How Works

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Representative 669.35% APR (variable).Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed).

Representative 669.35% APR (variable).
Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed).

Most people have a general idea of how loans work, but you should still take time to fully understand what it is you’re signing. You need to understand all the requirements before you apply for a loan, and you should have a good idea of how interest rates work. Since interest rates vary with banks and lenders, you should take the time to look at some figures in order to understand exactly how much money you’ll be repaying.

The following is an example to consider:
A client £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

You should not apply for loans before getting some understanding of how the process works.
We believe it’s important that anybody using our request form to get quick cash loans understands exactly what type of commitment they are getting involved in.

Borrowing money comes with a lot of responsibility, and if you aren’t aware of the implications before proceeding, you could be left with a lot of stress, debt and financial worries. Failing to meet the repayment requirements set out by the lender could mean that you have to pay added fees and other costs in the long term. However, take the time to read some useful information and you’ll understand exactly what you need to do.

The lenders we help connect you with are there to offer assistance to those who are going through short-term financial problems. While the lenders can offer you loans from £100 to £5000, you shouldn’t apply for them in order to pay off existing debts, as this will only trap you in a never-ending cycle of repaying money. Quick cash loans are meant for moments when you need emergency cash for unforeseen bills or events.

Requirements for Getting a Loan
There are certain requirements which are needed if you want to apply for a loan. Your request won’t be processed if you’re under the age of 18, if you aren’t a resident of the United Kingdom, if you can’t provide any information about your income or you don’t have a current account into which the loan can be deposited. This is the basic criteria which you will need to meet before using our request form.

1. Our Loan Request Form works with a network of lenders who are able to offer cash loans between £100 and £5000. The amount you are actually entitled to borrow will depend on your individual financial situation and whether you are approved or not. To make it easier for you, we pass on the information from the loan request form to the lenders. The information they receive will include your information and the amount of money you want to borrow. This makes the whole process much easier than going to the bank – you can use the request form from the comfort of your home and we will pass on all the necessary information.
After your information has been submitted, you might be matched with a lender from the network. It’s important to understand that lenders are at liberty to change their policies and rules at any time, so you might be accepted one time but then rejected the next time you apply for the loan. It is never guaranteed as lenders can reject any request for any reason.
If you are matched with a lender, you’ll be redirected to that lender’s personal page where you will need to give some further information in order to fully complete the application process. At this stage, you’re dealing directly with the lender and not

2. Lender Application and Approval

The lender application is the stage which will determine whether or not you are approved for a loan. The lender may require some further information from you. We cannot promise that there will be no faxing involved in the process. If you have digital copies of any financial documents, some lenders will accept these.
The lender will look at your application and let you know whether you have been accepted or rejected. If you aren’t approved this time, you are welcome to fill out the loan request form on our website and apply again in the future. However, if you have been approved, you’ll see an offer on the screen which will include the amount you have been offered. You will receive the terms and condition of your loan.
It’s important to read all the terms and conditions carefully, since this document contains everything you need to know. You’ll find information about your interest rate, schedule of payment and the total amount which you will end up paying back. If you’re wondering what happens if you fail to make a repayment, you can read about that too.
If you change your mind about the loan, you’re under no obligation to go ahead and accept it. However, it may be recorded on your credit history that you applied for a short term cash loan at some point. If you still want to accept the terms, you can sign the contract using a digital signature. It is then legally binding and the lender will begin the process to deposit the cash into your bank account. You could receive the money as early as the next business day.

3. Repayment Process

When you receive the loan agreement, there will be a section which tells you all about the repayment process. Even if you’ve had loans before, it’s important to read this as it may vary from lender to lender. You’ll be able to find the duration of the loan, number of payments due to be made, interest charges and how much you’ll need to pay for each instalment. To help you understand how the interest works, you’ll also find a breakdown of the interest rate in some detail.
The bank account details you gave during the application process will be used for the whole process. The repayments will be automatically taken from this account on the dates set out in your loan agreement. If you are unable to repay the money, the lender could apply added interest and begin collection proceedings in order to get the money owed.
Credit Checks
Many websites dedicated to online lending will promise you loans with no credit checks, 100% guaranteed cash loans and other claims which are impossible to deliver.
If you meet the criteria required, you have a decent income and a fair credit score, there’s a chance you’ll be matched to a lender and approved by them. Nothing is a guarantee, however, and credit checks might be carried out beforehand. If you receive an offer but reject it, it will potentially be recorded on your report. This will let other lenders and/or banks in the future know that you applied for the loan.

WARNING: Late repayment can cause you serious money problems. For help, go to is a broker, not a lender, and does not make credit decisions.