A loan can be chosen by you quantity between Ј1,000 to Ј5,000 with 118 118 cash. They are short term loans with a choice of trying to repay over one year, eighteen months or a couple of years. The option that is best will be different according to your own personal requirements and then we tend to be more than happy to go over these alternatives with you.
How can I apply?
We result in the application process as facile as it is possible so you can apply online for you. It is a protected procedure and prevents you worrying all about lost applications within the post, or your own personal details sitting in someone’s office in-tray for many to see. In addition it means you are able to the program in your time.
The 118 118 Money Lending Team is available 24/7on 08000 118 000/02920 893300 if you need any help during the online application process.
Exactly just What do i must use?
You will find four primary parts to accomplish through the online application: information on the mortgage about you your income bank details.
The information and knowledge we will ask you for should include:
• cellular phone quantity • Email address • Home address • work history • web monthly earnings • Outgoings • Bank details
Why do you may need my banking account details?
We ask for the banking account details so that you can understand where you should deposit your loan, and where you should gather your payments that are monthly direct debit. Having this given information right away notably increases the application form procedure and cuts management time and expenses.
Are my private information and debit card details safe?
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Be assured your data that are personal safe with us. We maintain strict real, electronic, and procedural safeguards to help keep your information that is personal secure in compliance with your privacy policy.
No, you’ll be pleased to learn there are not any nasty management or application costs for 118 118 Money loans.
Could I make an application for a loan and money that is receive the weekend?
Yes. The main benefit of online applications is it is possible to use at any time convenient to you personally. We processes applications and deliver funds 7 days a week. In case the application is processed and approved later in the day, you might not get funds before the day that is next.
My credit rating is not great, could I still use?
Yes! Today, very few folks have a great credit history if you’re able to show security and show that the month-to-month repayments are affordable then we could assist.
Within the meantime, take a look at our top tips on enhancing your credit history.
How do you check always my credit file?
You could get your credit file online from any certainly one of three credit guide agencies in britain given below:
You can check your credit history as much as you love plus it won’t impact your credit history or credit rating. Some credit file businesses provide 30-day free trials but browse the termination terms or you might get stuck spending money on a study you merely have to always check periodically.
Just just What documents shall i get before my loan agreement?
Before delivering you your contract, we’ll send you pre-contractual information along with a conclusion sheet. This can provide information that is important one to start thinking about with regards to your loan ahead of signing your loan agreement.
Will I get a remedy right away once I apply online?
You’re not merely quantity so our choice won’t be instant but we shall come to a decision as fast as we are able to for your needs. Please don’t forget to complete the whole form and very carefully browse the documents we email you.
How will you determine if my application is successful?
It all boils down to your capability to settle the mortgage centered on that which you inform us, exactly how well you’ve handled credit before, your profile that is financial exactly just what the credit reporting agencies inform us. It’s in your most readily useful interest to accomplish the application form as accurately as possible.
We appreciate that perhaps not lots of people have actually an amazing credit history but then we can help if you can demonstrate stability and show that the monthly repayments are affordable.
Will your decision be afflicted with the things I use my loan for?
Never. We’re thinking about understanding why you may want a loan, you can use the cash you desire.
How do I check up on the status of my application for the loan?
You are able to call us whenever on 08000 118 000/02920 893300*.
If my application for the loan is refused, am I able to decide to try once more?
Yes. In case the monetary circumstances alter, we welcome one to re-apply after 180 times. We recommend checking your credit report again and any other details that may have effected your application the first time around before you do so. Once again, take a moment to call us before reapplying to go over exactly exactly how your needs have changed.
So what can i really do if I’m unhappy together with your loan choice?
For those who have any extra information you think ended up beingn’t taken into account during the time of your initial application, please get in contact. We’ll then review this information and inform you our decision.
If my application for the loan is accepted, can I alter my head?
Of program – even with your loan is authorized, you’ll have actually 2 weeks to withdraw from your own credit contract. Simply allow us understand – either by writing to us at 118 118 cash, 3 Alexandra Gate, Ffordd Pengam, Cardiff, CF24 2SA or by phoning us on 08000 118 000/02920 893300*.
Keep in mind that you’ll need certainly to get back not merely the cash you’ve lent but in addition any day-to-day interest that has accrued.
Can we lower the loan amount that i do want to borrow?
Yes, the loan can be reduced by you quantity anytime through the application procedure, supplying the loan has not yet already been deposited. Call us on 08000 118 000/02920 893300* if you want to produce any noticeable modifications to the application.
The length of time can it just take until we receive a 118 118 cash loan?
We try to deposit cash in 24 hours or less of loans being qualified. It as quick as a payday loan but at a much better rate and with much nicer payment terms so you can often get.
From us just to confirm a few details if you are approved you’ll get a welcome call. We aim to deposit the funds straight to your money the moment we’ve finished the decision, therefore make fully sure your contact information are proper from the application!
Where may I get economic advice?
In the event that you look for further monetary advice then we recommend the Debt Counsellors Charitable Trust, Money guidance provider as well as the National Debt line.
(*08000 118 000 is free of British landlines. Telephone phone Calls off their systems and mobiles can vary. 02920 893300 is charged by the provider being A british nationwide quantity. )
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