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Compare Payday Loans

If you’re looking for an online loan, whether it’s a short-term loan or a quick cash loan you should always carefully research your options. There are so many different lenders offering payday loans online that it can be quite confusing in terms of which one to choose. This is where comparing online UK payday lenders comes in very useful as you can see which one is offering the kind of finance that you’re looking for and at a cost that you’re willing to pay. Whether you use the convenience of a comparison site – which will quickly display your options using a selection of criteria that you’ve chosen – or you do this yourself, you can save yourself money and hassle by comparing lenders before you start making any applications.

What duration of loan do you want?

Online payday lenders offer a wide range of financing so it’s a good idea to decide what you’re looking for before you start making your comparisons. Traditionally payday loans were normally borrowed for a period of around 30 days and then repaid when your next salary cheque reaches your bank account. Nowadays payday loans can be repaid over a period of up to 6 months. That’s why it makes sense comparing what you get before you actually sign your loan agreement as you need to make sure you are getting the deal that’s right for you.

How much do you want to borrow?

You will need to work this out well before you start making any online comparisons. It’s important that you only borrow what you can afford to repay otherwise you may find that you get into trouble with your debt. You can do this by looking at your monthly outgoings i.e. how much of your income you are paying out in rent, bills, travel expenses, food costs etc and what is left afterwards. If you have enough left to cover the loan repayments (and probably a little extra is wise too) then you’re borrowing responsibly.

How much do you want to pay to borrow the money?

Interest rates on loans vary and some can appear quite confusing. For example, the annual interest rate (APR) on some payday loans could be different from others and APR’s can vary from 100% to 1500% depending on the lender, and loan duration. We classify all loans over 100% APR as high cost short term credit or a form of payday loans. The differences in APR’s might seem to be incredibly high because of the loan duration which can range from a month and up to a year. If you’re borrowing over a longer period of time then you’re going to pay more in interest than if you only borrow for a month, however, you won’t have the pressure to repay straight away. Sometimes choosing a shorter repayment period to save on interest can be a false economy as if you miss the repayment date then you could be charged fees and additional interest until you do make the repayment. This is why it’s important to work out how you’re going to make the repayments before you start making applications.

How to improve your approval chances?

Finally, when you apply online make sure you maximize the chances of getting approved for a loan by choosing a website that will put your application to numerous different lenders at once. Find one that doesn’t charge a fee for this service and which will process applications quickly so that you don’t have to wait around. can give you all of this and more. You can both research the lenders directly on our comparison table and also apply and select from a few matches we find for you. Comparing Payday Loans could not be easier with the options available for you on KwikCash.

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We work with a number of lenders and their APRs vary. This example shows the average figures.

Money Gap Limited operate and own the credit brokerage site, Money Gap Limited is not a lender nor does it provide credit to consumers. If you decide to apply on this site, your application will be shown to a variety of our lending partners to consider. We receive a commission from the lenders we work with after successful applicants are passed on from this website. Approval is subject to status and all applicants must have reached 18 years of age or older. The information provided on this website is for the purpose of explaining the lending process and should not be considered financial advice.

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