payday loans for any purpose
01403 215760 01403 215760In what is a clear sign of the times, reports indicate that as many as one third of all Britons are now regularly eating food which is past its ‘use by’ date and one in five are cancelling insurance policies in a bid to save money, reveals payday loan provider Cash Until Friday (http://www.cashuntilfriday.co.uk).
There are always clear signs to be found in statistics which reveal a snapshot of the state of the nation at any one time. New research demonstrates just how cash-strapped people are in the UK, further evidence of why more people are having to turn to sameday payday loans to get through to the end of the month and that long-awaited payday. A poll of more than 1,000 Britons by market research firm Lightspeed Research has found that a signficant 29 per cent of us are eating food which is beyond its ‘use by’ date on a regular basis, something most of us would try to avoid in general.
At the same time, 18 per cent of people in the UK have cancelled health, critical illness and home insurance in the past year, in another surprising move to save money which reveals how hard-up most of us are becoming in Britain. What we used to think of as essentials (only eating food which is within its use-by date, having a home insurance policy) are beginning to seem like luxuries we can no longer afford.
These research findings are published against a backdrop of wider, more worrying statistics. The Office for National Statistics has stated that the average disposable income fell to its lowest level in nine years in the first three months of this year, while economists are warning that household incomes are going to be squeezed for some time to come. Ralph Risk, European marketing director at Lightspeed Research, is quoted in The Telegraph: “We all know that people have been cutting back to save money, but it’s fascinating to see the lengths to which some people are going.”
If all this sounds familiar to you, and you too are making cutbacks you would never have previously considered simply to make ends meet, then consider the option of an instant payday loan. Find out more at http://www.cashuntilfriday.co.uk.
Most people in the UK are in debt of some kind, and regardless of the level of that debt, how it is managed is very important. Here, payday loans provider Cash Until Friday (http://www.cashuntilfriday.co.uk) explains how to prioritise your way to effective debt management.
We all understand the importance of prioritising when it comes to managing our time, but the fact is that prioritising can also help us manage our money. If we prioritise our spending habits we are less likely to get into debt. For instance, to avoid falling short of pay day, spending your wages too soon and resorting to a payday loan, prioritise your bills. Food, utilities and basic living expenses are of course a must; mortgage or rent payments are unavoidable regular bills for most of us; and then there are the other essentials such as travel costs. Put money aside for these before you spend a penny on anything else and you’re less likely to get into debt in the first place.
But considering that this doesn’t allow for any leisure spending at all, or the cost of a friend or family member’s birthday gift, for instance, let alone for unforeseen expenses such as a medical bill, car repairs or emergency plumber call-out charge, prioritising spending to that extent is perhaps unrealistic. If you have fallen into debt, then prioritising can still help. First, analyse all the different ways you are in debt, writing down everything from ongoing ‘life debts’ such as mortgages or car loans to payday loans and money owed to family and friends. Then put the debts into columns according to their urgency and importance. This will vary depending on your personal circumstances, for instance, your rent may be urgent but the debt to your best friend may be very important to pay back. It is helpful to think of consequences to not paying that debt back right now, and factoring that into the equation. If putting off payment of any of the debts will result in you getting further into debt (because of late payment charges or fees, or in the case of tax bills, for instance) then those debts should be firmly placed in your ‘urgent’ column.
Once you have prioritised, now is the time to communicate to those lenders who will not be paid back immediately. One of the most common behaviours when it comes to debt is avoidance – not just avoiding lenders but avoiding addressing the larger issue of debt. It’s time to be honest with yourself and honest with your lenders. Only then can you make a realistic plan of repayments and begin the journey out of debt.
Cash Until Friday are a responsible fast payday loan company, helping people to access short term cash when they need it. Find out more at http://www.cashuntilfriday.co.uk.
The rise in the cost of living is hitting families in the UK hard, if a new report by a leading think-tank is anything to go by, reveals payday loan company Cash Until Friday (http://www.cashuntilfriday.co.uk).
Rising food and fuel prices, as well as significant increases in the cost of childcare, are causing the average family in the UK to fall £9,000 short of the amount needed to maintain the ‘basic’ standard of living to which they have become accustomed, according to the major report from the Joseph Rowntree Foundation.
