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£100 to £5,000*
  • Apply for 50-1,000
  • Fast Payout
  • No Fees
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How will My Application Work?

Secure Process

You don’t have to worry about your information being compromised. The application process involves secured data transmissions to ensure your information stays secure at all times. There’s no need for you to visit banks and wait for long hours just to get your application approved. You can have it done online and get results fast.

Paid Into YOur Account

Once your loan application has been approved, the funds get deposited directly to your account. We have plenty of options for you to receive your funds. Processing time is so fast, you don’t even have to wait for a day for it to be on your account. It is easy, fast, and very convenient.

Credit Problems

Don’t let bad credit history pull you down. With us, you don’t have to worry about your plummeting credit score. As long as you provide a proof of employment and income, you can take advantage of the services we offer. The lending company doesn’t do credit checks and it is guaranteed you get the funds right away even if you’re blacklisted.

PERSONAL lOANS

  • Apply for 50-1,000
  • Fast Payout
  • No Fees
  • Secure Appliaction
  • Available 25/7
  • Bad Credit

SHORT TERM LOANS

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  • Responsible lenders
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What is a Pre-Approved Personal Loan?

Applying for a loan can be downright nerve-wracking and tedious. Then there are those lucky ones who, without even lifting a finger, get a pre-approved loan offer.

First, of all, what is a pre-approved loan? It is basically an offer to an individual to take advantage of a loan deal which may be from a bank or a lender. A person can get pre-approved for a loan if he or she has an excellent credit history. The lender or bank sees that person as credit-worthy, thus the offer.

Just because you are a long-time client of a bank, does not mean you will automatically get an offer to get a loan. Financial institutions base their decision on your history with them – that means, a good amount of savings or investments with them, and no late or delinquent payments for your bills. You may have taken a loan from them before and if you were responsible for keeping up with payments, you could get another loan offer from them once you have completely paid for your loan.

Get Approved Fast and Easy

Financial companies like lenders also send pre-approved loan offers to an individual whose credit history they have reviewed. You may get a loan offer for a car loan, a home loan, business loans, personal loans and more. Some banks also send out pre-approved credit cards to credit-worthy account holders.

Remember that you should only take out a loan if you need additional funds. Avoid taking out a loan on a whim since having a loan is a serious financial obligation and commitment.

When it comes to personal loans, the quicker you pay it off, the better it is generally. The more quickly one pays off the debt, the less time they’ll spend in debt and the more benefit they get from a lower interest charge. Thanks to the law changes that took effect on February 2011, most loan overpayments these days should no longer have to incur penalties. 

Making overpayments

Anybody who has taken out a personal loan has all the right to overpay their debt. Most of the time, the benefit to doing so is clear- paying off a debt is always going to have more benefits compared to saving cash. However, banks may not like this because banks earn more money from charging interest on loans compared to paying them for savings.

Why it might not be a good idea

There are instances though when overpaying the loan may not be the wisest move. This is especially true for people which loans have very low APR. Sticking to the loan’s original payment term makes more sense because paying it off earlier than what was agreed will only likely cost them more. 

Penalties for early repayment

Generally, lenders will charge a fee when borrowers choose to repay the loan earlier than what was agreed. They can come in various terms such as redemption charge, early redemption fee, financial penalty, or early repayment penalty. 

Due to the changes to the law introduced in February 2011, however, there are now only limited circumstances when lenders can justify charging borrowers for overpaying or completely paying off their loan earlier than its term. 

Meanwhile, loan overpayments for debts taken out from February 2005 to February 2011 cannot be subject to more than two months worth of interest. Those who have taken out a loan after the new law took effect will now enjoy its full benefits as lenders are now obliged legally to accept them and are prevented to subject borrowers from unnecessary penalties.