PROVIDER

4 CASH NOW

WHO ARE THEY?

Trading name of V.Gates Ltd. Registered address: 923 Finchley Road, London NW11 7PE. Consumer Credit License no: 521069. Registered in England 3573673. Correspondence address: 4 CashNow, V.Gates Ltd, PO Box 35540, London NW4 2YT.

They provide short-term loans of between £100 and £500 repayable on your next payday.



USP

All loans are ROLLED-OVER automatically, unless you tell us differently.

PROS

Short-term loans of between £100 and £500 available, repayable on your next payday. For added flexibility, you can make a minimum repayment of £100 and rollover the balance of the loan until the following payday by payment of the interest on the balance of the loan. All loans are rolled over automatically, unless you state this is not required. Poor credit history not a problem. Repay by cheque with a valid cheque guarantee card or from your debit card. Same day loans available to Debit Card customers who apply before 12 noon.

CONS

Roll over facility will greatly increase the amount you pay in interest. Not a solution for those with serious financial problems. A costly way to borrow. Temptation to extend loan period to its fullest extent. No faxing allowed, provider required original signatures on documentation, this will result in a longer processing time.

CHARGES

Interest 25% of amount borrowed, eg borrow £240, interest £60.00, repay £300.00. Typical APR 1284% based on 31 days.

APPLICATION OPTIONS

Apply online. You could receive your money the next working day - providing that a signed loan agreement, completed Debit Card mandate form, 2 proofs of id, 2 recent bank statements, 2 recent pay slips, a copy of your Debit Card (both sides) are received. For agreements received before 12 noon, the loan will be paid the same day by Priority Payment.

WHO CAN APPLY

No precise details regarding application criteria published on the site. Typical requirements for this type of payday loan are: over 18; employed; bank account with debit card/cheque book and cheque guarantee card; salary paid into bank account.

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