The report reveals that a couple who both work and who have two children would need a joint income of nearly £37,000 a year to be able to afford basic food, clothes and leisure activities. That would mean that they would need to increase their income by one third to maintain the same (which is seen by most as a ‘decent’) standard of living as that enjoyed four years ago in 2008. In order to establish what is generally accepted as a decent quality of life, the Foundation considered those possessions and pastimes which would allow families to meet ‘socially accepted norms’ but not those deemed as extravagances. Things which made the cut included simple, healthy food, occasional clothes purchases, a cheap mobile phone and a self-catering annual holiday in the UK.
The minimum cost of living for a family in Britain has risen 16 per cent faster than inflation in the last four years, which goes some way to explaining the increasing popularity of payday loans online as a way of bridging the gap until payday. One of the authors of the report, Donald Hirsch states that, “People are being more modest in terms of what they think needs to be spent on participating in society, but this thrift has been outweighed by rising costs. Parents have not changed their view of most needs, including a nutritious diet and participation by children in activities vital for social inclusion. What has changed is the ability of many families to afford such essentials.”
If you are feeling the pinch, particularly in the run-up to the day your wages are paid, then consider the benefits of a same day payday loan from Cash Until Friday – you’ll find details at http://www.cashuntilfriday.co.uk.
Obtaining a quick payday loan from Cash Until Friday (http://www.cashuntilfriday.co.uk) is a straightforward process. All you need to do is complete our online form, sign the associated contract and await your money. However, the ease of getting hold of a payday loan should not blind you to the fact that it needs to be used responsibly if there are not to be consequences.
Here at Cash Until Friday, we appreciate as well as any other company that there are all kinds of unforeseen circumstances that can make it difficult to repay payday loans on time. That is why, if this situation applies to you, we are happy to consider an extension of the loan once we have concluded, after extensive assessment, that your financial situation will not be adversely affected by any extension.
Read more: Remember to be responsible with your use of payday loans
There is a multitude of reasons behind the popularity of short-term borrowing with payday loans. A new study could indicate that one of the reasons people are applying for more payday loans online is because borrowing between friends is becoming less flexible than ever, as leading provider of payday loans Cash Until Friday (http://www.cashuntilfriday.co.uk/) explains. In the recently published study from MyVoucherCodes.co.uk, two thirds of people surveyed said they regularly lend money to friends but only on the basis that it will be definitely be paid back. Perhaps surprisingly, most people would only give a measly £5 to a friend without expecting it to be paid back, and only 24% were happy to lend £10 without wanting the money to be repaid.Only 2% of those surveyed would be happy to lend £25 or more to a friend with no expectation of getting that money back. And perhaps it’s little surprise given that one in three people admitted that they themselves had borrowed money from friends in the past and not paid it back. It’s a sure sign of the times when behaviour among friends changes to accommodate a tightening economic situation. Households in the UK are suffering under rising utility costs and low or non-existent pay increases, so it’s understandable if every £5 counts, even between friends. Also understandable is the need for more substantial borrowing than £5 or £10 here and there. The sad truth is that more and more people are finding it hard to stretch their wages to payday, and if this survey is correct and friends are not necessarily to be relied on for borrowing, then a payday loan could well be the answer. Of course payday loans have to be paid back too, but the advantage over borrowing from friends is that not only can you borrow more than just a few pounds (typically anything between £100 and £1000) but it’s also a very quick way to get your hands on some much-needed cash. At Cash Until Friday we offer same day payday loans so you get your money when you need it. And what’s more, your friends don’t even need to know that you need to borrow money at all. Interested in finding out more about this type of borrowing? Then visit the Cash Until Friday website at http://www.cashuntilfriday.co.uk/.
Bankruptcy used to be something of a dirty word; a last resort which smacked of desperation and something that should be avoided at all cost. Not any more, however. Whether it is a sign of these harsh economic times or a more open-minded attitude to debt management, filing for bankruptcy is on the rise. Payday loan firm Cash Until Friday (http://www.cashuntilfriday.co.uk/) looks at bankruptcy to help you decide whether it could be an option for you.
There’s no denying that even in this day and age bankruptcy is an extreme form of debt management (far more life-changing than taking out pay day loans), given that your possessions, home and income are all used to pay off your debts. Anyone who files for bankruptcy has to agree to certain restrictions which will affect their finances and their lifestyle, and of course they have to accept that their full financial affairs will be looked into in great detail. However, if you are happy to agree to those terms, then in time all of your debts are cleared.
Individuals as well as companies can apply for bankruptcy by applying to a court which deals with bankruptcy. It will be this court which will issue your bankruptcy order. While the order is going through, you will hand over all assets of value over to a trustee who will be managing your bankruptcy. This trustee is an office of the bankruptcy court at first and once the process is further along an authorised debt specialist will be appointed to you by the court.
