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What Are Payday Loans?
Payday loans do exactly what they say on the tin. They are short term financial solutions which are designed to help consumers through until their next payday, offering loans in the hundreds of pounds rather than the tens of thousands. What makes them so popular is the ease of the application and deposit process.
Once you’ve received a payday loan comparison from Creditraters.com, you’ll be able to apply through your chosen payday lender in a matter of minutes. You’ll simply need to include some information about your personal finances, employment status and the date of your next pay cheque, and the lender will create a suitable repayment plan which ties in with this date. If you reach the end of the month and suddenly find that you’re unable to make your repayment on time, then you’re able to apply for a rollover. This is whereby the existing payday loan is cleared using a new payday loan, with the total repayment then made on your payday the following month instead.
If you do find yourself in a position where you’ll need to take a rollover then your payday lender will provide you with a detailed guide on free debt solution services to ensure that you don’t borrow more than you can afford to repay.
Who Are Payday Loans Suitable For?
Payday loans are ideal for anyone looking for a short term borrowing solution. They should never be used as a long term borrowing solution due to the interest rates involved but have helped thousands of customers across the country to deal with unforeseen emergencies. There’s a common misconception that payday loans are only for those in full time work. Whether you’re working full time, part time or on a self employed basis, you’ll be able to apply for payday loans so long as you can show that you have a regular pay date.
Struggled to get a loan elsewhere due to a poor credit history? Poor credit history should not be a problem. As long as you can prove that you’re able to make your repayments and your credit score reflects your creditworthiness, then you may find it easier to get a payday loan than a traditional short term loan. You may even find that funds can be transferred directly into your personal bank account on the very same day that you apply.
How Much Will A Payday Loan Cost Me?
Payday loans have at times been given a bad name due to the high level of interest rates which they offer, however these interest rates are reflective of the short term nature of each loan and the risk that each lender is exposed to.
New laws have recently come into effect to help protect consumers against heightened rates and now there is a cap on how much each lender can charge. Payday lenders can now charge no more than £25 per £100 borrowed per month with a cap of £15 on any default charges if consumers can’t afford them.
Of course, these are the maximum limits available and there are still plenty of companies which choose to provide payday loans for a far lower rate than this. No matter which company you opt for, they’ll provide you with a full and detailed breakdown of how much is due and on what date. This will include information about the total interest payable, any fees and how the funds will be taken.
How Can I Apply For A Payday Loan?
Due to the differences in rates charged by each company, it’s absolutely essential that anyone taking out a payday loan uses a comparison site like Creditraters.com to find the most suitable deal. You’ll save huge amounts of money by carefully shopping around and being as transparent as possible when it comes to deciding what’s affordable and what isn’t. Once you’ve completed your Creditraters.com payday loan comparison, simply choose a company that meets your requirements and complete their simple online application form. In line with responsible lending practices, they’ll want to carry out a credit check to make sure that you can afford the loan and won’t be put into any financial problems by taking on additional credit.
The vast majority of payday loan applications will be underwritten immediately online and you’ll be able to electronically sign your credit agreement there and then. Alternatively, there will be some instances when additional checks are needed in which case you may find that you need to confirm the application by telephone prior to funds being released. Many payday loan companies will also limit the amount that you can borrow on your first application with them but will then allow you to borrow more next time you apply. This is there own internal version of assessing your creditworthiness.
To find your perfect payday loan, compare options with Creditraters.com today and we’ll help you to take the hassle out of sourcing additional finance.