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Representative Example: £400 loan repayable over 39 weeks at £18.96 per week, Rate of interest 113.46% p.a fixed; Representative 498.78% APR, Total amount payable is £739.44.
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Just how fast is a fast loan, anyway? That's what we are going to find out here. We get plenty of queries about fast cash loan possibilities, and we know that people are in a hurry to get some answers. We understand that, so we're going to try and help you with some loan details here.
But were afraid to ask? That's the line, of course, but we're serious about helping you understand more about these loans. It is in your best interest to know as much as possible before you continue.
Fast cash - just two simple words. Yet there is much to understand behind those words. Let's see where to begin if you're searching for information about this type of loan.
Many elements are identical. You need to make a loan application for each. You'll also have your credit score checked by all lenders, as this is a crucial part of the process. We'll cover credit score info in more depth in a bit, so stick with us to read more on that loan topic online as well.
The size of the loan varies in all cases. A loan could be anything from £100 to many thousands of pounds. You're also likely to pay it back over different timescales, from the short term to a far longer time. A good rule of thumb to remember is that a small loan could be repaid much faster than a bigger loan.
For example, let's say you're looking online for a loan amount of around £100 to £200. You won't need to repay this money over several years. In some instances, people repay this type of money in just one month - payday style, you might say.
If you look at a loan amount that goes into four figures, you'll need to borrow money over several months, 3 months at least. The more money you wish to borrow, the longer you're going to need to pay back the amount.
It does - of course, it certainly does. People looking online for fast cash loans usually want them quickly.
Think about having plenty of cash in your personal bank account, for instance, ready for whenever you need some money. If your income fell a little short one month, or your outgoings were unexpectedly higher when faced with an emergency, you could get some cash from your personal bank account to solve the issue.
But if you don't have that cash available in an emergency, you might look for a quick loan instead. In this instance, you would want a speedy online application with a lender who considers requests for a loan from people like you.
They could quickly check your credit score, assess you for suitability, and give a yes or no response to your application. If you're approved online for a fast cash loan, they'll make sure you get the money as quickly as possible. Some lenders focus on providing faster payments to the person borrowing the money.
Keeping all these elements in mind when you're hunting around for some fast cash loans could help you sort out your application for an appropriate fast cash loan.
If you were to compare a fast cash loan application to, say, a mortgage application, then yes, you could find the cash loan faster to complete. These loans tend to be for much smaller amounts for starters. If you went to a lender or broker to borrow enough money to buy a house, they're going to have many more questions than if you just want to borrow some money until payday. The risk to them is far greater if you default.
However, you still need to complete an application, no matter what kind of loan you want to apply for or which of the many loan amounts you're looking at.
Considering an individual for a personal fast cash loan lasting for several months (or even just one month if it is a payday loan) is more straightforward than considering someone for a mortgage repaid over many years.
Loanza could connect you to a lender today who could fund your cash loan request!
Your credit history always matters, but you may have options available to you regardless of whether you seek out a fast cash loan from a direct lender, broker, or payday lender.
We can break down credit ratings into three broad categories - good, average, and bad (or poor). Those in the good category could get access to the most competitive fast cash loans around.
Now, we can guess what you're wondering at this stage. Are you thinking about whether you've got information on your credit file that could knock your score down in the eyes of lenders?
Are you wondering whether you won't be considered for a loan, even in an emergency? Even if you know you can now manage the monthly payments?
Here's the deal. It's impossible for us to say that everyone who applies for fast cash loans will be accepted for a quick loan. Some people may be rejected for various reasons, and a low credit score could be one of them.
However, there are many lenders out there today. Some may offer short term loans to people with bad credit, so if you have bad credit, you might stand a better chance of getting a personal loan offer if you find one of those lenders. Lucky for you, we work with many lenders who specialise in bad credit loans, so an application with us would be a fast and safe way to get connected to a suitable lender.
Some people may think of a credit card as a better and more flexible solution. However, interest could be high and it's tempting to just pay the minimum monthly repayments. This means the debt builds over the long term, so you end up making repayments for far longer than you would on a regular loan.
You're also usually charged for withdrawing cash on a credit card. If you get a loan, you usually receive the money within minutes into your account. It may not be instant, but it's as near as you'll get.
You've then got regular repayments to pay each month, including interest, so you know where you are. You also know those payments will end according to the terms of the loan. You won't be left with the temptation of minimum payments to pay on a card each month. And as you know, those could stretch way into the future and end up costing you a lot more.
This is the next natural question to ask, of course. You don't want to make multiple loan applications, and we'll go into the reason why in a bit. we understand you also want to make this quick if you can.
