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Payday Lenders UK: What are they, and what to look for?

This article explains what payday lenders are in the UK, and reveals an important check you should make when deciding to take out a loan from a payday lender in the UK. We will also discuss the role of third-party brokers in finding the best payday lender for you.

UK payday lenders specialise in making Payday loans and short-term loans to people who have found themselves short of cash between one payday and the next and need to cover an urgent expense.

The term or period in which such loans must be repaid is usually no more than thirty days. The purpose of these loans is to tide you over a short-term cash crisis until your next payday. Used properly, they do what it says on the side of the tin.

UK payday lenders usually do not offer longer-term loans. They are, however, more willing to give loans to applicants with a poor credit history, and this sets UK payday lenders apart from other lenders.

 

Should you use a broker?

If you are considering a payday loan, you can easily become confused by the bewildering array of loans on offer from different lenders. Very often, you are not comparing like with like when it comes to the terms of the loan and, given the nature of why people usually have these loans, you don’t have the luxury of time to do detailed research.

That is when using the CashPanda Loans  services will be useful, saving you time, protecting you from scams, and putting all the reputable FCA approved lenders in one place.

So, what can you expect from a broker? A payday loan broker will already have compared the short-term loan market and will be able to guide you away from unsuitable loan terms and towards a product that better suits your needs and for which you are more likely to be accepted.

A broker will already have established contacts with many payday lenders including those who are exclusively online.

As the broker does the legwork for you, you are saved the time and inconvenience of having to visit several lenders in person only to find that none are suitable or that you do not fit their lending criteria. Using a broker can be especially convenient at a time when you may need to act quickly.

 

What to look for in a payday lender

Whether you decide to use a direct lender or use the services of a broker, there is an important check you must make against any prospective lender before signing any paperwork.

It is very important that you only do business with a payday lender or broker that is regulated by the Financial Conduct Authority (FCA). If you a considering using an online payday lender, the company’s website should tell you if they are registered with the FCA. It must also be made clear in their store, if they have one, and also on their documentation.

If in any doubt, or if you just want to double-check, you can make a search of the Financial Services Registry online. If the lender you are thinking of dealing with is not registered, it is probably not a legitimate payday lender or a broker and should be avoided.

 

Using a UK payday lender that does not make a credit check

All FCA regulated payday lenders must run a credit check on every prospective borrower before offering them a loan. That is a legal requirement. Any lender that claims that they do not need to perform such checks is either misleading or operating irresponsibly, or both!.

Credit checks are a necessary part of responsible lending and help a lender to decide if a prospective borrower can afford to repay their loan and interest. It is in the payday lender’s interests as well as yours that you are able to repay the loan.

Having a poor credit rating or not having a credit history does not automatically prevent you from getting a payday loan. Most lenders take your present financial status into account. Pounds4U is an experienced loan broker with established relationships with many of the leading UK payday lenders.

We have extensive knowledge of the lending market and can help you find the most suitable UK payday lender for you, even if you have a poor credit rating or no credit history.

Furthermore, Pounds4U only works with UK payday lenders that are regulated by the Financial Conduct Authority (FCA). 

To find out if you qualify for a payday loan, simply fill out our quick and easy online application form and leave the rest up to us.

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How Cash Loans Online Work?

Request Online

Simply complete our quick, secured and user friendly online form

Finding your Loan

Our nest-gen technology will process your loan request by searching and locating the right loan for you.

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Once you are approved, you will be directed to your approved lender to finish the loan process.

Why Cash Panda Loans ?​

At CashPandaLoans we understand life has its ups and downs. Sometimes when you are short of cash emergencies can occur, a broken fridge, expensive hospital bill, broken down car, or anything else. 

Don’t worry CashPandaLoans is here to help !  We are here 24/7 to help you with the quick loan you need.  

With our large panel of lenders covering almost all 50 states, your quick cash solution is just a few steps away 

Our mission

We aim help and protect all consumers when in need of Personal Loans or Short Term Loans online in the U.S.
We developed a solution to help you get a quick loan online, easily, securely, and 100% Free with no obligation and no commission.

Innovation

Our advanced algorithm transmits your loan request to a wide range of the top U.S. lenders* in our platform smartly. Putting you the customer at the front, to make the top lenders compete to lend you the money you need.

Transparent service

Cash Panda Loans is a full transparent service to help ordinary Americans just like you to find the best** responsible and trusted lender with the best terms according to your circumstances.

Availability

It doesn’t matter if you have poor credit or bad credit, at Cash Panda Loans all credit scores are considered on an individual basis. Our Next-gen Technology will help you find quickly the right solution with our 2min simple and user friendly loan request form.

Cash Panda Loans is committed to ensure Americans just like you can get access to the funding they need.

* Carefully Selected and Approved network of lenders.
**According to the amount you want to borrow, and your ability to repay the loan among other factors. 

Who can request?

The basic requirements to get a loan, you need to:

Apply for Payday Cash advance

Be a Legal UK resident 

 

Have a regular source of income (min $1,000 per month)

 

Be a Legal U.S. Citizen or Permanent Resident 

I

Have a valid Bank Checking Account, with direct deposit.