Handy Cash is an online direct UK payday lender, providing small short-term loans for amounts ranging from a minimum of £100, up to £750 for returning customers.
Payday loans in the UK
are a form of short-term, small amount consumer loans, where the loan
is intended to provide a financial bridge until your next payday from
These loans are not intended as financial solutions for the long-term, partly because they often carry very high borrowing costs, as measured by high annual percentage rates (APRs) of interest.
Even on the short term, you should consider alternatives to taking a cash advance loan, such as taking a salary advance from your employer or a cash advance from your credit card.
However, because payday lenders put a lot of emphasis on having a steady employment as a measure of your abilities to pay back the loan, but not as much on credit checks (even though the firm does a credit check on its customers), people with bad credit may qualify to get a payday advance.
There are some basic requirements that you must fulfill to be able to apply for a payday loan from the service, including:
You must be at least 18 years old,
You have to be employed,
You must have a valid UK bank account with a valid debit card,
Your salary must be paid into your bank account, and
You must be a UK resident.
When you've submitted your application, the firm does checks to verify the information, including a credit check on your credit record.
As an online payday advance company, much of the processing that happens once you submit your loan application is very quick.
You typically have the ability to get same day payments for an extra fee on approved loans, but the standard fund transfer period may take up to 3 days.
Cash advances should be used for short-term financial needs only, not as a long-term financial solution.
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