Have you ever felt cash-strapped? Or as if you’d never be able to make that credit card or energy bill payment? Well, help is at hand for those feeling unfortunate. We’ve compiled a list of the payday loans we feel will give you the best value. Before thinking about even getting a payday loan, always read the small print, understand what your interest rate will be on top of paying the money back, and work out how you will be able to repay the money back, and pay on time.
Here are our top ten recommended Payday loans and short-term loans to choose from:
THL Direct offers quick, short-term loans from £125 to £500 with 0.8% daily interest on the amount you borrow. No upfront fees, late fees, late Interest, or default fees. Although first time borrowers can only get £125. Funds are paid directly from THL Direct into your bank account. They also offer the choice of repaying your loan weekly or monthly.
Peachy is a direct lender who offers short-term loans from £100- £1000 to cover emergency cash flow for their customers. You can apply online on your phone, tablet, PC and in many cases it will deposit the cash to the person in an hour. Peachy short term loans can be paid from 1 to 12 months.
Creditstar is a payday loans company who claims applications take no more than 10 minutes and approval in less than an hour. First time users can borrow up to £300 and returning borrowers can borrow up to £700, repaying back over a period of up to 6 months.
Quickquid is a partner loans company to Pounds to Pocket and specialise in shorter term loans. They allow customers to get a preapproved loan in minutes. A useful feature not previously seen on other loans website is their live webchat, if a customer needs help or support. This is available during office hours, Monday to Sunday. Quick Quid encrypts your sensitive data via Secure Socket Layer (SSL) so none of your confidential data is sent to third parties.
Mr Lender is a competing short-term loans company with a 9.6 rating on Trustpilot. They also won ‘Customer Service Champion’ in the 2018 Consumer Credit Awards, demonstrating how good they are. With Mr Lender there are no upfront fees for taking out a loan, and there are no late fees for missing payments. They also have a blog which has frequent articles about saving money, responsible lending and other financial posts of interest. Sounds almost too good to be true!
Cashfloat are a responsible direct lender of payday loans who have helped over 40,000 happy customers. They focus on customers with a previous bad credit score looking to improve, and making sure it’s affordable for the customer. They also have a state-of-the-art ‘Money on Demand’ app so customers can manage their money and repayments on the go.
Lending Stream started out in 2008, providing short-term loans for a 6 month repayment period. Their customers are from all around the UK and the average age is 32. However, they don’t provide payday loans as they feel if the loan can’t be paid back on payday, then the customer could be in worse debt. They use a mix of reviewing individual cases, powerful data analytics and precious credit scores to approve loan applications.
Sunny provides fast and flexible loans from £100- £2500, rated excellent 9.1 Trustpilot. You save interest if you repay early, and have 5 days to change your mind when you receive money. They have a UK based, customer support open Monday to Sunday office hours.
Piggy Bank is a short-term loans provider. They have a useful FAQ on its homepage to answer all common questions and queries. You can repay early to save on interest, or if you forget, they have a handy payment reminder service. Their customer support is open Mon-Sat office hours.
Myjar is a short-term loan provider with an eye-appealing website to suit. They started in 2008, have approved of over 2 million loans and lent over £500 million to happy customers. It allows people to borrow money according to what sort of repayment plan they have. The loans can range from £900 over a period of 3 months to up to £7200 over 2 years. They have a 9.1 out of 10 rating according to Trustpilot.
There are a variety of payday loans and short-term loans companies, such as no upfront fees with Mr Lender and saving on interest when repaying the loan early with Piggy Bank. From offering 7-day customer support and manageable repayment time frames, you can see why they are very popular ways for emergency cash when the going gets tough.
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