4 Bad Spending Habits and How to Break Them
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Representative Example: Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%. Representative APR: 79.5% (variable).
Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk
Our online application form can be completed in less than 2 minutes.
You'll receive an immediate notification of approval on screen.
Simply choose to accept the loan offer and terms presented.
The loan funds will be transferred directly to your bank account.
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Pounds to Pocket always puts its customers first. Not only do we want to provide a stellar short term lending service, we also want to make sure our customers are well looked after by our lending partners. Getting you the cash you need, when you need it is our primary goal but we also pride ourselves on doing so in a responsible and customer first manner. We believe this is the key to a successful relationship. We understand some of our customers may have a chequered past financially speaking and obviously we don't want to compound further issues such as lumbering you with an unmanageable debt. So we only partner with responsible direct lenders who will only borrow you money that you can afford to pay back.
A lot of our customers come to us with a bad or poor credit rating simply looking for a small amount of short term funding to tide them over and here at Pounds to Pocket we do our utmost to facilitate this. Most of the small cash loans we offer are used for day to day living expenses until the next payday and are typically repaid within a single month. A lot of traditional lenders such as high street banks however are unable (or unwilling) to offer cash advances like this which is where we come in with our offering of short term cash advances repayable between 1 and 36 months.
There is no shame in taking out bad credit payday loans, it's a legitimate service sought after by over 50% of the population of the United Kingdom at some point or another. Likewise suffering from bad credit due to a few missed payments here and there is nothing to be ashamed of. These things happen. We know this, our lenders know this and as a result endeavour to primarily take into account your current financial situation when deciding whether or not to accept you for a loan rather than simply base everything on the historic information contained in your credit report.
Our business is aimed at real people, people who suffer the trials and tribulations of day to day life and every now and again just need an extra bit of help to tide them over until their next payday. Pounds to Pocket is that helping hand. Regardless of your past history, we'll do our best to get you the funding you need as quickly as possible.
We understand that not everyone has a perfect credit history and sometimes an unexpected expense or bill pops up that you need a bit of help to cover. It is because of this we offer a variety of common short term lending solutions such as :-
None of the reputable lenders we're partnered with will provide you with a loan you're unable to repay. Not servicing debt and fulfilling your commitments is one of the primary causes of a bad credit score. Our partners understand this and make it their goal to help you rebuild your credit, not damage it further by faciliating unaffordable loans.
In short, our lenders gauge what you can afford to pay back based on your income vs expenditure. So they will not borrow you money just because you requested it. This is what responsible lending is all about and why the payday lenders we're partnered with are considered some of the UK's best.
Pounds to Pocket strictly adheres to the FCA's guidelines on treating customers fairly. We follow this policy rigorously which means that you'll always be treated in a fair manner. Nothing will be hidden or obscured throughout any step of the loan application process and the same goes for our lending partners too.
But that's not where the process ends. Our lenders will also be on hand to address any queries and issues you may have throughout the entire term of the loan and all of the UK lenders we associate with put customer satisfaction at the forefront of their business operations.
Pounds to Pocket is proud to offer payday loans as a primary service as we believe in our process, as do our customers and not only do we make applying for a payday loan a quick and easy experience, we also deliver on our promise to do so in a fair, safe and responsible manner.
We pride ourselves on operating a highly efficient short term loan business. Our systems have been designed from the ground up to allow payday loan applicants to apply for the funding they need in less than 5 minutes in most cases.
Our secure online loan application form only requests the most basic details of our applicants such as name, address, contact information and some basic details about your income and expenditure. The rest is related to the loan itself such as how much, over how long and how you'd like to pay the loan back.
Once approved and you've accepted the overall terms of the loan, it will simply be transferred directly to the bank account that you specified during the application process. It's that simple and it's all handled seamlessly via our online systems in a quick, secure and efficient manner.
These are just a few of the many great reasons that our customers simply love the Pounds to Pocket payday loan service. We're highly reputable, we treat our customers fairly and above all else we aim to faciliate your need for short term finance as quickly as humanly possible. So whether you need £100 or £5,000, have perfect credit or bad, give us a try.
Whilst finding you a direct lender is our primary service, we also want to help our customers get back on track financially. We're all too aware that a lot of our customers, both old and new are suffering from debt or have done in the past and we realise the issues that brings.
Below we've curated a list of websites that can help you get back on track financially and even if you are currently meeting all of your demands, there is a wealth of information on good financial management and savings advice.
Our mission is to get you the money you need, when you need it, in as timely a manner as possible - and we'll always endeavour to do our best to achieve this. We have a high acceptance and approval rate and partner with some of the UK's most reputable and respected direct payday loan lenders operating in the space. And not only that, we'll do it in a safe, secure and responsible manner. Pounds to Pocket adheres to all of the guidelines set out by the FCA with regards to the fair treatment of customers, as do our lending partners. They will never borrow you more money than you can afford to pay back and will always treat you fairly.
We look forward to welcoming you as a Pounds to Pocket customer and if you're truly in need of an urgent cash loan, with no fees and attractive interest rates, you're in the right place.