Payday Agency

Why Do I Have to be Over 18 to Apply for a Payday Loan?

admin — Wed, 09 May 2012 14:36:52 +0000

At 16 you can own your own place, be in fulltime employment and pay taxes, and have the same money worries as everyone else. But at 16, you can’t ease the strain when things get tough by applying for a cash advance. Many teenagers in this age bracket often feel that this is unfair, so why is there an age limit on these cash advances?

Legally, it is very difficult to give this type of loan to people in this age bracket. While you may have left school and be in full time employment at this age, there are a large percentage of people who won’t be.

This makes the age category much more high risk, as there is every chance they will be unable to make the repayments. So for this reason, there has to be a legal age limit applied to the lending of money.

Failing to make the repayments is damaging for your long term credit rating, and is something that will affect young people for a long time. Which is why we are committed to responsible lending, and is why we will only accept your application if you are over 18.

Who Can Apply For a Loan?

To be eligible for a loan you must:

Be over 18 at the time of application
Take home a net salary of at least £750 a month
Have a bank account, in your name, with a valid debit card
Live in England, Scotland or Wales

Our application takes a matter of minutes and, once approved, the money could be in your account the very same day. Our interest rates are transparent – what you see is what you will typically pay. To find out more about our APR and the costs of our loans, click here.

Three Reasons Why the UK’s Payday Loans Can’t Be Beaten

admin — Wed, 28 Mar 2012 09:00:52 +0000

Like many countries across the world, the UK’s short term loan market is massive. As household bills and petrol prices reach record highs, more and more families are turning to payday loans to help cover the costs. As short term loans grow in popularity the world over, here are three reasons why borrowing a short term in the UK is better than anywhere else:

Ease of Application

Applying for a short term loan in the UK couldn’t be easier. Payday Agency’s online application process takes just minutes, and once accepted the money can be in your account the same day. With no need to queue in the bank or fill in laborious paperwork; payday loans are the perfect solution for people in a hurry.

With Payday Agency, almost anyone can apply for a loan. All we ask is that you’re over 18, with a steady income and a bank account. Unlike banks and many other high street lenders, we don’t carry out credit checks. So if your record isn’t as good as you’d like, you can still benefit from our services.

Repayment Rates

The UK’s short term loan market is also so popular because of the rates or repayment, especially those offered by Payday Agency. Simply pay us back the amount in full on your next payday. Pay us back before, and you’ll save yourself some money. Payday Agency offers a rate of around £25 for every £100 you borrow. Just make sure you read what it costs before you apply.

Hundreds of Uses

The third reason why short term loans can’t be beaten is because they have so many uses. Whether your phone or electricity bill is a little larger than expected this month, you need to cover the cost of a car repair, or you just need a bit of extra cash; we can help. With no questions asked, you can put the money to whatever you like.

So, What are You Waiting For?

With so many reasons why short term loans in the UK are so popular, there has never been a better time to help make your money go further. Contact us today to see how we can help you.

Boost Your Monthly Wage with an Express Payday Loan

admin — Mon, 19 Mar 2012 09:28:18 +0000

If you work in sales or any other commission based role, the money you pick up each month can vary considerably. You might have one month where you beat all your targets, followed by one where nothing seems to go right.

When this happens, it can be a daunting time for anyone – especially if you have a family to feed and bills to pay. It may seem like all is lost when this happens, but there is a light at the end of the tunnel.

An express payday loan from Payday Agency could provide you with the extra cash you need in the short term, to help with your long term finances. This type of loan is great for helping you meet those costly monthly bills, cover the cost of an unexpected car repair or simply act as a financial safety net until next month.

How to Apply for an Express Payday Loan

Applying for an express payday loan couldn’t be easier:

Request your loan amount on our simple application form
No need to queue in the bank, or fill in paper work as everything is online
As long as you’re over 18 with a steady income and bank account you can apply
Once approved the money will be in your account straight away

We don’t carry out credit checks so even people with a less-than-perfect credit record can apply and benefit from our loans. All we ask is that you meet your repayments, and pay us back in full on – or before – your next payday. For every £100 you borrow through Payday Agency, you’re charged a clear and simple fee of around £25. To find out more view our rates and see what it costs.

What to Spend Your Express Payday Loan On

Well, that’s entirely up to you. If you’ve not earned as much as you’d like this month, been over-charged on your tax or been hit with a larger than expected bill, an express payday loan will take the stress away.

Car repairs, paying off bills or simply your weekly food shopping can be made much easier, especially in tough financial times. As long as you can meet the repayments on time, express payday loans are a hassle free way of easing your money worries this month.

Cover the Cost of Car Repairs with Payday Agency

admin — Thu, 16 Feb 2012 16:01:26 +0000

As winter well and truly bites the UK, it’s important you make sure your car is fully equipped to cope with the plunging temperatures, ice roads and snow. It is no secret we’re not very well prepared when it comes to clearing our roads for the winter weather but when you have to get out and about there are a few things you can do:

Make sure you have plenty of anti freeze and wiper fluid
Check your oil and tyres
Keep a blanket, torch and warm clothes in the car in case you break down
Keep your headlights in good condition
Make sure you have plenty of fuel

How a Payday Loan Can Help

We’re often told to invest in winter tyres, but on top of everything else this is very expensive. Make sure you car is serviced and MOT’ed as well as well stocked up on fluids and winter tyres. If you just don’t have the spare cash, a next day loan from Payday Agency can help.

