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Everything you wanted to know about payday loans.
A payday loan is simple. Based on your salary slip, a payday loan company will authorize and approve a loan. The loan amount is also dispensed almost immediately. This can be a huge help, especially if you need money urgently. However, the process is not as simple as you think. Before you apply for a payday loan, here are a few things you should know.Does the company do a credit check before dispensing the loan amount?
If you really look at it, its not possible to give cash away to borrowers without at least doing a background check. Every reputable lender will ask for your payment slip, or salary slip and this will be used to verify your job stability, address, employment history, credit history, etc. This kind of check is not an exhaustive check that is usually carried out by banks and other lenders. However, a soft check or minimal background or employment verification scan is definitely done to determine eligibility and repayment capability. The good news is that this kind of background check does not negatively impact your credit history. In case you accept the loan offer, then a full credit check may be done.
Does a bad credit history impact the chances of getting a loan?
Not really; if you have a bad credit history, you are still eligible for a loan. However, the lending amount, interest rate, or repayment process may vary considerably. There are also payday loan companies that specialize in bad credit payday loan companies.
How soon is the payment made?
Once you have applied for the payday loan, the process of verifying your employment history is done immediately. The terms of your loan and the loan amount are also discussed as soon as possible. Once you have accepted the loan amount and offer, the cash will be transferred directly to your back. However, the transfer time may vary according to the bank. We recommend checking your bank transaction times to get a better idea of when you can withdraw the amount.
Can you explain in detail how the payday loan process works?
The process is simple and easy to understand. Most of us work on a weekly or monthly pay check. However, sudden expenses may empty our bank account making it difficult for us to make ends meet. In this case, emergency loans called payday loans are an easy option. These sites work fast and the cash is transferred to your account as soon as possible. They are also referred to as short term loans of cash advances.
When are the working hours?
We are one of the premier payday loan companies in the UK and we are completely online. To make it easier for borrowers, we are open 24/7. When you contact our, our company representatives will get in touch with you as soon as possible. The loan applications are reviewed and verified and once you approve of the loan amount, the cash is transferred to your account. This entire process takes less than 12 hours to complete. However, this is just how we work. Other lenders may not work 24/7 and the loan approval process may be different. However, you should know that bank holidays may impact the loan approval process.
Is there a limit to the amount I can borrow?
Each lender will have specific limits. However, the lenders we work with have a maximum cash limit of 2,500 pounds. The borrowed amount will also be approved based on your request, your salary slip and repayment date. Please note that we only work with responsible lenders. That means you will only be lent amounts that you can repay within a reasonable amount of time.
Webmaster Toolkit Finance's Company? What makes this company different from other companies?
We are not a lender. We are a broker company that will put you in touch with responsible lenders. That means we offer a referral service in which we use technology to match your requirements to a responsible lender. By doing this, we can ensure that your loan request is approved by our lenders. You don’t waste time applying to multiple loan companies and your credit score is not impacted. With our service, you get a loan as soon as possible in the shortest time possible.
What makes a broker better than a direct application? Direct applications to a payday lender sound better.
A broker firm is far better than applying to a payday loan company directly. Each company has its own criteria for loan approvals. When you fill in our online application, our inhouse technology matches your requirements to the right payday lender. This will speed up the borrowing process and your loan application is sent to several lenders. You could also get a higher-than-requested loan amount as our technology has matched you to the best lenders. Once your loan offer is accepted, you get an instant loan offer.
So do you offer a QUICK LOAN?
There is nothing special about a quick loan. Its just a loan that you get quickly and it also refers to a payday loan or a cash advance loan. Other loans like credit loans, home loans and personal loans take longer to process as they involve larger amounts and may require security and co-signers. Quick loans involve smaller amounts and are dispensed quickly; that’s the only difference.
What the guarantee that WEBMASTER TOOLKIT FINANCE will connect me to the right lender?
Our proprietary inhouse software matches your loan requirements to the right lenders and multiple applications are made quickly. We work with responsible lenders and the process is streamlined to make it quick and easy. In fact the entire process from application to loan offer is about 5-10 minutes.
What are your eligibility requirements?
Our requirements are simple. You should be 18-years of age and above and a UK resident. You should also have a permanent mobile phone number, address, email address and a bank account.
How does the repayment process work?
The repayment process will depend on the lender. However, the process and payment amount is usually clearly spelled out in loan agreement. In most cases, the loan repayment amount is automatically deducted from your bank account on a monthly basis after your salary is debited.
There are many brokers on the market. There might be better companies than Webmaster Toolkit Finance.
Not really. Each company has its own benefits. However, we know that our service is the better. We have several satisfied customers and that should be reason enough to choose us as your primary payday lending broker company.
We hope these few tips have helped you understand how the payday loan process works. For more information, do get in touch with us and we will be glad to help you out.
Why Use WebmasterToolkit
- Borrow up to £2,500
- Fast Cash Transfer
- Cash for Any Purpose
- Top UK Payday Lenders
- 24/7/365 Service
- Quick Application Form
- On Screen Decision
- Cash to Your Bank
- No Hidden Fees or Charges
- 3 Month Loans
- No Obligation Quotes
- Bad Credit Possible
- No Paperwork
- Secure SSL Technology
- 100% UK Service
Read to apply for your Payday Loan?
How Does Webmaster Toolkit Compare?
- How much can I borrow?
- Chance of getting approved?
- What are the repayment terms?
- How do I apply?
- Do I need to pay back a lump sum?
Webmaster Toolkit
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Up to £5,000
- Good
-
1 – 36 Months
- Apply Online
- No
Why US
- No hidden fees
-
High approval
No paperwork. - 2 min Application
- Easy repayments