PAYDAY LOANS ONLINE
Do you need to access fast money, a quick decision direct from a UK based Payday lender? A bad credit history may not be a problem because of the way we assess the suitability of a Payday Loan for you.
We understand that, sometimes, an urgent bill can arrive that you simply haven’t planned for. A Payday Loan online may be the solution.
Warning: Late Repayment can cause you serious money problems. For help, go to https://www.moneyadviceservice.org.uk/
Payday Loans Online offer a solution to a short-term need for quick finance. Interest rates are relatively high however and you should think carefully before borrowing. Payday Loans Online repeated over a three month period will cost more in interest and charges than the amount you originally borrowed.
At Access Fast Money, we try to ensure that you can afford the repayment of your Payday Loan from only your “disposable income”, in other words, the amount you have spare from your wages after all of your essential bills are paid. You may find that you can avoid the need for a Payday Loan anyway.
If you are struggling to pay other debts or to simply make ends meet each month, Payday Loans are not for you. Free advice is available from the following organizations:
Stepchange Debt Charity www.stepchange.org
Citizens Advice www.citizensadvice.org.uk
Money Advice Service www.moneyadviceservice.org.uk
HOW DOES IT WORK?
All you need to do is fill out our simple web form. Click the BIG RED BUTTON to the right or click here to apply. Fill out your personal details and, hey presto, your Payday Loan Application is complete. You can send this application any time 24 hours a day seven days a week and you will be answered as soon as possible. Please note that we can only process your application during normal office hours.
We will process your application by carrying out various background checks and will then contact you to set the loan up (this can take up to 2 hours so please bear with us whilst these checks are completed).
The call will involve a brief review of your application to check information, followed by a summary of the loan you are taking and the risks involved. The loan will be created within this call and funds should be expected in 2 working days (or before close of business the same day if the same-day option is selected).
WHAT CHECKS DO YOU DO?
Unlike many Payday Lenders we do not carry out credit checks with traditional credit reference agencies or use credit scoring systems. We prefer to treat each customer individually assessing their ability to afford the Payday Loan and any information that might protect us against fraud.
The checks we carry out for payday loans online electronically are:
- Identity checks
- Information shared with other Payday Lenders regarding Payday Loan activity
- Solvency checks, this information may leave a “credit footprint” or a record of our search against your credit file.
- Bank Account/Debit card verification
Other checks include:
- Employment verification
- An affordability assessment based on the information you provide
- From time to time we might ask you for additional information or documentation in support of your application. This might be a payslip, bank statements or proof of identification and is usually only requested in the event of a failure or query raised by our electronic systems.
It is extremely important that you are accurate and honest in your dealings with Access Fast Money, it is against the law to obtain finance using false information. Providing inaccurate information could lead to Access Fast Money offering a loan which is unsuitable for you.
WILL I GET LOTS OF SPAM EMAILS AND TEXTS IF I APPLY?
Access Fast Money is a lender not a broker. All applications are considered for their suitability for a loan. We may, with your permission, forward your details to a broker if we are unable to offer a facility.
If you do not want us to do this, simply uncheck the box marked “I consent to my personal details being passed to other lenders should my application be unsuccessful.”
WHAT IF I CAN’T PAY?
Access Fast Money is a responsible lender, we make every effort to ensure that your loan is affordable and that you are able to repay it on the due date.
We know however that circumstances can change, even in such a short period, and we would urge you to contact us if you are unable to make your payment on its due date and we can discuss the various options available to you.
If you do not pay us and don’t contact us we have adopted a fixed scale of charges which will be applied to your account.
- Missed payment charge: £50 due if the account is not settled within 14 days from the payment date.
- Late Payment charge: £50 due in addition to 1. if the account is not settled within 1 calendar month from the payment date.
- Debt collection charge: £175 due in addition to 1. And 2. if your account has to be referred to debt collection agents.
- In addition, you must pay us any reasonable expenses and costs incurred in taking steps to enforce, or attempt to enforce our rights against you under this Agreement which may include court costs and interest on the overdue balance.
Access fast money payday loans online