Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
Representative Example: Amount of credit: £850 for 11 months at £146.30 per month. Total repayment of £1,609.25. Interest: £759.25. Interest rate: 150% pa (fixed). 277.6% APR Representative.
Though Pounds to Pocket does not offer loans through text message, we do have a dedicated mobile site, which is easily accessible through your mobile device. Just use your phone or tablet to navigate to our site and you'll have the ability to do anything that you could on a computer — apply for an unsecured loan, check your balance, view your account information and more.
With our straightforward application process, you'll be able to give us all the information we need to make a loan decision on your phone. And just like applications on your computer, you'll typically receive a decision within 30 minutes.† If approved, funds are generally sent to your bank account in as little as 10 minutes after approval.§
Using a mobile device with Internet access, you can do all the same things you can do on a computer. On Pounds to Pocket's mobile-optimized site, you can check our rates and terms, apply for a loan and see your current balance. The mobile site offers the same flexibility that people on a desktop computer experience.
When you're logged in to Pounds to Pocket's mobile site, you can apply for a loan using your mobile device. Just fill out our straightforward application and receive a lending decision. If you don't have an account you will be presented with the same form that people on desktop computers fill out. If you already have an account, you'll only have to fill out a select number of fields to submit an application.
Before you borrow funds from a lender, there are a few things you should do. The first is to determine the urgency of your need — how necessary is it that you get this money now? Many loans are best used for emergency expenses that can't be put off.
Next, you should compare different lenders' rates and terms. Check how much you can borrow, how long you have to pay it back and how much interest is charged.
Once you've found a lender who offers the terms you want, look through your finances to make sure that you will have the ability to pay back the loan. It's helpful to make a budget, calculating your income and expenses to see how much you could set aside to repay your loan. Make sure to leave yourself a savings buffer for future surprise expenses!