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1. Find the best payday loan for you & apply
online for a quick decision
payday loans

2. Link Type Link Id Category ADV_CID
Vertical banner 11373123 Personal Loans 4019761
Representative Example: Borrow £500 and pay £79.09 per month
for 12 months at a fixed interest rate of 140% per year.1 The total
charge for credit is £449.01 (all interest). The Total Repayable is
£949.01. 278% APR Representative.

3.  Here is some important information about the practices
used by many of the payday lenders we list on money.co.uk.
 To find out about the specific practices and charges
applied by your chosen payday loan lender you will need to
check their website and read their terms and conditions
carefully before you apply.

4.  A payday loan is a one-off, short term loan designed to
keep your finances afloat until you receive your monthly
wages. You generally have the option borrow between £80
and £1,000 and the idea is that you pay off the loan in full
as soon as your monthly wages arrive in your bank.
However this instant-access borrowing doesn’t come cheap,
and most payday loans UK companies charge rates of
interest into the thousands.

5.  Payday loans shouldn't ever be your first option. However,
despite the fact that the ‘Credit Crunch’ may now be
officially over, it has left many people still desperate for
cash.
If you have exhausted every other possible avenue of raising
finance, have a few too many black marks on your credit
history and have a genuine unavoidable reason for needing
the money, then – and only then – should you consider the
possibility of taking out a payday loan.

6.  If you are willing to take out a payday loan despite the
astronomical interest rates, then the only way you can
extricate yourself from an extremely perilous financial
situation is to ensure that you pay back the entire amount
that you borrowed as soon as you are paid your wages.
It is vital that you only ever borrow what you can actually
repay from your next pay packet and clear the debt as soon
as possible. To do this, only ever borrow the absolute
minimum amount you need. If you need to borrow £200,
then think very hard about whether you can manage with
£100.

7.  If you are even considering pay day loans then it is
probably a good indicator that you are already living
beyond your means.
If that is the case, you should think about contacting your
nearest Citizens Advice Bureau or a debt charity like Step
Change, not brokers or payday loan lenders, to discuss how
you can go about reducing your debts.
There are also a number of debt repayment charities
throughout the country that were set up to provide support
and help to people in these exact circumstances.

8. It is not advisable to renew or extend a payday loan. However, if you do
need to you should contact your lender to arrange an extension before they
try to take payment. Most payday loan lenders will charge you an extension
fee and additional interest on your total outstanding balance. Some lenders
will automatically renew or extend your payday loan if you do not make an
agreed repayment. This is likely to cost you extra in additional fees, interest
and charges. You should check your chosen lender’s approach to payday
loan extensions before you apply.

9. For more information about Pay Day Loan visit at
EZYcash

10. For more information about Pay Day Loan visit at
EZYcash