Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk

Which payday loan is best for
people with bad credit?

Which payday loan is best for people with bad credit?

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What is an Advance Payday Loans?

An advance loan, payday loan, short term loan, cash advance loan, payroll loan and a salary loan are all different words or descriptions for the same thing. They all refer to a small loan for a short period of time that has not been secured against anything.

Top 5 Useful Strategies for Payday Loan Repayment

Even though applying for a payday loan is an easy thing, managing repayment is another issue to deal with. Repayment is considered the end process of a payday loan cycle, and this is the hardest part. It’s not surprising that many borrowers fail to repay their advance payday loans and end up paying huge penalties instead. The problem is not just limited to lenders; sometimes, the borrower’s repayment tactics are ineffective – thus leading to bigger debts.

If you want to get out of your payday loan debt, you should apply these top five repayment strategies:

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Loan amount
£100 - £750
Loan term
1 - 35 Days
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Loan amount
£100 - £2,000
Loan term
3 Months Only
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Strategy 1: Assess Everything About Your Loan

If you’re serious about repaying your payday loan, you need a detailed initial assessment. From the loan principal down to the penalty and other fees, everything must be clear. Through your assessment, you’ll know how much your loan can set you back in just a few months. Proper loan assessment definitely leads to a greater chance of repaying the loan.

Strategy 2: Discuss Your Payday Loan Situation with Your Spouse

If you have a family, it’s important to discuss the current payday loan situation – especially to your spouse. Of course, you can choose to hide the fact that you have a new payable for few months, but this can be stressful. Your spouse may even harbor deep negative feelings if he or she’s not aware of the payday loan. By discussing the situation with your spouse, you can also have a different angle about the repayment. Think of it this way: a payday loan is a puzzle. The interest rate is a puzzle variable. The same goes for the repayment term or period. Once you and your spouse can solve this problem, life will be easier.

Strategy 3: Cut Corners

The most common strategic response whenever a borrower has a loan is to cut corners. Cutting corner basically means that you’re reducing expenses from your monthly budget. Usually, luxuries will be cut first, and then the necessities will be reduced. If you’re going to cut corners, you need to rethink properly. Are you lessening the priority for an unimportant resource? What are the adjustments needed to cope with this new financial change? How will your kids react regarding the situation? Take note of these basic questions because they’ll guide you accordingly. Don’t worry – once you’re out of the debt cycle, you’ll have the option to pursue your luxuries again.

Strategy 4: Triple Down on Earning Tactics

If cutting corners is the immediate response, doubling or tripling your income is a better move. However, this strategy requires careful planning and a stable foundation, to begin with. To triple down on your earning methods, do a simple personal assessment. What are your skills that people would be willing to pay for? Is there a specific niche demand for your skill or talent? How are you going to reach out to the platforms that are catering to your skill? Are you willing to sacrifice time and manpower to boost your skills? By answering these questions, you can triple your earning strategies within a lesser time. Hopefully, your tactics will earn enough to cover the full amount of your payday loan.

Strategy 5: Consider Advance Repayment if Possible

What if you just fully repay your loan ahead of time? This is actually a good strategy to avoid paying more interest per month. However, not all lenders are open for this tactic. If you pay in advance, the lenders won’t be able to gain more profits from your loan because the agreement is terminated. Many borrowers think that this is a greedy notion, but it’s just the natural flow of business. Payday lenders need to make money too. Otherwise, they won’t be able to issue out loans in the future. Before you apply for a chosen payday lender, ask if they’re open for advance repayment.

Quick Tip for Constant Payday Loan Borrowers

If you find yourself constantly borrowing payday loans, here’s a quick tip: manage your finances well. While payday loans are solutions, over-dependence can pose serious problems. The interest that you had to repay can go to useful baskets like investments or educational programs for your kids. Therefore, before borrowing, you need to think about the possible consequences.

Payday loans are very useful, but only if you can repay them without a fuss. Despite your preparations, there’s still a big possibility that you can miss out on a repayment. When this happens, brace yourself. Adjust your repayment plan so you can deal with the penalty fees right away. Don’t let your payday loan grow into your own personal financial bubble!

5 most recent personal loan reviews

Review of H&T Finance

So friendly and so easy to be accepted. I needed a loan to help out a family member and I've been able to do so, so quickly. Daniel at H&T was so polite and helped me understand everything thoroughly.

Review posted by Aimee Walls, Carlisle

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Review of Post Office Money

Post Office, thank you so much! I will definitely be recommending you for your helpful and professional support, from receiving my completed application you were very quick in processing my application. I applied in one day and by the second had my loan. You gave clarity when needed and made me feel that I was not just a number. Thanks again.

Review posted by Lisa Davies, Sunderland

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Review of Street UK

My experience with this great team has been superb, I've had five star quality service since day one and my application processed rapidly, there is no messing about and they provide real fast and strong customer service which I am happy about, I know where to come next time, thanks for all your help.

Review posted by Joe Irving, Leeds

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