Representative APR 54.5%.

Loan term lengths from 3 to 36 months. Representative example: £1000 borrow for 12 months. A monthly payment of: £104.65. Total cost of credit:£255.80 based on an APR of: 54.5%.That's a total of: £1,255.80. Rates range from 54.5% to 1294%. The APR will depend on your financial circumstances and loan amount will be subject to lender’s approval. Lenders will perform a soft search to confirm your viability for a loan. If you accept an offer a hard credit search will be made by the lender. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk. Pales Tine Payday Loans is a broker and not a lender and does not make credit decisions.

Payday loans

Getting the best payday loan

Best payday loansYou only need to type the best payday loan into a search engine to realise that there are literally thousands of different offers available to you with regards to a payday loan. As a result, finding which payday loans lender is going to give you the best deal may take some time to research. One great way to find the best payday loan provider is to contact a series of credit brokers that will be able to put your applications to a large number of lenders and they’ll be able to expedite the process of getting a payday loan that would suit your personal no circumstances.

Payday loans are really effective when you’re look into solving a short term problem like running out of money before the end of the month. We’ve all been there, we’ve found ourselves in a situation where we have just run out of money before the end of the month. Payday loans are absolutely ideal to bridge the gap between running out of money and the end of the month. Quick online loans will allow you to continue your everyday life as well as make sure that you can pay any bills that would otherwise become due during that period of time.

How to find the best payday loan online?

Finding the best payday loan online can be quite tricky and one the best solutions is to type into a search for something along the lines of pay best payday loan providers or the best short term loans provider. Any of these options will give you a whole host of reasonable solutions to ensure that you’re able to find a quality payday loan provider.

The best thing about fast loans is the speed in which you can be paid out. If you have reasonably good credit and your situation is straightforward you could find yourself with money in your account in a matter of hours, typically it can take 24 hours or a day or so to get cash loans approved but it depends on your personal situation. If you’re one of those people with were really good credit rating then you’ll find yourself getting money very quickly from a payday loan provider, but that doesn’t mean bad credit loans don’t exist too. If you’ve got bad credit history then it might take a little bit longer but there are still plenty of scope to get money from a payday loan.

What are the benefits of a payday loan.

One of the biggest benefits of a payday loan is the speed in which you can get paid. Simply put, typical banks won’t be able to give you quick loans in the same way a payday loan provider can. The reason is because of the different types of credit checks that both different providers carry out. A high street bank goes into a detailed credit check that be extremely lengthy in terms of time and process and not ideal for a £50 loan for example.

A payday loan credit check

A payday loan lender does things differently with payday day loans, they look at a different set of figures and stats to calculate whether or not it’s going to be possible to give you a same day loan. Normally it is an extremely high acceptance rate with payday loans making them absolutely ideal for someone with poor credit history that wishes to borrow money.

The other great thing about payday loans is the fact that you can pay them off extremely quickly which will reduce the amount of interest. Sometimes you can set up a loan repayment plan from only three months, so you’re going to be able to clear the entire amount fast.

Payday Loans FAQ

What are payday loans?

Payday loans are designed to get you through the period between now and the next payday. It’s really as simple as that. You won’t be overly questioned about your need for the loan. It’s understood that it’s generally a smaller amount within your salary range to tide you over or help you avoid defaulting on an important payment like car insurance which gets you to work for example.

How do payday loans work?

Payday loans are really simple, you fill out our short form, we send the details over to no less than 40 lenders who will all compete to give you the lowest interest rate possible. You sign an agreement with the lender and cash can be with you in 15 minutes in some cases. Payday loans work to save you from avoiding important defaults. A key example would be your car unexpectedly fails its MOT and you require that vehicle for work. While the interest is a factor, it’s going to be far more expensive to be out of work than take a loan. This is the correct use of a payday loan and how you take advantage of the quick opportunity correctly.

Can you go to jail for not paying back a payday loan?

No, you will not go to jail. If you have been told this by a collector or agency in an attempt to force you to repay, you should report them immediately It’s almost certain they won’t be in the Financial Conduct Authority Register (FCA). They have acted inappropriately and provided factually incorrect information. Unless you have committed some type of fraud or behaved outside of the laws of England and Wales you will not go to prison. That said, if you cannot repay your payday loan it is imperative you contact moneyadviceservice.org.uk or nationaldebtline.org as soon as possible to avoid the problem escalating.

Can I get a payday loan with very bad credit?

Yes you can get a payday loan with very bad credit. Normally lenders are looking less at your longer term credit history and more at how you can afford the loan you are taking out now. As long as you are over 18 years old, in employment and can show money in your account every month, a UK resident, and have a mobile phone then you will be eligible to apply for a loan with very bad credit.

How can I get fast money with bad credit?

One way to get fast money with bad credit is to contact payday loans brokers and lenders. They are setup in such a way that they can normally get credit offers to you within 15 minutes and the money sent instantly on approval and your agreement of the loan and repayments. The speed in which your loan is processed largely relies on your completeness of information and personal financial circumstances. The lenders can work this out quickly for you.

I can't pay my payday loans what will happen?

Always make sure that any loan you take out, you can afford or genuinely believe you can afford. If you cannot make your repayments as a result of change of circumstances you should contact your lender straight away so they can work out how best to help you. No lender wants to put you under undue stress or pressure and if you’re willing to work out the issue then it’s likely the lender will work with you. If for whatever reason a lender doesn’t want to help, you should contact moneyadviceservice.org.uk or nationaldebtline.org for advice straight away.

How we compare to Traditional lenders

Pales Tine Payday Loans Info Traditional lenders
What can I borrow the money for? Anything Needs a purpose normally
Will I get approved? High chance Much lower chance
Best way to apply? Online Online or in branch
How do I apply? Apply Online 2 min Application
What are the repayment terms? Flexible to suit you Set timing
How much can I borrow? Up to £5000 Normally unlimited
Interest Rate Normally higher than traditional lenders Normally lower

Why Use pales.co.uk

  • Cash Transferred Immediately
  • Loans for any use
  • Out of hours service
  • Minimal forms
  • No need to accept any offers
  • No obligations or upfront costs
  • Bad credit applicants accepted
  • Straight forward process
  • SSL Secure Technology
  • British trusted brand
  • Honest short term loan service
  • Very fast decisions