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FAQ

What are payday loans?

Payday loans or benefit loans are simple and fast forms of unsecured credit that must be repaid within 30 days from the date of the loan origination. Loans are typically awarded to employed individuals, and the amount approved is based upon their financial needs and their monthly pay cheque. Payday loans are widely used by those who struggle to obtain other forms of credit.

How long does the application process take?

The short and simple application process only takes a few minutes to complete. The application can be filled out in 60 seconds, and it only takes approximately 90 seconds for our secure servers to process the application.

What must be included on the form?

The application form will ask for your name and contact details, employment details, and information regarding your financial situation. That is all there is to it. On average, the simple, one-page form only takes one minute to complete.

How soon can I receive the funds?

If your loan application is submitted Monday-Friday, the funds will be deposited into your account within 24 hours. Typically, the money will appear in your account within two hours of the application submission. However, to ensure the prompt delivery of your funds, it is recommended that you apply before 3pm Monday-Friday. If you apply during the weekend, the funds will usually be available Monday, but sometimes you may receive them sooner.

Is there an application fee?

No, you will never be charged a fee simply for applying. As a general rule, applicants are only charged after they have taken receipt of the funds they need.

Are there hidden charges?

Our helpful service is 100 per cent transparent, meaning there are never hidden charges. All of the fees and charges are clearly explained on our website and throughout the application process.

What are the charges?

If you make a late payment or miss a payment entirely, you will be charged a late payment penalty fee. However, those who inform their lender of a potential late payment beforehand are sometimes not charged. On occasion, lenders do allow customers to roll over payments, providing them with the ability to avoid late payment charges.

Is customer service available to answer questions?

Yes, our friendly and highly-trained staff are available 24 hours a day to answer any questions that may arise.

Is the loan process safe and secure?

Our loan service is absolutely safe. We strictly follow the industry standard security protocols, ensuring that any information you submit on the application is safely kept on our secure servers.

Is the loan service legitimate and legal?

Our helpful loan service strictly complies with British law and is completely legal in England and Wales. Our full-time compliance department diligently works to ensure the future legality of our popular and friendly service.

What do I do if I am having trouble repaying my loan?

Our lenders strive to only grant loans to those who demonstrate an ability to repay their loans. However, we understand that financial situations change without notice from time to time. If you find yourself struggling to make your loan repayments, we recommend you contact the lender for assistance as soon as possible.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

Representative example: £400 borrowed for 30 days. Total amount repayable is £459.36. Interest charged is £59.36, interest rate 180.5% (variable). Representative 728.9% APR.