How long does the application take?

It only takes five minutes from start to finish – this includes signing for your loan and receiving your funds straight into your account!

How much can I borrow?

Payday loans are offered from £80 up to £750 depending on your personal circumstances. The money will be transfered into your account on the same working day as your loan is completed. You must however be aware that some banks can take up to 3 working days to clear the funds, and make them available to you.

I don't understand your APR?

APRs are a useful way of comparing products that are alike but are not nearly so effective when comparing products that are not. The following table illustrates this:

As you can see the APR for the two installment loans is the same, however the total interest repaid as percentage of the loan is vastly different – and much lower with payday loans even though the APR is much higher.

Do I qualify for a payday loan?

If you are aged 18 or more, earning £750 a month or more, and in full time employment, it is likely you will qualify (even with a bad credit history). All you then need is a bank account for the loan to be transferred into, that has a debit card so you can repay the loan with no fuss!

What information is needed?

Our easy online form only requires the following information:

• Your name and address
• Your date of birth
• Your contact telephone numbers and email
• Your work and pay details
• Your bank account and debit card details

Why do you need this information?

We only deal with responsible loan providers who need to verify:

• That it is you taking out the loan
• That you are in full time employment and able to repay the loan
• That we put the money in your account and no-one else’s account
• That you can repay the loan in a simple and hassle-free manner

Do you credit search my application?

No, we don't credit search your application, however as a condition of extending credit, one of the lenders you may be matched with may run a credit check with a major credit reporting bureau.

What if I have a bad credit history - will this affect my chances?

Not necessarily. Each application is based on your current employment and income.

I don't have a debit card - can I still apply?

Most lenders will require you to have a debit card in order to take payment, however we do have access to lenders that will offer a loan without one.

How do I apply ?

Simply complete our payday loans application form online, our intelligent system will then underwrite your application and send your application to the best lender for you. If you are approved, you will be asked to complete your bank and debit card details and then digitaly sign your loan agreement. We will do the rest! If you would prefer you can call on 0871 271 6333.

When will I receive the funds?

The funds will be transferred to your account on the same working day as your loan is completed (same day you apply). Yopu should however be aware that some banks can take up to 3 working days to clear the funds.

How will I receive the funds?

The funds are paid directly into your bank account so you can access them direct from your account.

Can I run two payday loans at the same time?

No all prior payday loans have to be repaid before another can be offered. This is because we are a responsible loan provider and want to ensure you can easily pay what you borrow.

How do I pay back my loan?

Easy – we take the agreed repayment amount from your debit card on your next payday – there’s nothing else for you to do.

Can I defer payment?

Yes - although after doing twice the lender will ask you to start reducing the balance. Deferral will incur new charges for every month the loan is deferred – at the standard fixed rate – there are no additional charges.

My payday or debit cards have changed

If your payday has changed, or you have a new debit card, you should contact the lender as soon as possible and they will make the necessary changes!

What if I have problems paying?

Our lenders understand that people’s circumstances sometimes change. If this is the case, you must let the lender know as soon as possible and they will usually do their best to help you.

The most important things to note are:

• Don’t borrow money you don’t think you can pay back
• Talk to the lender who will help as much as possible

What times are you open?

Our websites are up 24 hours a day, 365 days a year!

The lenders offer varying times but are usually from 09:00 to 20:30 Monday to Friday and from 10:00 to 16:00 on Saturday.

How can I contact you?

You can contact our customer service team in the following ways:

• Telephone: 01481 701 350
• Email: enquiries@AllAboutPaydayLoans.co.uk
• Post:
  All About Payday Loans
  Dixcart House
  Sir William Place
  St Peter Port
  Guernsey
  GY1 1GX
  

I am very happy with your service - what can I do?

Please do let us know! We do our utmost to keep our customers happy and it is nice to hear when we have acheived this.

I am not happy with your service - what can I do?

At AllAboutPaydayLoans, we do everything in our power to ensure our customers get the best possible service and treatment. However, we don't allways get things right first time.

If you're not totally happy with our service, we allways want to hear about it - that way, we can do make sure we improve next time.