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Representative example: $500 borrowed for 5 months. Total amount repayable is $999.85 in 5 monthly instalments of $198.37. interest charged is $491.85, Interest rate 236.1% pa (variable). Representative 481.6% APR.

Do you want to get a payday loan online?  Are you clueless about how payday loans work? Here’s a primer on how you can efficiently get a payday loan online.

How to Get a Payday Loan Online

One common misconception is that payday loans online are hard to obtain. This could not be farther from the truth. Unlike traditional loans where you have to physically visit a bank or lender to submit and process your application, payday loans online are done over the Internet which means it is less time-consuming and more convenient. Here are some tips on how to successfully get an online payday loan:

Look for lender matching online: It can easy to be confused since there are plenty of lenders websites online. If you don’t want to go through each lender website, you can go to a lender matching website. All you need to do is fill up a form so that you can be matched with the lender most suitable for your needs and situation.

Look for a reputable online lender: If you have time to spare, you can browse through the websites of various lenders. Use the online calculator, if available, so that you can have an idea how much the loan will cost you. Seek the help of relatives and trusted friends for recommendations on direct lenders, especially those that they worked with before.

Whether you choose to go to a direct lender or seek the services of a loan broker, remember to be truthful in the information you furnish. Supplying false information can jeopardize your chances of getting a payday loan.

Part of keeping your property up to date is home improvements. It could be a lounge extension, an attic conversion, a simple redecoration, or a kitchen renovation- anything that will increase the value of your property. Unfortunately, renovations can be costly and most of the time, saving up the funds that you need is not always enough. Taking out a home improvement loan may be a good option to look into.

Home improvement loans

If you need to secure funds for your home improvement project through a loan, there are different types that you can choose from and this includes guarantor, secured, and personal loans. Understanding the pros and cons of each of these loan choices will help you decide which one to take out.

Personal loans

It is possible to use a personal loan and borrow funds as low as £1,000. A loan of this type can be ideal if you only intend to make minor improvements. Instead of having to get the repayments done immediately, you may be given a grace period of a few months. This should allow you the opportunity to spread your payments so they'll be manageable. For a loan of this time, there is no need for you to offer your home as security.

 However, your borrowing power may be considerably limited and borrowing large amounts might not be possible. Not only do these loans charge really high interest on smaller loaned amount, you will also need to have a high credit score if you are to get a good deal.

Guarantor loans

If your credit is bad, you can go for a guarantor loan in order to get funds for your home improvement project. All you need to do is find a person who is willing to pay off the loan in the event that you will default to get approved.

The amount that you can borrow through this type of credit would depend on the credit score o the guarantor so, it may not be possible to take out a really large amount. If you do default on the repayments, it can make your relationship with your guarantor awkward since he will have to take on the debt himself.

Secured loans

It is possible to borrow a large sum, even as much as £100,000 if you will use a security to guarantee a loan, if major renovations are what you are aiming for, this could be ideal. If your credit score is low, you can still get approved since you have a security to offer. Loan tenures can be longer too which means you’ll have a more comfortable time paying it off.

Since the loan is secured against an asset which usually is your home, you run the risk of losing it if you cannot keep up with the payments. Also, what you’ll be allowed to borrow will depend on your asset’s value.

What Product Can

You Help Me With?

Whether you're looking to buy a car or you just need a small cash assistance fund to get on your day, we have everything in store for you. Reach out to us to know more about your options.

What Happens If

I Miss Payments?

Missing a payment may happen sometimes. We understand. Lenders can be lenient for one or two months. However, it is not recommended that you delay your payments. It can severely affect your credit and prevent better credit opportunities in the future.

Payment Method?

The payment is sent immediately to your checking account upon approval. So there’s no need for you to visit banks to get the money that you have requested. It will be deposited to your account within minutes after being approved.