Frequently Asked Questions
Our mission is to help UK residents get the best loan to suit their needs. We value our clients and take into consideration all kind of circumstances. Just keep calm and we will do all that we can to get you approved by the UK top lenders. Our aim is to get you back on track with your everyday life stress free.
YES GET LOAN NOW IS REALLY A TOTALLY FREE, NO COMMISSION SERVICE
We will never charge you anything for using our service, no matter what. We get paid by short term direct lenders for introducing them to potential customers.
To get the lenders compete for your loan, you must meet the following basic criteria:
- Clients must be over 18,
- Be a legal UK resident,
- Have a valid UK bank account (that accepts direct debits), an email account and a working phone.
- Clients must have a regular source of income (earning a minimum of £800 a month).
You can apply to borrow between £100 and £3,500
(The sum you can borrow will depend on your circumstances and will differ by lenders.)
Loans are for a period between 1 Month – 2 Years.
There are no real general restrictions on what you can use the money, however the purpose of short term loans are for emergencies and should be used responsibly.
Once your loan application is approved by a lender, and you agree to the lenders terms and conditions, the money could be in your bank account in as quick as in 15 minutes or as much as in a few days. Most lenders pay the money borrowed into your account on the same day.
Once your loan is accepted and approved, the money will be transferred securely into your bank account.
This is necessary to confirm the applicant is the owner of the bank account. As well the lender need to know where to deposit the funds and where to take the payment from.
Unfortunately its impossible– it is a strict requirement that clients must have a debit card before they can be approved for a loan.
If you wish to repay your loan back earlier, please contact your lender directly as you can agree this and may be entitled to a refund of a part of your loan fee.
No. A loans must be fully repaid before one can be approved for another loan. As a rule, one should only borrow what they can afford to pay back to avoid farther interest, charges and avoiding damaging their credit score.
Yes, you sure can. We are here to help you. As well we advise and stress all our applicants to read carefully the terms and conditions before signing the loan or anything. If you are unhappy with the offering, you are under no obligation to proceed. Just close the page!
If we are unable to find you a loan on this occasion we would do the at most to find you a solution such as Guarantor loan, direct you to anther broker, a credit improvement product etc.
You are under No obligation to accept anything, if you are unsure just close the page!
Never give your Credit Card before understanding why its needed!
APR means Annual Percentage Rate and it describes the cost of the loan (including interest, fees and charges) for a whole year. It is there to enable consumers to compare credit products and other payday lenders.
Because a short-term loan is generally for a lot less than a year, the annual percentage rate seems very high (as it also uses interest compounding) This can be confusing at times, but it is important looking carefully at the costs and on the actual final payment of any loans you are offered.
Some lenders use CPA (continuous payment authority) to retrieve payment. This means that you authorise the lender to withdraw the funds from your bank account. They can also make multiple attempts to withdraw the money if it is not available. If you want to cancel your CPA, you can do this by contacting your lender or by contacting your bank and requesting a cancellation.
We won’t but some of the lenders will examine your application in different ways. Some lenders simply analyse the loan based on repayment probability, while some may check with fraud prevention and credit reference agencies.
All lenders will run a full credit check before finalising you a loan.
Yes you can, our strong and reliable panel of lenders aim to help customers of all sorts and kind. Rather to only consider your past, your ability for future repayments will be taken into consideration.
We will do at most to find you a solution no matter what are your circumstances.
Usually the loan repayment will be automatically debited from your bank account on the agreed repayment date. Please make sure you have enough funds in your account on the repayment date. These are all made clear in the terms and conditions of the loan agreement when you sign up.
Yes it is! All your personal information is confidential and kept secure. We will only keep it for as long as necessary. All information provided is stored in compliance with the Data Protection Act 1998.
If you have any issues regarding the repayment of your loan, you must contact your lender in the first instance.
They can discuss the ways and options moving forward as well as advice on how to repay your loan.
If you are experiencing financial problems and have mounting debts, we strongly advise you NOT to take any additional loans and to speak with somebody about your situation straight away.