Frequently Asked Questions

1. Can I apply online?
2. What identification do I need?
3. Can I still receive a loan until pay day if I don't have a cheque guarantee card?
4. What can a Payday Advance be used for?
5. How much can I borrow?
6. How much does it cost?
7. Can my loan until payday be rolled over/extended?
8. How long does it take to get approved for a loan?
9. Do you run credit checks prior to approving the loan?
10. I have a very poor credit history (CCJ's etc), can I still get a payday advance?
11. What if I get paid weekly?
12. I am self-employed, can I still receive a Loan Until Pay Day?
13. I am a tenant, does this matter?
14. Do you contact current or former employers?
15. What is a roll-over?
16. What if I have insufficient funds in my bank account to repay the loan?
17. Can I have two loans in the same month?

1. Can I apply online?
Yes. Apply now

2. What identification do I need?

• Your most recent bank statement showing your salary being received on your last pay slip and a utility bill dated within the last 2 months.

• Cheque book and cheque guarantee card.

• One other form of identification with your nam

Other forms of identification are acceptable. Please contact your local branch for further information.

3. Can I still receive a loan until pay day if I don't have a cheque guarantee card?
No.

4. What can a Payday Advance be used for?
A payday advance loan can be used for WHATEVER YOU WANT, clothes, CD's, nights out, holiday money, bills, anything at all it is entirely up to you.

5. How much can I borrow?
You can borrow up to £600 less an interest charge.

6. How much does it cost?

The interest charged is 12% of the face value of the cheque or 13.6% of the amount of credit.

For a loan over a typical period of 30 days the typical APR is 373.65.

7. Can my loan until payday be rolled over/extended
Yes, your loan can be extended until your next pay day.

8. How long does it take to get approved for a loan?
Our friendly staff will give you an immediate decision and you will receive your cash instantly.

9. Do you run credit checks prior to approving the loan?
No, we base our decision on the information that you provide us with.

10. I have a very poor credit history (CCJ's etc), can I still get a payday advance?
Yes, we base our decision on the information that you provide us with.

11. What if I get paid weekly?
No problem, the advance will be repayable on the fourth payday after the advance. The maximum loan however will be £200.

12. I am self-employed, can I still receive a Loan Until Pay Day?
No

13. I am a tenant, does this matter?
Not at all, it doesn't matter what your residential status is, as long as your salary goes into your bank account.

14. Do you contact current or former employers?
We do not contact your employer to approve your loan, we base our decision on the information that you provide us with.

15. What is a roll-over?
A roll-over is an extension of your loan to a later pay date. You simply pay the interest only, and the loan is then repayable on your next salary date. You can roll over your loan as many times as you wish.

16. What if I have insufficient funds in my bank account to repay the loan?
You can roll over or extend your loan by paying the interest only.

17. Can I have two loans in the same month?
Yes, providing you do not exceed the maximum loan or your approved limit.