How Our Service Works

Lend $100 to $25,000* by **

Our application process is simple, quick and absolutely free! Our customers are also under no obligation whatsoever to progress with the loan. If all you wish to do is gather information, and an understanding of what you may be entitled too, then that’s okay. We understand that sometimes all our customers want to do is to test their eligibility, just in case the day arrives when they need a payday loan for real.

So how do I apply?


Remember applying through a broker like us is just a way of getting a free, no obligation quote. Once achieved you can then decide if you want to formally apply or not. But our software will provide you with a service that searches the market for you, saving you the hassle and time of doing it yourself.

So, let’s get to the good stuff.

To get a free quote all you need to do is fill out our quick online application form on our website. This is private and we will keep this information in the strictest of confidence, but we do need to ask this information to make sure you’re eligible for a payday loan. So always make sure this is as accurate as possible to avoid disappointment later.

Once we’ve got a clear idea of who you are and what you need, we’ll then compare the market to see which lenders, and their payday loan products, would be a good fit for you. It’s also important to make sure we rule out the ones that would not be a good fit. We want to only show you loan products that you have a very high chance of applying for successfully. Some payday loans and their terms are very different from one another, and not all of them will be of benefit to you. Of course, we’re sure there will be some that are.

It’s very important for us to point out that there will be some occasions when we’re unable to help. If this happens then it means we’ve been unable to find a loan for you. It may be due to your circumstances or it may be because the product you’re looking for isn’t available. If it’s the latter, then it may be worthwhile amending your expectations slightly. The good news though is this is a rare scenario.

Applying through us and being rejected has absolutely no reflection or adverse effects on your credit file. Applying through a lender directly however doesn’t offer this same protection. That’s why getting a quote from us first is always the safest option. You’ve got literally nothing to lose.

Choosing the right loan for you


Once your application is filled out in full, and we’ve compared the market for you, we’ll then present you with a list of loans (and their respective providers) for you to examine at your leisure. Some may be similar to each other, while some may be very different. At this stage it’s just a quote, an understanding of what you may be able to apply for if you decide you want to.

Once you’ve examined each of the loan quotes, we’ve provided for you, you’re then welcome to formally apply for one you like the look of. To do this simply click on the one you want and follow the on-screen prompts.

You’ll then be re-directed to that lender’s website, but all the details of your application will carry over, saving you the hassle of typing it all in again. However, the lender may want you to confirm certain details or elaborate on others. This is normal and nothing to worry about, every lender is different and has their own way of working.

While you’re likely to be successful in your application (providing all the information you provided us was accurate), it’s the lender themselves who either approve or reject the application. It’s unlikely that you’ll be rejected however unless something unforeseen comes to light during this stage of the application. Once the lender has examined your application properly, hopefully you’ll then be notified by them of its approval.

This is usually confirmed by email or on the application page itself. Following your loans approval, the funds can be in your account later that day or during the next business day, depending on when you applied and whom with.

Repayment


Your repayment terms may be one of the things that encouraged you to select that lender, they may have offered a generous interest rate or allowed you extra time to pay the loan back.

Every loan’s repayment terms are different and depend on you, the product and the lender. Some small amounts may just need paying back on your next scheduled payday. But others, particularly larger sums, may require multiple pay days to be fully paid back. This is normal, despite the term payday loan, many loan products and their providers are happy to let customer tailor their repayment options.

Frequently Asked Questions


How old do I need to be?

Yes, you will need to be over the age of 18 to be considered.

Do I need to be a US citizen?

Yes with a full US passport.

What if I am rejected?

If this happens then it means we’ve been unable to find a loan for you. It may be due to your circumstances or it may be because the product you’re looking for isn’t available. If it’s the latter, then it may be worthwhile amending your expectations slightly. It’s also worth making sure all the details you provided are 100% accurate.

How much interest will I pay?

It’s hard to say because the interest depends on the product and the lender offering it. It also depends on the arrangement, i.e. how long the loan will last. However, the lenders we work with typically offer a representative APR to give customers an idea of what the interest could be.

Is it true that payday loans have a high APR?

Some payday loans do have a higher rate of interest than traditional loans. This is mainly due to them being offered to those who have a poor credit history, lenders are happy to help but they still need to make sure they cover any risk. A payday loan is also a shorter service than a normal loan, the higher rate of interest is essentially part of the fee paid in exchange for convenience. However not all payday loans have a higher rate of interest. Every company is monitored and regulated by the State and subject to the same fair-trading laws as any other financial company.