Responsible Lending

A payday loan is a short term unsecured cash advance that is available to help you through until your next payday.

Financial & Debt Responsibility

It is important that you learn to manage your own debt responsibly. Some tips are to make note of all your outstanding debts, such as credit card payments, rent, auto loans, etc. Most creditors are willing to negotiate the payments and work with you in making payment which you can afford. It’s a good idea to check your credit rating each year.

We are committed to keeping your personal information secure, but it is a good idea to maintain that security on your end as well by updating your antivirus software, enabling your firewall protection and keeping your Web browser up to date.

To be eligible for a loan, you need to meet these requirements:

• You must be employed or receive income regularly
• Need to be at least £1,000 per month
• Must be at least 18 years of age and U.K. citizen or resident
• Have a checking or savings account with direct deposit

Important things to think about before accepting a loan:

You could consider borrowing money from friends or family prior to applying for a payday loan.

Read your loan agreement carefully so you understand the amount of money you need to repay and the exact due date.

You need to be honest while you complete the application so that you are able to repay your loan without any difficulty.

Never take out more than one loan at a time.

If you ever need to roll the loan over to a later date, you should pay as much as possible upfront so you are not  rolling over the entire amount.