We can provide you with an instant cash injection to help keep your car on the road this winter. After all, you need to be able to get to work and take the children to school. It is important you take care in hazardous conditions so it is wise to invest.

An emergency payday loan from Payday Agency can fund your car service and help get your car winter ready. Simply pay us back on your next payday, or sooner if you can. You can spend the money on whatever you like.

Payday Loans Cover Costly Repairs

The cold weather can cause a lot of wear and tear to your car. The freezing temperatures can cause chips in your windscreen to crack, or a bump in the ice could result in an expensive repair job. We know how important your car is to you, so we can help you put your car back on the road.

Our application process is quick and easy. Just fill in our online form and the money can be in your account in minutes. Those important car repair costs are covered, just when you need them to be. Our short term payday loans are based on what you earn so you’ll never borrow more than you can afford.

Recession Proof Your Wallet with a Next Day Loan

admin — Wed, 25 Jan 2012 16:16:52 +0000

With recent reports stating that Britain is on the brink of entering a ‘double-dip’ recession, and that we stand to lose our AAA credit rating, things are looking bleak. It is no secret that we’re all a bit strapped for cash right now, but the price of many necessities seems to be slowly rising.

The recent cold snap hasn’t helped homeowners either. Our heating has been turned up, and in some cases the cold weather has left us with frozen pipes and broken boilers. If your monthly pay doesn’t stretch far enough, and you’re struggling to pay off these bills – all is not lost.

An emergency payday loan from Payday Agency will cover the cost of any unexpected household bills or repairs, in a flash. Our online application process is quick and easy. Fill in the application form on our site and the money will be in your account within minutes.

You don’t need a perfect credit rating either. With a loan from us, you’re guaranteed to be accepted. Just as long as you have a full time job and live in the UK. Borrowing money to cover those emergencies really couldn’t be easier.

What’s more, you only borrow what we know you can afford to pay back. Our charges are clear so you know exactly what you owe. That way, there are no hidden catches or charges and you’re always in control of what you borrow.

So whether you need the money for an emergency repair, costly bill or just to help your monthly wage go a little further; Payday Agency has the answer. Contact us today to see how our instant no fax payday loans can recession proof your wallet.

How Can I Benefit From An Express Payday Loan?

admin — Wed, 11 Jan 2012 14:42:11 +0000

More and more people are turning to express payday loans for an extra cash injection when their pay just doesn’t stretch far enough. You’ve seen the adverts and read the news but how can a quick cash injection like this work for you?

A short term loan from Payday Agency can cover your back if there is an unexpected emergency. Unlike long term bank loans, you don’t need an excellent credit rating – just a secure job and bank account. It’s much quicker to apply too. You fill in an online form and get a decision within money. In most cases, the money will be in your bank the same day.

The money you can borrow depends on your salary but is generally between £80 and £750, and is paid back on your next payday. How you spend the money is up to you, just remember to pay it back on or before your next pay check.

Top Uses For Express Payday Loans

There are plenty of things an express payday loan from Payday Agency can help you cover the cost of. The most common use for a loan of this type is to help meet monthly bills. If an unexpected bill arrives before payday, or you’ve spent a bit more than expected, our short term payday loans can help you pay the bills and keep you in the black.

We Britons’ rely heavily on our cars and when they break down it is both inconvenient and expensive. Our emergency payday loans can help put your car back on the road as quickly as possible, which will be music to many a car owners’ ear.

Another use for our express payday loans could be home improvements and household emergencies. Leaky pipes or broken fridges that need to be fixed immediately often come at a time when money is tight. One of our short term loans can help address the problem with minimal fuss.

The Next Step

If you’re looking for an express payday loan to ease your money worries, contact us now for a hassle free payday loan.

How Quickly Can I Get An Emergency Payday Loan?

admin — Thu, 15 Dec 2011 10:30:05 +0000

They say things often happen in threes – your phone bill is a little larger than expected, your car has broken down and you have no cash left until pay day. If this sounds familiar, an emergency payday loan from Payday Agency could help.

Emergency payday loans are the perfect protection when disaster strikes. If your wages don’t quite stretch to covering the cost of that unexpected bill, our payday advances can help you out in a flash.

There’s no lengthy paperwork to fill out either. By just filling in a quick form online, you will have a decision within minutes and your payday loan in your bank account the very same day! Our emergency loans are between £80 and £750 and are repayable on your next payday. As long as you’re over 18, have a steady income and have a debit account you can take advantage of our short term payday advances right away.

What Can I Use Emergency Payday Loan For?

You can use your loan for anything you like. If an electric bill, phone bill or rent is due before your pay check arrives, our unsecured loans might be the extra cash you need to fulfil the expense. A short team loan to pay these bills can help keep negative marks off your credit report.

