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The Answer To Your Cash Needs

Representative 277.5% APR

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances

Non-payment could have a negative impact on your credit rating and have increased charges and interest rates.

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Super Fast Process

You could get money directly into your account after just a 15 minutes application.

Affordable Finance

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Low Interest Rates

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Unsecured loans

There’s no need to put any collateral against your credit, all our loans are unsecured.

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Loan amount
£200 - £1,100
Loan term
1 - 4 Months
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Loan amount
£100 - £2,000
Loan term
1 -12 Months
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Bank Loans and Innovative New Loans Solutions: Knowing the Difference

As individuals and businesses big and small continue to rely on loans and loan solutions in addressing their ongoing financial needs and situations — the demand for loans has only continued to grow. And with the increasing number of individuals hoping to secure loans from the traditional lending institutions such as banks and other similar firms, the number of borrowers who default on their loans has also only steadily grown. As the number of those who default on their accounts continue to increase, as a consequence, so did the deficits of many of the lending firms and other similar establishments. In an attempt to address the seemingly endless problem concerning borrowers who default  on their loan accounts — banks, together with other lending firms, have decided to devise a system designed to help lending institutions address what appeared to be a  worsening situation involving  delinquent accounts. The system that the lending institutions came up with, which applies to all potential and existing debtors — was designed not only to easily identify borrowers who are more in risk of being unable to pay off their loans in the long term. In essence, this system was also tasked to segregate or separate the borrowers who are likely to get bad credit from those who are more inclined to pay off their debts without any problems. Because the credit scoring system was designed not only to curb the uncontrollably increasing number of delinquent accounts in and among the lending firms, but also to help easily identify debtors who will be paying off their loans responsibly without any interruptions or problems — from those who will likely be unable to pay off their loans. And although this system was largely effective and has brought many lenders tremendous advantages, the harsh reality consequent of having such system in place has pushed many borrowers to undesirable financial situations.

Cash Loans in the UK: Who Can Get Them?

As soon as the lending firms placed a credit scoring system in place, borrowers who either had incomes that were deemed insufficient by the lenders or had no stable income source at all, were automatically assigned poor credit rating. Borrowers who, on the other hand, have been frequently lagging behind their bill payments automatically had their payment histories reflect their late payments. As a result, those who were given poor credit rating, as well as those whose records reflected bad financial records were consequently precluded from acquiring any financial aid such as loans or cash products from any of the established money lending businesses and institutions, such as banks and other similar establishments. And because of this problem, borrowers with bad credit often had a hard time finding resolutions in times of difficult financial situations. In times of financial crises, they often had to choose between solutions that were either deplorable, implausible, or just extremely harmful options. Most of time, borrowers being hindered by their bad credit often had to choose between swallowing their pride by borrowing from friends and family, or suffer from the consequences of borrowing from illegally operating lenders. And because borrowing money from friends and relatives isn’t always relaxed, many borrowers are left to procure underground loan agreements from lenders operating illegally. And while this solution, in most cases, does provide people the temporary relief they often need in times of urgent financial situations — there are often long-term repercussions consequent of the unjustifiably high-interest rates that come with these financial options. The high-interest rates that normally accompany unregulated lending solutions often result to much higher payment interests, which are much heavier a burden to borrowers compared to that of other loan solutions. For this reason, borrowers are often left in perpetuated financial situations.

Cash Loans and Loans for Bad Credit: The Difference

For people living with poor credit rating and poor payment record, procuring loans from conventional money lending establishments such as credit union, banks, and other financial businesses has always been a problem. Because of this, many resorts either to just borrowing from friends and family or borrowing from lenders operating illegally. But with the innovative new loan solutions that have now been made easily available to borrowers in the market, people now have far better alternatives — even with their bad credit. Compared to most of the conventional payday loans that are being offered by traditional lending institutions and firms, the innovative financial solutions for people with bad credit are much easier to procure. While applying for conventional loans often entail long hours of falling in lines to submit applications, and longer for the approval and release of the funds they have requested — applications and approvals for these new lending solutions are much faster and far easier. With these innovative financial services, people have the option of completing the entire loan transactions online. And since applications can be completed over the internet, applicants have can secure, fill up, and submit their applications right straight from the comfort of their own homes. Through these innovative financial benefits, borrowers can assume for the instantaneous facilitating of their credit applications upon submission, and their approval in just a few minutes. The release of the borrowers’ approved loan funds, instead, it can be completed in as little as hours, or at least on the very day that their applications has been submitted. The innovative new loan services that have now been made available to borrowers in the market have a lot of benefits, even compared to the conventional loans being offered by the traditional lending institutions — but they don’t come without some disadvantages. Because most loans for bad credit are generally small loans intended for borrowers to pay over short-term payment conditions, financial needs that require amounts much higher than what can be taken from small loan solutions can not be addressed with loans for bad credit. And since lenders are taking much higher risks by providing loans to borrowers despite their bad credit — interest rates in these types of loans are typically much higher than that of most of the conventional loans that are being offered by traditional lending institutions.

