Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk
Which payday loan is best for people with bad credit?

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The Important Parts

Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

Note: Loanago is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

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

Loans subject to status. Over 18s only. Minimum loan amount may apply.

Rates from 4.5% APRC to 500% APRC are available – the highest rate is for customers with severe credit problems. Loans available from 1-25 years. TYPICAL 10.9% APRC variable

Lenders Facts

Loan amount
£50 - £2,000
Loan term
3 Months Only
CUSTOMERSCORES
Good
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Loan amount
£200 - £1,000
Loan term
3 - 6 Months
CUSTOMERSCORES
Excellent
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Important Things about Fast Easy Payday Loan Bad Credit

Fast easy payday loan bad credit are personal loans that you get as and when you need. However, like any other loan, there are some terms and conditions that you need to satisfy in order to get the loan. The good part is that the loan requires very little checks and if your application is not flawed, you will be able to get the money in your account by the end of the day. The rate of interest that you have to pay for the fast easy payday loan bad credit is its downside and the number of days within which you have to pay it back is also limited. But, there are no other loans which will be able to provide you with the quick cash that you need and within the short period of time that you want.

Think Before your Borrow

There are a number of people who are looking for fast easy payday loan bad credit and get denied approval. In such cases, the best thing to do would be to look for legitimate alternative options that will help you face your financial trouble. Here are some things that you need to look for in a lender before settling for one.

  • Authorised: Authorization by Financial Conduct Authority is a must as far as the UK is considered so check if your lender is authorised with one. In case you are looking for online lenders, you can verify their authorization based on the registration number that they have posted on their website.
  • Lender: There are many online payday loan companies which tell you that they will connect you directly with the lender. But instead, they actually take your information and give it to the best bidder. This way you lose the opportunity to choose the loan that will best suit your need. Moreover, there is a law which requires such companies which do not take you to the direct lender to state that they are a service provider of loan and do not provide the loan themselves.
  • Address: A reliable online lender will definitely provide a physical address through which you can get in touch with the company directly. However, if the company is not honest and does not have reliable lenders, they will leave out the physical address through which you can contact them.
  • Identity security: Internet hacking is one of the most dangerous issues that have been haunting the society. Ensure that the company that you are dealing with uses top-notch security technology like VeriSign Secured or McAfee Secure to make their site the safest ones on the internet.
  • Privacy Policy: If you take a look at any website, you will notice a privacy policy stated at the bottom of the web page. However, if the company that you are dealing with does not have a privacy policy, you might want to rethink the company as it will be less reputable and will not have the best deals for you.
  • Industry best practices: Credit Industry Fraud Avoidance System and Consumer Finance Association are some of the organizations that your loan lender should be a member of. A good way to identify it would be to look at the logos on the lender’s site so that you are aware of what the company is associated with.

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Applications Accepted

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With Bad Credit

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Return Customers

Short-term or Long-term

Fast easy payday loan bad credit are said to be short-term loans due to the short period of time within which you will have to repay the loan. This is also the reason why these loans tend to be dangerous to take as it has a short time frame and if you have taken a large loan, it will be difficult to repay the loan from your salary after meeting your monthly expenses. They should be used only when you have no other option and are confident that you will be able to repay the loan properly, on time.

Taking a fast easy payday loan bad credit is a huge responsibility that you have and you should make sure to do everything you can to repay the loan that you have borrowed within the time period that you have promised. Failure to do so will result in default of the loan. Once the loan defaults, you will want to either extend your period or pay the loan along with the penalty incurred. However, there are some states which do not allow extension of the period of fast easy payday loan bad credit. So before you take the loan, make enquiries on what the penalty is if you default the loan.

5 most recent personal loan reviews

Review of Funding Circle

Very quick response and good safety features. Speak to real people once the application has been logged. Very simple to fill out. Would definitely recommend Funding Circle to anyone.

Review posted by Gary Craigs, Dumfries

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Savvy

Really Great Service! Thoroughly recommend! Have dealt with several loan companies & Savvy is definitely the best, easiest, professional & they do exactly what they say unlike many other financial companies that lead you up the garden path!

Review posted by Helen Stern, Sheffield

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Capital One

I have poor credit and really needed the money to pay a court fine or be up against the magistrate again. Really helped me out and I found the charges for the credit very reasonable. Would highly recommend if your in a pinch. Great customer service and went out of their way to help get the loan out the same night I applied. Started 6pm and had money in the bank before 10pm. Great service.

Review posted by Blake Harrington, Margate

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews have been sourced from Trust Pilot to ensure the authenticity of accounts.