PROVIDER
JUST BEFORE PAYDAY
WHO ARE THEY?
JUST BEFORE PAYDAY is a trading name of JST Financial Solutions Limited. Registered No: 6050793. Licensed under the Consumer Credit Act 1974, No: 597164, to carry on the business of consumer credit, credit brokerage, debt adjusting and debt counselling. Credit Brokers No: 597164. Data Protection No: Z9763823.
REVIEW
Just Before Payday are considered to be extremely flexible and fast. Most of their customers need a decision quickly, and the money even quicker. They provide short term solutions, which are usually not available through clients’ own banks or building societies. In most cases loans can be paid the very same day, and often within 24 hours if over weekends. A £500 cash advance may be just the help you need, to tide you over until your next payday. No need to fax loan agreement, No credit checks, No employer checks.
USP
A Just Before Payday loan is a quick advance of any amount from £100 - £800 which you may need to help see you through to your next pay day.
PROS
Customers that use the service regularly can borrow up to £800. The more times you use the service, the more you will be able to borrow. Approval can take less than one hour. If you’re approved between 08:00 and 15:20, the money can be transferred to your bank account by express payment so it’s available immediately. Just Before Payday Loans are short term advances and designed to fill the gap until Payday. These are as flexible as possible and can be extended by paying a small additional fee.
CONS
New customers will have their initial borrowing limited - approx £200 - £350 depending on income. Not a viable solution if you’re experiencing regular financial difficulties each month. May be viewed as a expensive way to borrow. APR higher than that of other lenders of this type. If your application is made over a weekend, it may take a little longer to transfer the funds.
CHARGES
For an advance of £200, you would pay back £258. Typical APR: 2220.40%.
APPLICATION OPTIONS
Apply online. Complete simple online form and get approval within the hour.
WHO CAN APPLY
To qualify you must be employed, and have been employed for at least three months. You’ll also need a bank account and a debit card and must be over 18.
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