A payday loan, also referred to as a cash advance, is a fast way of getting your hands on that extra bit of cash you might need when payday is too far away. If you’re in need of some month end money because the remainder of your last salary payment can’t cover expenses that have come in unexpectedly, then a payday advance can enable this by giving you the opportunity to bring payday forward. Getting a cash advance loan has never been easier with our online application and instant approval decisions! You can apply for a payday loan in a few minutes and get the cash in your bank today, which is ideal when you have emergency expenses to cover.

Cash Advance Loan Criteria

The most important criterion for a cash advance loan is affordability. You need to be sure you will be able to repay the loan on your payday. If you are confident that you will be able to repay the loan, then you will need to assess the remaining eligibility criteria, namely that you are aged 18 or more, employed full time and earning at least £750 a month after tax, and that your wages are paid directly into a bank account that has a debit card. If you meet all these criteria then you can simply start filling in the online application form alongside and continue through the electronic process.

Online Application Process

While in the past customers were required to fax or post documents to the lender in order to apply for a payday loan, you can now get payday loans with no faxing. In order to be able to approve your online cash advance loan as quickly as possible, so that you can get super quick cash loans, we will carry out a credit check during the application. This enables us to approve your application instantly, rather than you having to wait hours or even days for an approval decision.

You don’t have to have a perfect credit history to be approved for a payday advance and payday advances could even help you to rebuild your credit rating since we report all repayments to the Credit Reference Agency we use, which can have a positive impact on your credit rating. Note, however, that if we don’t hear from customers before their payday and their repayment is missed, we will also report this to the Credit Reference Agency, so make sure you only apply for a cash advance if you know you’ll be able to repay it on payday.

After you have been approved for a payday advance you will need to sign a Credit Agreement online by simply filling in your name and the current date and then clicking the submit button.

We transfer funds every 45 minutes 7 days a week, and the majority of our customers will have their funds transferred within 45 minutes of their application. However, subject to status, we may need to verify certain details, which we would do during our working hours between 08:00 and 19:00 Monday to Friday or 09:00 to 13:00 on Saturdays. In these cases, providing you apply before 17:00 on a working day you should still get your money the same day, and if you apply after this you will get it by the next working morning. The time the money clears in your account depends on your bank, and could take up to 3 days, but in most cases it will clear the same day it is transferred and, if your bank operates faster payments, you will be able to access it right after it’s been transferred.

So if you need some extra money to help cover unexpected expenses spend a few minutes to make today your payday!