Cash Loans and Instant Loans: A Comparison

For many individuals hoping to secure loans, many hope to get conventional loans that are being offered by traditional lending institutions. But since borrowers with bad credit are often precluded or disqualified from taking any more loans from the standard lending institutions, this is no longer an option. And because applications for conventional loans often take long, borrowers in urgent financial situations are best off securing loans that can address their immediate financial needs. Through innovative new loan services like instant loans, borrowers now have immediate access to much-needed financial resolutions. Through instant loans, borrowers can submit their requests from anywhere at any given time because transactions can be done entirely online. Application forms can be completed in two minutes, and applications are processed almost instantaneously after they are presented. For these types of loans, people have the ease of getting approval for their applications in just mere minutes, as well as their approved funds release in the same day in which, their requests were submitted. Because these types of loans provide borrowers faster financial solutions, they make great options in situations that call for immediate financial resolutions. In times of financial emergencies that involve unexpected expenses such as hospital bills, accident-related costs, car repairs, urgent home maintenance, as well as all other unforeseen costs, borrowers are best off securing instant loans rather than those from traditional lending institutions. With these kinds of financial services, borrowers can also make relatively affordable purchases that may at times be hard to store for — such as that of new gadgets, appliances, clothing and other related purchases. Instant loans also make good solutions in paying for miscellaneous expenses such as that of travel and others. But while these loan solutions have numerous advantages, the amount that borrowers can take out of these financial services aren’t as big as those that can be provided by financial solutions on long term payment conditions, such as bank loans and other traditional loan services.

Cash Loans and Loans from Direct Lenders: What to Expect

With most loans from banks and other traditional lending firms, applications usually entail long and tedious processes that often take weeks or even months to complete. Through flexible new loan solutions such as those being offered by direct lenders, on the other hand, borrowers now have immediate access to financial services in times of pressing financial crises. But while most borrowers believe that they have more chances of saving by procuring loans straight from the lenders, securing loans from loan brokers actually provide more benefits especially for individuals with credit. Through these types of loan solution services, borrowers have access to broader choices. With the help of loan brokers’ services, not only do borrowers have a wide array of choices of different types of financial services, they also have a wide variety of choices when it comes to the lenders offering their services. Because loan agents have a network of connections with different lenders from all across different regions, they have access to many discounts and raise being proposed by these lenders through their many of their financial services. And while borrowers may save while procuring loans straight from the lenders because of not having to pay for loan brokers’ services, borrowers securing loans with through loan brokers are likely to get more in the long run. With the proliferation of fraudulent lending firms and brokers, however, borrowers are advised to always take precautionary measures in securing loan services — be they directly from the lenders, or through the help of loan brokers.

Cash Loans and Guarantor Loans: Which Make Better Financial Solutions?

For borrowers in financial events that need more elaborate, possibly complicated financial resolutions, small loans on short term payment conditions are not the best solutions. But because most borrowers are hindered from securing conventional loans from most standard lending firms due to their poor credit rating, many are led to believe that they are left with no other better alternatives. With guarantor loans, however, borrowers have the convenience of enjoying the same benefits as those being offered by most conventional loans of standard lending organizations. Through these types of loan solutions, debtors have the benefit of enjoying low interest rates and longer payment period conditions. Guarantor loans are basically loans that are easily available to borrowers with the help of guarantors. Guarantors can be anyone aside from the borrower’s spouse, who are of good credit standing and willing and able to repay the debtor’s loans, in case they default on them for any reason. But while these loan solutions make great options especially for borrowers with poor credit rating, the difficulty linked in finding willing guarantors often makes them highly implausible.

Cash Loans and No Guarantor Loans: What to Expect During Applications.

While the processing of applications for loans in most traditional lending institutions such as banks and other similar firms often take incredibly long, applications for these innovative loan resolutions can be done in as little as just a few minutes. Because loan applications for these loan can be done completely online, borrowers can submit their loan applications from any parts of the globe, anytime. With these types of loan solutions, debtors need not submit any more additional requirements aside from a number of basic documents — which the lenders usually require to verify the borrower’s identity, as well as his or her monetary capacity. In presenting their requests, borrowers are urged to ensure that their loan application files are completed  with all the correct and complete details, and that the files that they are to provide are complete and also verified authentic. Failure to do any of these may result not only to unnecessary delays in the processing of their applications, but in many cases, can also lead to their outright rejection.

 

5 most recent personal loan reviews

Review of Colonial Second Charge Loans

I love CSC loans I have been with them nearly three years, need a top up as my son is getting married. They where brilliant as usual, no problems, done so quick - they were my life savers when needed most, thank you.

Review posted by Mary Hartnoll, Canterbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Together

As guarantor for my daughters, loan the service we got was quick and efficient, did checks, asked questions and all was sorted very quickly, would definitely recommend Together loans to all.

Review posted by Susan Mills, Darlington

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Shawbrook Bank

Brilliant service. The application process was a doddle, the Shawbrook representative who called me was polite, understanding and cheerful. The whole thing (from starting the application process to receiving the money) took around 3 or 4 hours. Very quick and efficient and no long or silly forms to fill out. Just what was necessary. Am very pleased I chose Shawbrook.

Review posted by John Marcus, Surrey

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews have been sourced from the UK Trust Pilot to certify authenticity.

Representative 277.5% APR

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances

Non-payment could have a negative impact on your credit rating and have increased charges and interest rates.