This page has links to various types of credit products that you might be interested in.
Click on the banners to be taken to the relevant product page you are looking for, so as to get more details and apply online should you wish to do so.
Small Fast Cash Loans
These are payday type loans, but have been updated considerably since the old method when they were first brought out on the market.
You can borrow anything from 100 to 1000 and repay it back over 3, 6, 12 or even 18 months.
Interest rates can be high, but the whole process is normally done online and is very quick.
There are none of the old roll-over fees or compound interest to pay, as all the Lenders are fully registered and regulated.
Personal Installment Loans
These are unsecured loans that you can repay monthly.
More and more lenders are offering even small amounts from 500 upwards and lending them over more than 3 months.
When borrowing up to 2,000, you can now choose to repay over 3, 6, 12 or 18 months.
This is a great option, as it removes the very expensive roll-over effect of the original pay day loan type, which added fees and interest and made it unaffordable.
Personal Installment loans are also suitable for larger amounts for purchases like cars, caravans, jewellery or anything that you want really.
Larger amounts and longer repayment periods are also available too.
The maximum loan value with this type of loan is normally 25,000 and the maximum repayment terms 60 months.
How Do Guarantor Loans Work?
Not everyone has a perfect credit score or credit history.
This could be for many reasons, a lot of which might be due to the recent credit crunch which has affected a lot of people worldwide.
Loans with a guarantor work by the applicant supplying the details of someone who is willing to act as a back-up and pay the debt if it all goes wrong, which reduces the risk for the lender.
Some lenders ask for a home owner as a guarantor, but some say you can use anyone with a reasonable credit history.
The need for guarantor loans on line is rapidly increasing, with a rising number of individuals unable to access mainstream credit.
This means there should be even more guarantor type loans available from a wider range of lenders.
If you need to borrow money – perhaps you want to take advantage of a great deal or buy your dream car, etc. – there are same day guarantor loans on the market willing to lend.
These companies promise to have the money in your account within hours of applying.
Everyone loves getting a new credit card and get to test it out on line or on the High Street.
However, some credit card companies will refuse you a new credit card if you have bad credit.
We list some of the popular credit card companies that will accept applications from people with all types of credit backgrounds.
That new credit card might not be too far away after all!
Click on the links and banners to get more information and find the application forms too.
Please go to the most suitable application form by clicking on any of the loan links on this page.
You should be shown various financial products for you to choose from, including all types of loans like payday, personal, unsecured, secured homeowner and debt consolidation as well.
You might also be shown credit card offers, car finance and hopefully everything that you are currently searching for.
You could be shown related products like checking your credit score or some of the above links might not be related to borrowing at all.
If you use the above links to apply for a new cash loan and you submit all of your correct details on the form, the system will search for the best loan type available for your circumstances.
You will receive an online decision in a few minutes, so please wait until the system fully searches all of your credit options.
Implications of Non/Late payment/Credit Score
The implications of non-payment of your loan could include adverse details being included within your credit report, which you do not want.
This could adversely affect future attempts at securing credit or finance, in addition to further charges potentially being added by the lender.
Where you miss a payment entirely, you will often incur a charge/fee that will be added on to the total amount that you owe.
This will all be in accordance with the original terms and conditions outlined before you accepted the loan offer.
Upon a missed payment, lenders will often try to contact you by telephone or letter in order to recover the funds and they may be able to arrange a new re-payment date with you.
Do not ignore your lender if there is a problem that you know about.
If you are struggling or think there is a possibility that you will not be able to meet some repayments, Quick & Friendly Loans strongly recommends that you contact the lender in the first instance.
The lenders will try to work with you, not against you.
We work with a number of short term loan lenders, all of which have their own practices and distinct loan agreement terms and conditions.
The consequences of non-payment can include:
1. Making it more difficult for you to obtain credit in the future or having to pay default charges to the lender due to this.
2. Having to pay more for your credit by extending the term of the loan and therefore the period for which you pay interest.
3. The sending of this information to a credit reference agency. Carefully read the terms outlined by the lender you have been matched with.
If you are likely to miss a payment or have any problems making a payment, you should contact the lender directly to discuss your options as soon as possible.
If you fail to resolve the issues with the lender, then your account may be placed with a collections agency or sold to a third party collections company.
Disclosure of Renewal
We do not make the decision to renew your loan, but this is left to the loan lender you have taken your loan out with.
Each lender have their own specific renewal policies.
We encourage you to read the loan agreement terms and conditions specified by the lender we match you with carefully.
Should you have any questions or if you need to renew your loan, please kindly contact the lender you are matched with directly.
Compliance with Regulations
The operator of this website is not an agent or representative of consumers or any lender and does not endorse the services offered by specific lenders.
Loan companies know that peoples’ circumstances can alter.
If this has happened to you, you must let your loan company know as soon as possible and they will do their best to come to some kind of suitable arrangement with you.
The most important thing is to not borrow money that you do not think you can pay back.
Some of the loan companies may use collection agencies and you should discuss this directly with the loan company concerned.