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Representative 277.5% APR Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed). The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances.

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

You will never know when you will stumble upon life's road bumps. Unfortunately, those road bumps require extra cash which you don't have. During these times, you may need a quick loan that will help tide you over until you get your next pay. It will give you a sense of relief that you can get the extra money that you need without too much difficulty.

You can fall short on cash due to an unexpected car repair or a medical emergency – everyone experiences money shortage once in a while. We offer a convenient way to apply for a quick loan, offering the most reasonable rates in the market.

Looking for a reputable loan provider can be challenging. Don't worry, we will do the searching for you so you won't have to.

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Quick Loans: Where to Get Them

A reputable loan broker will ensure that you will get the credit that you need in the quickest way possible. As a trusted loan introducer, we offer a simple and straightforward loan application process to applicants. There are things that you may need to know about the loan process, which is completely normal. Here are the answers to the frequently asked questions of our clients and customers:

How long will the loan application take?

You need fast cash, we're here to make sure you get it. We want loan applicants to enjoy a streamlined and convenient application process so we made it less complicated. This means you can get the money that you need within minutes once approved by a loan provider – directly to your bank account!

However, a quick loan will take longer to process when a higher loan amount is requested. Bank processing turnaround times – one of the factors that we cannot control – may also influence how long the loan proceeds will reach your bank account.

How fast your bank processes transactions play a role in how quickly you can receive the money in your account.

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Can I get a loan using my smartphone?

If you own a smartphone, you can put it to good use by applying for a loan through it. There is no need to worry since most smartphones have effective built-in security. Applying for a loan through a smartphone is convenient because most online providers optimize their websites for mobile use.

Obtaining a quick loan through your smartphone is as easy and hassle-free as sending an application through your laptop or desktop computer. For those who have qualms in using their mobile device to send their loan application: as long as you have the updated software from the manufacturer, the security of the phone is sufficient enough to use for a loan application.

How long will I wait to receive the proceeds of the loan?

Unforeseen emergencies require additional funds as soon as possible so it is pertinent that your loan provider can deposit money into your account in very little time. Our process was designed to reduce waiting time so you can take care of your financial obligations immediately.

We made sure that our application process is efficient so you can receive the instant decision for your loan. As soon as your application is approved, our trusted loan providers will transfer the amount to your account in no time. Ideally, the loan application can be completed in several minutes. In case of higher loan amounts requested, the loan process may take a little longer, but still fast based on industry standards.

Our fast loans can provide amounts of £50 up to £5000. The best part is that you can seek repayment terms that will suit your financial capabilities, which will also depend on the borrowed amount.

What we cannot control, however, is the internal systems of the bank processing the money transfer. Bank processes may affect the time it will take for you to receive the money in your account. However, most banks nowadays employ efficient processing procedures so the additional waiting time is not too substantial.

Is it more expensive to get a quick loan than a regular loan?

Quick loans, in essence, are payday loans. There was a lot of bad press for payday loans in the past because of the exorbitant interest rates and the repayment terms are difficult to handle. Unscrupulous and rogue loan providers that preyed on desperate borrowers are gone. Borrowers can look for loan providers and brokers that are licensed and regulated by the Financial Conduct Authority (FCA).

The Financial Conduct Authority is the agency that monitors and ensures that direct lenders follow ethical and regulatory guidelines. Because of this, consumers are protected from abusive direct lenders. However, despite being regulated for fairness and ethical practices, the interest rates of quick loans are still higher compared to regular loans.

The downside to quick loans is that it can grow very expensive when the payments are not settled on time. Should you have any reason to believe that you cannot pay your dues on schedule, you should reach out to your lender as soon as possible. Being honest about your situation indicates your willingness to pay your obligation.

Ignoring the lender will do more harm than good, as the loan provider may assume that you are dishonest or have bad intentions.

Will I get a loan if my credit score is bad?

Borrowers with bad credit are encouraged to apply for a loan. Our trusted loan providers have different requirements and qualifications, as well as the flexibility of terms. This ensures that people, no matter how their credit looks like, get the cash that they need – and in an instant, too. We believe that everyone should have a fair chance of getting credit when needed despite the bad financial decisions made in the past.

We prefer to know more about your latest financial situation than your past mistakes. Take note, however, that bad credit loans usually have higher rates than what is typically offered. The higher interest rates are a way for loan providers to compensate themselves for the risk of lending money to borrowers with bad credit.

If the loan is paid on time, however, it will boost your credit rating. We help you find the most suitable loan product for your situation so that you can solve your financial woes immediately.

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Is it possible to get an online loan?

There are different loans available over the Internet. Applying through our site ensures that you will obtain the most suitable loan with very little waiting time. We continue to improve our online loan process to ensure that our clients get the financial aid that they need. The entire process is hassle-free and simple, so you can get the quick loan money that you need.

You should note, however, that quick loans are payday loans that should not be used as a permanent fix for your financial problems. Quick loans are designed to help people get rid of an immediate monetary dilemma. We understand the urgency of your financial situation so we keep the loan application process simple for fast loan seekers.

Is there any fee to pay to apply for a quick loan?

We do not charge our clients to use our site to obtain a loan. You will receive a breakdown of the fees and interest rates that are part of your loan.

How much money can I get from a quick loan?

A quick loan usually ranges from £50 up to £5,000; and depending on how much you will borrow, you are allowed to choose the terms of repayment most suitable for you.

A higher loan amount may be repaid over a longer period compared to smaller loan amounts. You will incur additional fees or penalties for not paying on schedule. One of the ways to avoid overstretching your budget is by getting an amount that you can afford to pay comfortably.

If you think you will have difficulty continuing your repayments, be sure to inform the lender immediately. It Is best to inform them of your situation so that they can offer a solution to your dilemma.

Is the payment for my quick loan due on the next salary day?

Payday loans and quick loans have similar characteristics. Quick loans were originally referred to as payday loans since the amounts granted are the same as a salary advance from your employer. The main difference between a company payday loan and a direct lender payday loan is the interest. So payday loans and quick loans work the same way – they are small amounts of borrowing that must be repaid in full on the next payday.

Nowadays, there are some changes in the way quick loans work – they have become more flexible and user-friendly. Borrowers are now able to select from flexible repayment terms and various loan amounts. In other words, you can obtain q quick loan that is suitable for your unique financial situation. The duration of your loan depends on the terms you agreed on the loan contract. Borrowers who opt for a higher loan amount will likely choose a longer repayment period.

To minimize the loan's interest rates, you can opt for smaller loan amounts so it can be repaid much quicker. In general, the rule is to go for a loan term that you can pay comfortably and realistically.

Is it possible to repay my loan earlier than scheduled?

It is alright to pay back a loan earlier than what is based on the loan agreement. You may be able to save money based on the terms of your loan. Some lenders will reduce the loan interest when paid off earlier. Some loan providers, however, have fixed interest rates regardless of the loan was paid off in advance.

Legitimate direct loan providers are regulated and authorized by the Financial Conduct Authority (FCA) so they are mandated to be transparent – or in other words, adhere to guidelines and ethical standards. If you are unable to find the desired information before taking out a loan, you can reach out for immediate clarification.

Key points

  • Online lending has meant that getting a quick loan is a simple process via any smartphone or tablet.
  • UK direct lenders can make instant decisions on smaller value loans, though larger long term loans can still be arranged swiftly.
  • Faster processing can also means that those with bad credit scores are more likely to be considered for acceptance.

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