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What are payday loans?

Payday loans are short-term loans extended between two pay days. A payday loan is usually provided for 14 days. The borrower, after the loan conditions have been met, provides a check favoring the lender as security against the loan. On the due date, the lender deposits this check to get back the loan dues. The due date is usually the next pay day of the borrower. No credit checks are conducted to grant payday loans. So, the FICO score of the borrower is unrelated. It doesn’t make a difference whether the borrower has a poor credit history, or has no credit history, or has declared bankruptcy.

Payday loans often come with a very high APR which can put people off. This will on a regular basis be in the thousands, e.g. 2000% APR. This may sound very frightening, but with such a loan you might only end up paying back L50 interest. Thus it is possible that you have a 2000% APR loan, and only pay back $50 extra on interest. You could receive a personal loan over a year or two, and end up paying back hundreds of pounds in interest. However, the APR could easily be below 10%. This shows what the most important thing to consider is. It is the actual L amount you pay back. APR figures can be confusing.

The offerings:

Since it is a short term loan, it will enable you to get an amount up to $200 easily. Interest will be in between 10% to 20%. It will very much depend upon your financial standing in present days and your monthly income as well. Your monthly salary acts as a security to the lender. You should take only that much money you know you can afford to pay back on the next month without any strain.

The stats:

You are not able to secure a big amount of money through these loans as you would have been with other ones, but you can secure what you need to meet your emergency. You can avail money ranging from $200 to $1000 through these loans. Interest rate will range from 10 % to 20 %. In case your credit score is not sound then it can go up to 25 % the amount taken. No kind of collateral will be asked from you. These are unsecured loans.


The only chance to get the money transferred into your account quick is to go online. You have to fill in the application online with other required information including your identity and employment proof. If everything is correct, you will be informed within one hour whether your application is approved or not. If it gets approved then money will be transferred to your account instantly.


A payday loans UK are cash advance offered for a short period of time. You can borrow up to $1000 and will be expected to pay the money back within 30 days maximum. The eligibility age is to be over 18 and you need to have a bank account and a fixed source of income. So with payday loans you can always think about yourself as being well prepared for all those unbudgeted financial surprises.

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