Fancy a Payday is a Bournemouth based online cash advance lender, with no credit check, an online application, and fast approvals.
The service, operated by Total Homeloans Direct Ltd and licensed in the
UK by the Office of Fair Trading (OFT), provides loan amounts up to £500
for existing customers.
If you are a new customer, the maximum loan has been capped, according to their website's FAQ section, to £150, which is increased as you become an existing customer, depending how you handle your account.
This is done to decrease the loan risk to the lender, as they do not perform credit checks as part of the application processing, but instead, rely on verifying that you have a regular job and steady income.
Payday loans are short-term, small amount loans, which are NOT intended to be used as solutions for long-term money problems. Instead, typical uses include unexpected shortfalls in personal finances, resulting from medical emergencies and similar unforeseen events.
Also, according to industry research, many use these loans to avoid late payment charges, overdraft fees, and expenses arising from disconnected services.
The firm provides payday loans online, with most parts of the process
being automated, allowing for fast loan application processing, quick
approvals, and rapid payments to the customers bank account.
Usually this means that the money can be paid to approved customers on the same day as the application, but the clearing times depend on the time of day for your application, as well as often on which bank you have an account with.
The same day payment is an optional service, for which the company charges a fee, while the longer payment time (48 hours) does not have a fee attached to it.
Repaying the debt takes place automatically, as on the loan's due date, the company will take the payment directly from your debit card, using an automated system.
Cash advances should be used for short-term financial needs only, not as a long-term financial solution.
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