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Which payday loan is best for
people with bad credit?

Which payday loan is best for people with bad credit?

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How Can Payday Loan Consolidation Firms Solve Your Financial Dilemmas?

A payday loan can bring many advantages for the average borrower. Aside from top-notch processing speed, you can always apply for flexible amounts. There’s also no strict credit checking involved. Despite these positive things, payday loans can pose big problems if you missed out on payments. Many borrowers ended up sinking in payday loan debts and they’re trapped in a cycle. Fortunately, there’s a way to get out of such predicament. You can avail the services of a payday loan consolidation firm.

Read on for some top tips on how to get the most out of your borrowing.

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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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How can a consolidation firm help you? Listed below are the popular strategies applied by consolidation agencies

Payday Loan Situation Assessment

Payday loan consolidation firms act as intermediary agents that can oversee your financial situation and the current standing of the loan. Typically, consolidation agents also communicate with your creditor, hoping to reach many goals that can possibly bring back the advantage to you. In the usual assessment process, the representative will ask various things about your financial decisions and the possible reasons why you applied for the loan. While consolidation agents don’t guarantee that they can totally ‘remove’ the loan, they can ease the pressure and give you a larger breathing room.

Possible Improvement of Credit Rating

If your credit rating is low, a consolidation firm can help you. The firm can raise your credit rating through a complicated setup of talks, assessment practices, open deals, and careful planning. Many borrowers who relied on consolidation agents had their credit rating bumped, allowing them to borrow high-amount loans.

Negotiation with Your Payday Lenders

Perhaps the most important service that consolidation agents can offer is direct negotiation with your payday lender. Whenever things are not okay between you and the lender, the consolidator will mediate and offer ‘win-win’ terms. It could be a lower interest rate but an extension of the repayment period. It could also be a cut in repayment period but a slight increase in other loan fees. There’s no limit with the consolidation functions of an agent. Of course, not all negotiations can be successful. In this case, the consolidator will move to the next phase of solutions.

Monthly Repayment Plan Assistance

If direct negotiations fail, the consolidation firm will resort to ‘housekeeping’ procedures. One common procedure is to help you with your monthly repayment plan. The agent will review all possible angles and suggest different options boost your monthly budget and get out of the troublesome loan in a short time. The repayment plan won’t guarantee a total release from the loan. Rather, it will improve your odds of avoiding default and penalties. You still call the shots in your repayment plan.

Better Payday Loan Recommendations

If ever you’re going to need the services of payday lenders someday, the consolidator can point you to the right direction. With a record of many reputable payday lenders, your next loan journey can be hassle-free. It’s still your decision if you want to follow the recommendations of the consolidator, but it’s always nice to know that you’re somehow being guided.

Mitigates the Pressure of Debt Collection

Payday loan consolidators have numerous cards to play. A powerful one is the capability of reducing the pressure of debt collection. If a lender is pressuring you too much, the consolidator will seek out all possible laws that can shield you from harassment. This capability is not absolute; it will just buy you enough time to come up of ways to fully repay your loan. The consolidator may even suggest that you seek the professional services of a financial lawyer to keep your position stronger.

How to Measure Consolidator’s Reliability?

While there’s no exact barometer that can measure the reliability of a consolidator, you can apply some personal checks. First: the consolidating firm must be successful. Perhaps this is the main determiner of a consolidator’s strength. If a consolidator can reduce the payday loan’s interest to a manageable rate, then you’ve won. Second, the consolidator must share useful advice – not some ‘wishy-washy’ piece that you’ve heard for many years. In most cases, consolidation agents usually appoint temporary financial managers to help you out with repayment and budgeting. These managers can also dual-function as coaches to raise overall effectiveness. Lastly, the consolidator mustn’t rip you off with exorbitant fees, or the purpose will be defeated. Seek out consolidating firms that’ll be contented with one-time payment methods. If they’re upselling, stay away and look for a new one.

Consider payday loan consolidation as a last-ditch process to solve your financial woes. Even before your payday loan turns into a major disaster, you should plan for repayment carefully. This way, you won’t have to pay ridiculous interest rates and the additional fees of loan consolidators.

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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