It is vital that you understand the restrictions which will be imposed upon you once you are made bankrupt. First, you agree to co-operate with all actions and decisions of your trustee; then you agree to handing over any valuable assets to the court via your trustee, including your bank and credit cards; and finally you must agree not to make payments to any creditors listed in your bankruptcy order separate to the court proceedings.
It is also important that you understand the ramifications of being made bankrupt. Not only do you have to hand over all of your assets, including your home which could mean losing any financial interest in your property, but your bank will freeze your accounts and may not allow you to open new ones. (And remember, if you don’t have a bank account with a valid debit card, you cannot apply for a Cash Until Friday pay day loan.) You may subsequently find it hard to get credit for the six years that a bankruptcy is kept on record, and key financial figures in your life will be notified of your bankruptcy, from your landlord to your insurance company. It is also likely to mean the closure of your business if applicable, or affect your working situation. Not all employers are sympathetic to bankruptcy and some roles do not allow it, such as a solicitor or a trustee of a charity.
So, as you can see, bankruptcy is not something to be taken lightly as it affects a great many areas of your life for at least the six years it is kept on record. However, for some it is a lifeline when less affecting debt management methods such as quick payday loans are not enough. If your financial troubles are less pressing and you’re looking for a short-term solution, however, find out more about payday loans online at http://www.cashuntilfriday.co.uk/.
One of the many benefits of our fast payday loans here at Cash Until Friday (http://www.cashuntilfriday.co.uk/) is the fact that you can have the money paid into your account within the hour. That amazingly quick turnaround isn’t just a bonus, however, for some people it’s a must, as same day payday loans provide emergency cash assistance when its needed most.
As we’ve discussed on the Cash Until Friday blog before, people apply for payday loans for all sorts of different reasons. Indeed, the fact that applicants need not specify what their payday loan is to be spent on is one of the advantages of this type of borrowing when compared to traditional bank loans. However, there is one particular area where instant payday loans really come into their own, and that’s in cases of emergency.
None of us know what’s around the corner, and unfortunately life has a way of giving us nasty surprises sometimes. There is the unexpected trip to the dentist which that raging tooth ache makes impossible to avoid – and the huge bill after all the necessary dental work has been done. There are other, more serious, operations and health issues which can come up and which can leave us out of pocket after we’ve had the problem seen to. And while our health may be the most important thing, there are other issues which are just as difficult to ignore no matter what the state of our bank account, from broken down cars to busted boilers.
When the financial well is dry but the emergency is going nowhere, same day payday loans are the perfect (and sometimes, only!) solution. Emergency situations call for instant action which is why at Cash Until Friday we have included a faster payment option whereby the cash is in your account within the hour for a small fee of just £12.
The next time you face one of life’s emergencies, large or small, remember the same day payday loan solution from Cash Until Friday. Learn more at http://www.cashuntilfriday.co.uk/.
As you have previously read here on the Cash Until Friday (http://www.cashuntilfriday.co.uk/) blog, demand for payday loans has never been greater: applications rose by a staggering 400% last year and demand continues to rise with every passing month of 2012. Here are some of the main reasons people apply for a payday loan.
Privacy
Many people find it embarrassing to borrow money, particularly from family and friends. If you don’t want your loved ones knowing you are struggling and want to keep your financial matters private, then a payday loan is ideal. The loan can be applied for, checked, approved, paid out and paid back in full and your family, friends and colleagues will be none the wiser.
Short-term debt
Most people are looking to get out of long-term debt and want to avoid racking up huge credit card bills. One of the attractions of a fast payday loan is the fact that they are paid back in the short-term so you are not getting further into long-term debt.
Quick cash
In most cases, when you need a loan you need it fast, but finding someone to borrow from and arranging a bank transfer can take nearly as long as applying for a bank loan. Apply for payday loans online and with Cash Until Friday you can have the money paid into your account within the hour. Our same day payday loans get people out of a financial hole fast.
Unexpected outgoings
It’s one thing to plan on buying a car and putting in an application for a car loan with the bank, but there can be substantial and unexpected outgoings that arise for which you’re not prepared. In these cases, people turn to fast payday loans.
No need for banks
Not everyone wants to turn to their bank for a loan. Perhaps they hold their mortgage with the bank and don’t want their bank manager to know they need short-term financial help, or perhaps they’re worried about a poor credit rating, either getting one or worsening an existing one. People are attracted to the fact that payday loans are not offered by their high street bank. Of course there are basic credit checks which need to be carried out, but even if you don’t have a great credit rating you can still be approved for a payday loan.