People’s cars are often their lifeline and only way of getting out and about. Payday Agency’s short term loans can help keep your car on the road, and keep you mobile. Our loans are quick, simple and hassle free, the easiest way to banish life’s little emergencies.

If I Have A Poor Credit Rating Am I Still Eligible For An Emergency Payday Loan?

Anyone can apply for one of our loans. We don’t carry out credit checks and there is no need to fax over paperwork. Whatever your credit rating, you’ll receive instant online approval and the cash will be in your account the very same day.

If you’re a homeowner or not, an emergency payday loan from Payday Agency can help you face anything life throws at you.

Why Are Next Day Loans So Popular?

admin — Tue, 25 Oct 2011 10:45:01 +0000

As the credit crunch bites, more and more people are turning to a next day loan to help ease their money worries. Here are some of the reasons why payday advances of this nature are so popular:

They’re quick – you can fill in our online form in just 6 minutes and the money can be in your account the same day
They’re hassle free – you don’t need to fill in lots of forms or fax any paper work, it’s all online
You don’t need a perfect credit rating – we don’t run credit checks so if you’ve been turned down by the bank, we can help
They’re built around you – you choose the amount and how long you would like it for

It is easier than ever to add a cash injection to your wallet before payday, whatever the emergency.

What Are The Alternatives To Next Day Loans?

As beneficial as they are, a next day loan isn’t always for everyone. With so many different brokers and interest rates to contend with, payday loans can prove quite confusing. If you’re unemployed or worried about meeting the repayments, there are a number of alternatives to these cash advances:

Speak to your creditor – you can often extend the due date or make partial payments
Speak to your employer – work some overtime or ask for an advance on your paycheque
Sell unwanted items – there are a whole host of online auction websites and pawn shops you can use
Borrow from family or friends – discuss a repayment plan and treat like a bank or next day loan

The Next Step

If you think a next day loan from Payday Agency can help you, contact us now and the money could be in your account today.

Where Can I Find The Cheapest Payday Loans?

admin — Fri, 21 Oct 2011 10:34:13 +0000

With more than a million Britons taking out short term advances to cover mortgage repayments a year, competition to provide the cheapest payday loans is fierce.

There are plenty of brokers of all shapes and sizes to choose from when looking for a bit of extra income to cover the repayment of household bills. But how do you know that you’re getting the best deal?

The amount you borrow, the period over which you pay it back, and at what interest rate differs from company to company. Anyone looking for a short term advantage such as this should shop around to find the best interest rates and the best loan for them.

Here at Payday Agency for every £100 you borrow, you are charged a simple fee of £25. This includes all transaction costs and must be paid in full upon repayment of the loan. It really couldn’t be easier.

Hints To Find The Cheapest Payday Loans

We’ve written a few handy hints and tips to help you find the cheapest payday loan:

Shop around – there’s lots out there so make sure the loan you take out is right for you
Before you commit to any payday loan, make sure you know exactly how much you will be paying back
Where possible, pay your loan off early to avoid late fees
Make sure you know the implications of not being able to make your repayments – speak to your broker to see how they can help you if you’re struggling to meet repayments
Only borrow what you know you can pay back, you don’t want to end up worse off financially

With no forms to fax and an online decision reached in minutes, it is easier than ever to apply for a cheap payday loan. So what are you waiting for? Apply for a payday loan today!

What Are The Most Popular Short Term Loans in the UK?

admin — Tue, 13 Sep 2011 10:47:44 +0000

With rising bills and slashed household incomes, people are struggling to find the best short term loans in the UK. With so many to choose from, it can be a confusing and time consuming minefield. We’ve compiled a list of some of the options open to you:

Overdrafts

An overdraft acts as an extra income. You arrange a set overdraft limit with your bank to give you the peace of mind that there are always a few extra pennies in your bank.

Overdrafts are quick, easy and one of the most popular forms of short term loan in the UK. If you go over your limit though, you can incur very high charges from the bank.

Bank Loans

If you need an extra cash injection to pay for a new car or home improvements, a bank loan is a good way of finding these extra funds. With more money on offer than an overdraft, you can borrow a set amount and pay it pay over a certain time.

As with overdrafts, there are large penalties for missing the repayments on your bank loan so make sure you can meet the repayments before spending the money. You must also have a good credit rating to take out a bank loan, leaving many people in the UK without the extra cash they need.

Any form of borrowing from the bank also results in lots of paperwork and a lengthy decision making process. If you need the money fast, and don’t have the best credit rating there are still a number of options available to you.

Payday Loans

Payday Loans are fast becoming one of the most common forms of short term loans in the UK. With no complicated paperwork to fill in, you can have the money in your account the same day. You are free to spend the money as you wish, just pay it back on or before your next payday.

As with any loan though, you can incur high charges for late repayments so make sure you are able to meet these before applying.

Borrowing From Family And Friends

Another way in which you can access a short term loan is borrowing off family or close friends. Mixing money and family is often a bad idea so if you go down this route make sure you set up a repayment plan as you would with any other loan.

The Next Step

If after researching all of the short term loans in the UK you feel a payday loan is best for you, contact us now.