is, you can consider options like a PayDay loan with no worry or stress. And you can use the information you have gathered to decide if it is the perfect option for you, as it is for so many thousands of people who experience a sudden financial emergency.

Friday 1 March 2013

What Are The Options to Get Instant Cash Through Payday Loans?


Deciding to get a loan when you are short on cash can be a tough decision to start with.  When you are unable to qualify for a traditional type loan for whatever reason, many people are turning to an instant payday lender to get the cash they need quickly.  Getting easy pay day loans is very helpful to many people these days.

Getting a loan that is short term can help you resolve the immediate problem and then be paid off quickly, avoiding the need to add yet another payment to your budget.  These loans are very short term, usually due within a two week period.  Additionally, they also carry a higher interest rate due to the convenience of the loan as well as the risk to the financial institution.

Options for loans are rather limited today even if you have a perfect credit history:

This is due to the new regulations that have been imposed by the banking institutions. Because of these new rules and regulations, even people who could have qualified easily on a previous attempt will be declined when they try for a loan again.

So you might be thinking, what are my options now?

As you look at the options available, of course you want to find a choice that allows for enough cash to solve the current issue. While there are a number of choices available, you want to find one that is going to solve the problem as well as not put you under further financial strain at a later date. Carefully considering which choices will be most effective is very important.

Determining how much cash you need, will be the first step. The next step is figuring out if the lender will be able to provide you with that amount. The amount that you may qualify for will be determined based on your income which you must provide documents to the lender to confirm.

Options for an instant cash loan can be very helpful when you are finding yourself short on funds.  Learning how to get easy pay day loans is important to a person who needs money quickly. If you have a low credit score, obviously the banks will not be willing to lend you money.  As a result, more people are turning to this option instead.

Finding an instant payday lender that will lend you the funds you need is really not a difficult task. You will discover that there are many different ways that you can get the funds you need.  As with any type of loan, it is important that you use caution and not borrow more than you truly need.

How to Get Cash Loans From Direct Lenders in UK?

Direct Pay Day Lending Company
As you look at ways to get the cash you might need quickly, you will discover that there are a number of options for cash loans in the UK.  Direct loan lenders offer you the ability to get the money you need without having to pay extra for the services.  Some providers that you might come across online only offer you the service of matching you with a lender that will provide you with the funds you need and do not actually provide the funds for you.

These services add to the cost of the loan overall by adding on a finder’s fee to the total. They provide a service to you that you must in turn pay for. You can avoid these added fees by carefully choosing your options for where you will receive the loan.

Understanding how this type of loan works is an important step in the process of course. Deciding to get a loan at all can be something that you are considering because you need some cash quickly. However, in many situations banking institutions are not offering loans as freely as they did in the past.

Because it is very easy to get in too much debt quickly with this type of borrowing, you need to be responsible when you are applying for the loans. Many times you might find yourself in need of cash quickly and apply for a loan of this type. These loans can easily provide you with the funds you need in a hurry but they can also result in a high debt ratio that will quickly result in more problems for you.

If you are in need of more than can be provided by one lender, you need to be cautious about how much you are borrowing. It is very easy to find yourself borrowing more than you will be able to repay, which will result in having to borrow money time and time again. This quickly will result in costing you far more than you wanted to spend.

Selecting the right direct loan lenders in the UK will help you resolve a financial problem quickly and easily. However it is important that you make sure you are not borrowing more than you can easily afford to repay. Because it can be very easy to do this, you need to consider your choices before signing the agreement.

Cash loans in the UK are available from a number of different lenders. The banks aren’t offering loans as freely and as a result more people are turning to other options that don’t require good credit to borrow. It will be very important that you make sure you understand how the process works before you make the final decision.



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