These are just some of the primary reasons people are turning to payday loans, but the great thing about borrowing in this way is that your reason which is personal to you can stay that way – personal and private. There’s no need to divulge the reason you’re applying for a Cash Until Friday payday loan. To find out more, visit http://www.cashuntilfriday.co.uk/.
Cash Until Friday (http://www.cashuntilfriday.co.uk/) helps people to make it through until payday when money’s tight. We do more than just provide payday loans, however, we are also here to provide some helpful tips when it comes to managing your finances. For instance, here’s our guide to some of the most common financial pitfalls and how to avoid them.
You know what they say, when you fail to plan, you plan to fail. Look ahead, try to forecast what you will need money for, what bills come in when, and how you’re going to fare financially over the coming weeks, months, even years. It may seem daunting, but a little planning ahead can do wonders for your finances. If you’ve failed to plan ahead and you’re finding pay day isn’t coming round fast enough, then there’s always one of our fast payday loans.
Even the most painful of financial mistakes can be helpful if we learn from them. Whether you overstretched yourself with a car loan in the past or you flex your plastic too often in the sales, think about how you’ve got yourself into hot water financially and you’re less likely to fall into the same traps again.
Most of us are guilty of wanting to keep up with our friends, colleagues and neighbours, and sometimes that can mean buying the latest must-have handbag or even a new car, just to keep up! This is a sure-fire way to get into financial trouble. And remember, they may be making the same financial pitfall and can’t afford it either!
There’s a lot of credit out there and it’s tempting to put things on the ‘never never’, but purchase now, pay later deals can get you into trouble unless you can be sure you can afford the repayments in the future. Short-term, instant payday loans are the opposite of living on the ‘never never’, as you’re not getting into long-term debt.
Unfortunately, this pitfall is at the centre of most people’s financial problems. If we don’t accept the fact we are in financial difficulty, we can’t address the issue. Facing up to facts is key to getting out of the mire. This means opening up those bills, reading those bank statements and addressing the issue face on.
Finally, don’t be afraid to ask for help if you feel your hold on your finances is slipping. Speak to your friends about how they make it to payday, after all, a problem shared is a problem halved.
To find out more about our payday loans go to http://www.cashuntilfriday.co.uk/.
Demand for payday loans shot up by a massive 400% last year, and astonishingly demand continues to climb. Is it astonishing though? This level of demand is actually not so staggering when you consider just how much the world has changed in the last few years, reports leading pay day loan provider Cash Until Friday (http://www.cashuntilfriday.co.uk/).
According to financial comparison site MoneySupermarket.com, the demand for pay day loans soared by 400% between January and March 2011 when compared to the previous year, and this was a demand that continued to climb throughout the rest of the year. At Cash Until Friday, we can confirm that more people than ever before are considering an instant payday loan to help get them out of a fix. For some people, a pay day loan is just that: short-term cash to get them through until pay day. For others, it’s a way of paying bills when times get really tight, and other people consider a pay day loan to pay for an unexpected, significant purchase such as a new boiler or essential and costly car repair.
Regardless of what people use their pay day loan for, it’s clear that this is a new short-term finance option which is gaining popularity year-on-year. This is not surprising when we consider just how tough times have got across the UK, and indeed the world, in recent years. The world has seen great economic change, from banking crises to European bail-outs, plummeting real estate markets and rising unemployment figures. The global economic crisis has hit us all hard, and increasingly we’re looking for alternative ways to access cash short-term.
Pay day loans are also proving popular because most don’t rely on credit ratings. A lot of people have found their credit rating has been down-graded by their banks due to an over-reliance on credit card spending or inability to meet their mortgage. Pay day loan companies offer people a way to get their hands on cash quickly without having to worry about a poor credit rating.
Little surprise, then that there is an ever-increasing demand for these type of loans. And while we all hope that the economic climate improves and we start to enjoy more financial freedom, until that happens, there’s always the short-term solution of a pay day loan. Find out about the terms of our loans at http://www.cashuntilfriday.co.uk/.
Given the fact that the UK is suffering under a recession, it’s little wonder that more people are looking for short-term payday loans than ever before. An increased demand has created a rise in the number of payday loan companies, but not all are created equal! Here at Cash Until Friday (http://www.cashuntilfriday.co.uk/) we’ve identified the top 5 benefits of one of our loans:
The short-term nature of our payday loans at Cash Until Friday means that there is no encouragement to get into long-term, crippling debt. You only borrow the money until your next pay day so it’s a simple, short-term solution which won’t affect your future finances.
