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Important information

• Representative APR for Lenders charging an interest rate of less than 100%

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  Representative: 91% APR. Representative Example: Amount of credit £500 borrowed for 180 days. Interest: £160.27 Interest rate: 65% per annum (fixed). Representative APR: 91% Total amount payable: £660.27 Period of loan: 3 – 36 months. APR rates from 35.9% to 1294% - your APR will be based on your personal circumstances. Read more

  Please note, Very Pro Loans is not a lender and the rates calculated above are based on a calculation of the average of the representative rates provided by the lenders on our panel.

• Representative APR for Lenders defined as high cost and charging an interest rate of more than 100%

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  Representative 728.9% APR. Representative example: £400 borrowed for 30 days. Total amount repayable is £459.36. Interest charged is £59.36, interest rate 180.5% (variable). Read more

  Please note, Very Pro Loans is not a lender and the rates calculated above are based on a calculation of the average of the representative rates provided by the lenders on our panel.

• Implications of Non Payment

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  If at any point during your loan term you find yourself unable to repay the loan on time, you need to contact your lender immediately in order to discuss the possible repayment options. You may incur extra fees and interest as a result. Read more

  Also, some lenders may take a legal action if the non-payment is repeated. However, the majority of lenders, before taking action, will contact you by phone or in writing in order to discuss the matter and rearrange the payment. You need to be aware of the fact that if you fail to repay your loan on time, this might lead to extra charges and affect your credit score. Therefore, before signing your loan agreement it is important that you carefully read the charges section on the lender’s website. Remember that non-payment or late repayment can cause you serious problems.

• Debt collection

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  Most lenders will contact you by phone, letter and/or email in order to discuss the matter and rearrange the payment. You need to remember, however, that non-payment may lead to some extra charges and/or increased interest and it may also seriously affect your credit score. Read more

  If you do not contact your lender or repeatedly fail to repay your loan, your debt may be passed to a collection agency, which would take further action. Also, if you do not contact your lender regarding your non-payment, then you could risk the details being included within your credit report.

  Loan Renewal

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  Very Pro Loans do not recommend the renewal of your loan. Read more

  However, if you wish to renew your loan, you need to contact your lender before your repayment date. The majority of lenders will charge the same interest rate and fees for another month but this will be based on the total amount that you owe and not just the original amount that you borrowed. However, in the case of non-payment, a loan renewal or extension might be automatic and you might incur extra interest and/or charges.

• Implications of Late Payment

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  If at any point during your loan term you feel that you will be late with your payment, please contact your lender as soon as possible in order to try to rearrange your payment date. Read more

  However, again, you need to know that this might mean extra charges. Also, in the event of late payment, some lenders charge a late payment free whose amount differs from lender to lender. In order to find out more about late payment, please refer to the terms and conditions section of your loan agreement.

• Quick credit? Let’s check if it’s possible!

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  Do you need extra money really quickly? If that’s the case you’re probably wondering if there’s any possibility to take such a credit online, without extra fees, easily and effortlessly. Read more

  In fact, there are plenty of interesting opportunities concerning online credits, hence everyone who needs money really quickly can take a chance and find a direct lender in order to have an opportunity to get a cheap short term credit.
  
  Online is better than offline
  Needless to say that online loans aren’t the only way to take a credit, however it’s basically obvious that if you wish to get some extra money, as a rule you don’t have plenty of time. Therefore, one of the most important things is to find a way to find some extra money as soon as possible. As a result, online credits seem to be not only much more convenient, but also significantly easier to use, not to mention – you don’t have to travel at all and it is possible to settle the whole thing from your own couch.
  
  It’s not a surprise that so many people in the UK seem to be incredibly interested in online loans. Apart from the fact that they’re extremely easy to use, they’re also very convenient and affordable, of course if you find an appropriate direct lender.
  
  How to find a cheap credit?
  The fact is that if you don’t want to spend a fortune when settling a credit, you have to find an appropriate loan in the first place. It means that searching UK payday loans is a matter of finding an offer which is both intelligible and attractive in terms of total cost.
  
  Luckily, it’s not so hard to find an appropriate solution, especially because the number of companies willing to lend you money for a short term credit is incredibly great. Hence, it’s not a problem to skim some popular opportunities and pick one of the most suitable in not more than a few hours.
  
  Things to check
  No matter if you’d like to find a loan in order to go on holiday or you need some money to solve other financial problems, you can be sure that borrowing cash isn’t a hard thing. However, regardless of how much money you’d like to borrow, you should check at least some most important things concerning each offer.
  
  For example, find out if you have to have a credit card. Luckily, there are plenty of offers that are available if you don’t have one – UK payday loans no credit check are not so hard to find and can be truly beneficial, just as much as UK payday loans bad credit.
  
  Apart from that, you should definitely look for a direct lender in order to avoid additional fees and so on. In fact, it’s not as difficult and complicated as it seems to be, especially because the number of companies dealing with such cases online increases all the time.
  
  Finally, check where the company comes from. They say that money doesn’t have nationality, but that’s definitely one of the most important things to find out if you want to sign any paper with another company.
  
  How to apply?
  Almost every single company, who has anything to do with online credits, has a simple and efficient online system. As a result, it’s incredibly easy to place an application in order to get online credit from direct lenders only. The offer of UK payday loans is incredibly wide, so if you’re not entirely happy with one of companies, it shouldn’t be a problem, because number of other firms will eagerly lend you money. As you can see, it’s an easy task to get an online credit in no more than an hour, even if you have no knowledge about it so far. Good luck!