How much amount you need?
£0
How long do you want to borrow?
0 Day(s)
Interest : £0
Repayment : £0
Representative APR Example
£250 borrowed for 30 days. Total amount payable by one repayment: £310.
Total interest payable by one repayment: £60. Representative APR 1223.6% (Variable)

The Loans Page

Make spotting the right loan deal easy with us at The Loans Page. We are merely an intermediary and offer loan comparison services. Regardless of the urgent expenditures you are trapped in, you can access our services to find the right loan deal by trustworthy lender.

Implications of Late/ Non-Payment
Ahead of applying for a loan it is important to first understand how the loan payment are applied and allocated. Late or non payment of loan can have a negative impact on your credit status. Therefore, you should contact the lender as soon as you realise you are short of funds to pay back the loan you owe. Depending on the lender you have chosen and where you reside you can opt for loan extensions and renewals. But you need to be aware as fee for such loan renewals and extensions could be significant.

Collection Practices
Short term loans are meant for small expenditures and offered for short tenure. Interest rates are usually high and therefore, repayment should be taken seriously. Applicant who fails to pay back on time usually ends with collection actions and lawsuits. So, to collect the debt various collection practices are performed by lenders through third party collection companies. These companies will make collection attempts on behalf of the individual lender. All these collection agencies are governed by the state laws.

The first step that customers should take is to verify the debt and contact the lending company within a month if ant dispute related to the debt is found. All necessary proof should be provided by the lending company ahead of attempting such collection practices. Customers should know that the collection company do not have the right to threaten or take any legal action. They also do not have the right to call you repeatedly or at odd hours or reveal any information without your permission. Contact a debt collection attorney and get legal help whenever you receive any fraud collection call or if you believe the lender is violating any law or artificially inflating the amount of money owed by you.

Non Payment Implications

Non payment implications can be dire. Failure to repay back a loan will not only add additional fees and interest to the actual loan amount but lender may also take legal action against you and start collection proceedings. All together, it will have negative impact on your credit status and make procuring a loan difficult for you later on.


Late Payment

By repaying late or making partial payment of the loan you owe, you will incur additional finance charges and penalties. Lenders will add extra fees to the unpaid loan amount and it can become difficult for you to pay off the loan. Before getting into a loan agreement do review the late payment policy mentioned in the documents. If you completely fail to pay back lender may sell the debt to a collection agency and report to the credit bureaus. The debt collection agency will then utilise other aggressive methods to get back the loan amount. Eventually, it will damage your credit rating. Unfavourable remarks made on credit report card usually stay for several years. Therefore, repayment should be taken seriously.

Fees and Interest

Complete information about loan repayment schedule, fee and Annual Percentage Rates is mentioned in the loan agreement. Depending on the lender such fee and charges will vary. So, ahead of signing, read and understand the loan terms completely. In this website our only goal is to provide you hassle free comparison services and get you matched with a lender who can help you with your cash needs. Find complete and transparent information with us. Short term monetary solutions are offered for short term and should be repaid within 15 to 30 days along with the interest charged by the lender. The APR charges can range anywhere from 260.71% to 1825%.

Credit Score Impact

Credit report enquiries affects credit score and are based on credit histories. Such inquiries can have greater impact if you have short credit history and have few accounts. Usually, people with six or more inquiries are likely to be declared bankrupt. Some of the important factors that decide your credit scores are how timely you pay off your loans and the current debt burden indicated on your credit report.

The operator of this website is not a lender and does not make credit decisions. The information you provide will be used in securing you a payday loan with one of our carefully selected panel of leading Payday Loan Lenders in UK. The personal, financial and employment information that we collect is stored electronically during the duration of the application and is removed from our system upon acceptance from the lender.

Please note that payday loans are meant to be used for short term financial emergencies and are not designed to provide long term solutions

We expect you to repay your loan on the date agreed, so if you do not think you are in a position to make your repayment, please do not apply with us in the first place. It is not worth risking your credit rating for such a small amount.

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Warning: Failure to meet your repayments can have serious financial consequences. For help, go to moneyadviceservice.org.uk