But you also need to be sure when looking for fast cash loans online that you apply to only the most relevant lender.
This is where Loanza could help.
We've built a network of over 50 direct lenders, so when you come to us, you're getting the benefit of our connections. We act as a broker for these lenders, so we're in a great place to see if we could help you find the instant loan you're searching for.
You simply need to let us have a few details - we've created our form to make this step quicker than most - and we could match you with a competitive fast cash loan from a lender in our network. You could save time compared with going it alone to find cash loans. When you want to borrow money with the minimum of hassle and delays, Loanza could help match you with a loan offer.
Loanza could connect you to a lender today who could fund your cash loan request!
If you're faced with an emergency, you may know the exact sum of money you need already. Alternatively, maybe you need to sort out a replacement kitchen appliance - an oven or a fridge freezer, for example.
The first step to take is to work out how much cash you need. Are you looking at £100 or so, or perhaps several thousand pounds. You may already know, but if not, work it out and go with that figure.
Next, work out how long you'd need to pay it back. You'll need to make the repayments from the cash you have left each month after paying all your bills. Don't go to the maximum you can afford either - you should always have some money left per month in your bank account.
Of course, there's interest to consider too - not just the fast cash loan you're looking for. Cash loans always incur interest, and this could be at varying rates. Borrowing for longer could mean you get a lower interest rate, but it could also depend on your credit history.
The best rates are typically kept for those who have proven their responsibility in being able to pay back money on time every time in the past. Those with problems in their credit history might end up seeing a higher interest % compared to someone with an outstanding record.
Loanza acts as a broker, so we're able to see if we could find you a quick fast cash loan online by checking with our vast network of lenders online.
If you're faced with an emergency, you may know the exact sum of money you need already. Alternatively, maybe you need to sort out a replacement kitchen appliance - an oven or a fridge freezer, for example.
The first step to take is to work out how much cash you need. Are you looking at £100 or so, or perhaps several thousand pounds. You may already know, but if not, work it out and go with that figure.
Next, work out how long you'd need to pay it back. You'll need to make the repayments from the cash you have left each month after paying all your bills. Don't go to the maximum you can afford either - you should always have some money left per month in your bank account.
Of course, there's interest to consider too - not just the fast cash loan you're looking for. Cash loans always incur interest, and this could be at varying rates. Borrowing for longer could mean you get a lower interest rate, but it could also depend on your credit history.
The best rates are typically kept for those who have proven their responsibility in being able to pay back money on time every time in the past. Those with problems in their credit history might end up seeing a higher interest % compared to someone with an outstanding record.
Loanza acts as a broker, so we're able to see if we could find you a quick fast cash loan online by checking with our vast network of lenders online.
It shouldn't take long, not more than a few minutes. Don't rush through it though - it's tempting when you're in a hurry and have reason to be quick, but take your time and double-check the application before you formally send it.
Since much of the process now occurs over the internet, many lenders have automated parts of the process. So, it does make life faster, as you won't have a human checking your application and looking over various parts of it.
It also means there won't be any human errors when considering the request. All of which means you could get a quicker answer.
Loanza could connect you to a lender today who could fund your cash loan request!
Be careful here. Making multiple loan applications one after the other never looks good. It looks like you're desperate, so even if your credit record is reasonable, a lender might reject you for a cash loan if they see this recent pattern of applications.
However, with the info you now have, and our assistance, you could aim to make only one application with the lender we connect you to. After completing our form, within minutes you'll know whether you could borrow a short term cash loan and have it paid directly into your account from a lender.
It could vary according to which lender you apply to. However, many lenders do all they can to make their loan process as simple as possible, from application to giving you the loan. They should transfer your fast cash loan over to your bank account, so you've got the money there and ready to use as you wish. Most often it's the same day, could be even within 15 minutes if you're lucky.
If you are in any doubt over how any part of the online application process works, you can read about it before filling in your loan application. This way, you're certain of how that lender works, when you may receive a loan offer, and how you'll receive the money (and when) if you accept it.
Sure, that's what we do best. There's a lot to consider before you dive into the world of quick cash loans, isn't there? We know that it might feel like you're in a maze when you're after a cash loan. But we've saved you time by going through all the vital factors you need to know before getting onto the application stage.
We're here - you've already done the hard part by finding our website. And we hope the information we've presented you with here has helped you feel more knowledgeable about a quick loan.
Our form is all that stands between you and finding out which lender might be best placed to offer you a competitive and quick loan today. Find out for sure by filling in our form and letting our site do the hard work. There is no obligation, so you can find out more without any risk or commitment on your part.
Loanza could connect you to a lender today who could fund your cash loan request!