You can borrow as little as £100 or as much as £1,000. These flexible loan amounts mean you need only borrow exactly what you require, no more (as long as it’s between £100 and £1,000).
If you go to your bank manager for a loan, the likelihood is that they will ask you to state the purpose for the loan and only approve loans for a few specific purposes (such as for a car or house purchase or for home improvements). You don’t need to specify what a Cash Until Friday same day payday loan is for – it’s completely up to you!
We offer one of the speediest quick pay day loans in the market, transferring your loan to your bank account within the hour upon approval if you request the faster payment option for just £12.
We understand that your finances are highly important, which is why you can always speak to a human here at Cash Until Friday and not just deal with a payday loan company over email or be made to leave endless voicemail messages. Simply call us on 0845 557 6022 and we’re here to help!
These are just five of the many benefits of choosing a Cash Until Friday payday loan, learn about more athttp://www.cashuntilfriday.co.uk/.
Here at Cash Until Friday (http://www.cashuntilfriday.co.uk/) we’re all about short-term cash flow, helping people to get through the month when pay day seems far away or when unexpected outgoings arise. Here’s how a Cash Until Friday payday loan works.
The first step towards getting your fast payday loan is by visiting the Cash Until Friday website at
www.cashuntilfriday.co.uk. Then, fill out our simple and quick online form and you’ll be given a decision on whether you’ve been accepted for one of our payday loans right there and then – no need to wait for days when you need the money now! You are eligible to apply for a Cash Until Friday payday loan if you are over 18 years of age, you earn over £750 per month in permanent employment and are paid monthly, and you have a bank account with a valid debit card facility.
If you’re approved for the loan, the next step is filling out the contract which once again is found online, with no need for printing the contract and sending it away. Our easy-to-use online Loan Calculator will help you decide how much to borrow and what the loan repayment costs will be, so you’re in the know from the very beginning. You can choose to borrow anything between £100 and £1,000 and because we use a flat rate of £30 fee for every £100 you borrow, it’s easy to keep the cost of your loan in mind from the outset.
Once you’ve filled out the contract online, complete with your debit card details, all you then have to do is wait for the cash to be transferred directly to your bank account – and if you choose the faster payment option for just £12, you can even have the cash in your account within the hour. That’s one of the fastest payday loans on the market!
These are the straightforward steps involved in getting a Cash Until Friday quick payday loan, but should you have any more queries, there is a Frequently Asked Questions area of our website at http://www.cashuntilfriday.co.uk/ or you can contact us on 0845 557 6022 for more information.
A new report from the Halifax has revealed that most people in the UK find that their monthly wage isn’t enough to see them through until pay day. In fact according to the report, many people run out of money only 17 days into the month. If this sounds all-too familiar to you, help is at hand here at Cash Until Friday (http://www.cashuntilfriday.co.uk/), the responsible payday loan firm you can trust.
The Halifax surveyed 2,000 customers about how far they can stretch their money each pay cycle and found that many people run out of money half-way through the month. The average monthly wage lasts for just 17 days of the entire month before things start “getting tight” for most people surveyed, with two weeks left to go and money severely dwindling or in some cases running out completely.
The report found that half of UK households have real fears of running out of cash in the week before pay day, but one in ten people surveyed admitted that times are so tough that their wage only lasts for one week out of the four. The reason for this widespread hardship seems to be a common freeze in income while costs increase in the downturn. The UK Government-imposed austerity measures and the wider economic climate is significantly impacting the finances of many people.
Unfortunately, these findings come as no surprise to us here at Cash Until Friday as it’s such a common occurrence, especially in these tough economic times. We help bridge this unforgiving pay day gap with a fast payday loan, paying anything between £100 and £1,000 in to your bank account within the hour (with our faster payment option which costs just £12) and helping you last until pay day.
What that provides is far more than some much-needed extra cash; it provides peace of mind and breathing space, just when you need it. So don’t struggle for those last two weeks of the month – when things get tough and you need cash until Friday, you need us here at Cash Until Friday! You can check out more information at http://www.cashuntilfriday.co.uk/.
*based on a 30 day loan
£150 borrowed for 30 days.
Total Interest payable £45.
Total amount payable by one repayment is £195.00.
Annual interest rate of 360% (Fixed).
2334% APR Representative.
