PROVIDER
EPAYDAY
WHO ARE THEY?
EPAYDAY, 899 - 901 Finchley Road, London NW11 7PE.
EPAYDAY state that they are the premier UK payday loan service providing quick cash advances to borrowers who need money for emergency purchases.
USP
EPAYDAY is a low interest rate payday cash loans lender serving customers across the UK. They provide a fast, convenient no credit check lending service for UK residents.
PROS
Borrow up to £800. Three repayment options available - so flexible to meet your requirements - 1/ pay interest and loan in full on your next payday; 2/ pay only the interest on your next payday and defer the loan payment to the following month ( you can do this as often as you like; 3/ when you get paid, pay the interest and part of the balance - as much or as little as you can afford. This reduces next month’s interest charge. Even better, make a full or part payment on the balance within 14 days of your last pay date and you’ll have no interest to pay. That’s right - none.
CONS
Not the quickest application process. Payday loans are only a short term fix and should not be considered if you’re experiencing prolonged debt problems. Can be considered an expensive way to borrow.
CHARGES
£20 per £100 borrowed, eg £400 borrowed, interest £80, £480 repayable after 42 days. Typical APR 791.6%.
APPLICATION OPTIONS
Apply online. Fill in the online application form; Fax (or post) the required documents back. Once you’ve been approved, you’ll receive, by fax or post a credit agreement, sign it and return with your repayment cheques. Once these have been received back, we’ll get the money into your account that same day.
WHO CAN APPLY
At least 18, you’ll be in employment with your salary paid into your current account. Possession of your own chequebook and valid cheque-guarantee card will be essential.
Do You Need Cash Today Up To £1000?
If you need a short term cash loan with no credit check carried out, no paperwork to sign, 100% completed online then compare the leading payday loan lenders under no obligation here.
Do You Need An Unsecured Loan Even If You Have Bad Credit?
If you have a bad credit history but need an unsecured loan to be repaid over longer periods there are lenders that can accept your application based on it merits click here.
Do You Need A Credit Card But Have Been Refused Elsewhere?
If you have been refused for a credit card there are cards designed for those that need to build their credit or have never had a card or even if you have CCJ's, defaults and arrears.
Everything Financial offer products and services to help rebuild your credit history. If you have been turned down for a credit card or loan, we have various no credit check products or products designed to help rebuild your credit. We affiliate with leading UK companies within this market that understand your credit history may be less than perfect. Products include no credit check online payday loans, unsecured loans for bad credit, credit cards even with a poor credit history, prepaid credit and debit cards, guaranteed banking accounts and many more.
