What should I do if I need a Loan ASAP?
Sound familiar? When financial woes strike and you just don’t have enough cash, it’s normal to feel a certain amount of panic. Don’t worry though! If you are faced with unplanned expenses or an emergency, Flexy Finance has you covered, with quick loans to match every budget and every possible emergency too. All you have to do is complete the simple online loan application and wait a matter of minutes for the good news.
I’m on Benefits & Need a Loan Today
Flexy Finance can help you get a loan. Instead of looking for reasons to reject loan applications, we look for the best possible ways to get you the cash you need now, without having to wait. We don’t discriminate. If you are on government benefits and need a loan today, you can get one. You simply have to show that you get a regular monthly income (even if you aren’t working yourself) that will cover the cost of the loan.
I’ve Got Bad Credit & I Need a Loan ASAP
A bad credit score doesn’t have to have a negative impact on your entire life. If your financial situation has changed and you can show that you are managing your relationship with credit better than in the past, you can most certainly apply for a bad credit loan or a payday loan with us.
If you have got bad credit, you can still apply for a loan, if:
- Your credit profile shows you are paying your debts
- You receive a monthly income of £700 or more
Remember that there’s no such thing as a no credit check loan. Your credit profile will always be checked, but your credit score only plays part of the role in whether or not your application is approved. Of course, having a good credit score is highly beneficial. Borrowers with a poor credit score will have to pay higher interest rates than those with a good credit score. These rates are capped by the FCA (Financial Conduct Authority) to ensure fair practice.
What should I do if I’m struggling with debt?
It is important to remember to not to borrow more than you can afford, so always borrow responsibly. These loans should not be used for long-standing financial debt or other issues. Remember, if you are struggling with debt please click on the links below:
Need a loan ASAP? How do quick loans work?
You can expect to wait just 15 minutes to receive an outcome on your application. And the cash can be paid into your bank account within just 24 hours. That’s how quick our quick loans really are!
Do I Need a Guarantor for Quick Loans?
You might think that you need a guarantor to get quick loans or payday loans approved and paid out so quickly, but you don’t! At Flexy Finance, we offer quick loans without guarantor requirements. If our direct lenders assess your ability to afford the loan repayments and consider your current relationship with credit favourable, you won’t need a guarantor or co-signatory.
It all comes down to how you are currently handling your debts and if you can actually afford the repayments. Before you apply for a loan, consider drawing up a budget first to see if you can afford it. This will save you a lot of time and potential disappointment. The UK Money Advice Service provides some great tips on drawing up a budget.
What Repayment Terms Come with Payday Loans?
Payday loans are usually repaid on your next pay day, but at Flexy Finance, we can assist you with longer, more affordable repayment terms. You can choose to settle your quick loan on your next payday or you can select a more suitable repayment term of up to 60 months.
What is the representative APR?
The current representative APR on the loans that we broker is 46.19%.
APR stands for ‘annual percentage rate’. Representative APR is the total cost of borrowing money over a year, which includes the interest and standard fees you will have to pay.
It is ‘representative’ as 51% of applicants will receive the same rate of interest, or lower, that is advertised by the lender. Therefore, it is not guaranteed that customers will receive the same APR that is advertised.
Instead, a customer will likely be offered a personal rate on a loan, which can be lower, higher, or the same as the advertised APR. Personal rates are generally influenced by factors such as credit score, personal finances and how much you want to borrow.
I Need a Loan ASAP! Do I Qualify for Quick Loans?
You can expect to wait just 15 minutes to receive an outcome on your application. And the cash can be paid into your bank account within just 24 hours. That’s how quick our quick loans really are!
Are you eligible for a quick loan?
Quick loans and payday loans at Flexy Finance are fairly easy to qualify for. You should apply if:
- You are a UK citizen of 18 years of age or older
- You currently make use of an active UK bank account
- You have a monthly income of at least £700 (this can be benefits)
