Do i must spend such a thing throughout the application process?

You can select that loan quantity between Ј1,000 to Ј5,000 with 118 118 Money. These are short term loans with a range of trying to repay over year, eighteen months or two years. The option that is best will be different according to your own personal requirements and we also are far more than happy to talk about these choices to you.

Just how do I use?

We result in the application process as simple as possible for you personally, to help you apply online. This is certainly a process that is secure prevents you worrying all about lost application forms into the post, or your individual details sitting in someone’s office in-tray for several to see. Additionally means the application can be made by you in your time.

If you want any assistance through the online application procedure, the 118 118 cash Lending Team can be acquired 24/7on 08000 118 000/02920 893300.

Just What do i have to use?

You can find four primary parts to accomplish during the online application: information on the mortgage about you your income bank details.

The data we will ask you to answer for should include:

• cell phone number • e-mail address • Home address • work history • web month-to-month earnings • Outgoings • Bank details

How come you will need my banking account details?

We ask for the banking account details so that you can understand where you can deposit your loan, and where you should gather your monthly obligations by direct debit. Having this given information instantly dramatically speeds up the application form process and cuts administration time and expenses.

Are my private information and debit card details safe?

Relax knowing your data that are personal protected with us. We keep strict real, electronic, and procedural safeguards to help keep your information that is personal secure conformity with this online privacy policy.

No, you’ll be pleased to learn there aren’t any administration that is nasty application costs for 118 118 cash loans.

May I make an application for that loan and money that is receive the week-end?

Yes. The advantage of online applications is you are able to use at any time convenient for you. Our team processes applications and deliver funds 7 days a week. In the event the application is prepared and authorized later in the day, may very well not get funds before the day that is next.

My credit history isn’t great, am I able to still use?

Yes! Today, very few individuals have an amazing credit history then we can help if you can demonstrate stability and show that the monthly repayments are affordable.

Within the meantime, take a look at our top tips on enhancing your credit history.

Just how do I check my credit file?

You may get your credit file online from any certainly one of three credit guide agencies in the united kingdom given just below:

You should check your credit history as much as you want and it won’t influence your credit history or credit history. Some credit history organizations provide 30-day trials that are free read the termination terms or you might get stuck investing in a study you merely need certainly to check sporadically.

Exactly What paperwork shall i get before my loan contract?

Before sending you your agreement, we’ll send you pre-contractual information along with a conclusion sheet. This can offer you information that is important one to think about with regards to your loan ahead of signing your loan contract.

Will an answer is got by me right away when I apply online?

You’re not only a true number so our choice won’t be instant but we are going to come to a decision as fast as we are able to for you. Please make sure to complete the application that is entire and carefully browse the documents we email you.

How can you determine if my application is prosperous?

All of it boils down to your capability to settle the mortgage according to that which you inform us, exactly how well you’ve handled credit before, your profile that is financial exactly exactly what the credit reporting agencies inform us. It is in your interest that is best to perform the application form as accurately as you can.

We appreciate that perhaps maybe not people have actually an amazing credit rating but then we can help if you can demonstrate stability and show that the monthly repayments are affordable.

Will your choice be suffering from the things I utilize my loan for?

Not at all. We’re thinking about understanding why you might want that loan, you might use the cash nevertheless you desire.

How to check into the status of my application for the loan?

You are able to contact us whenever on 08000 118 000/02920 893300*.

If my application for the loan is refused, am I able to decide to try once again?

Yes. If the circumstances that are financial, we welcome you 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 e mail us before reapplying to talk about exactly how your needs have actually changed.

Exactly what do i actually do if I’m unhappy together with your loan decision?

You believe wasn’t taken into consideration at the time of your original application, please get in touch if you have any additional information. We’ll then review this information and inform you our choice.

If my application for the loan is accepted, could I alter my brain?

Of program – even with your loan is authorized, you’ll have actually week or two to withdraw from your own credit contract. Just allow us know – 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 to return not merely the income you’ve lent but in addition any interest that is daily has accrued.

Can we reduce steadily the loan quantity that i would like to borrow?

Yes, you are able to lower the loan quantity anytime throughout the application procedure, providing the loan hasn’t been deposited. Call us on 08000 118 000/02920 893300* if you’d like to help make any modifications to the job.

Just how long can it take until we get a 118 118 cash loan?

We seek to deposit money within twenty four hours 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 try to deposit the amount of money straight to your money as soon as we’ve finished the phone call, therefore make sure that your contact information are correct in the application!

Where am I able to get economic advice?

In the event that you look for further monetary advice then we recommend the financial obligation Counsellors Charitable Trust, cash information provider therefore the National Debt line.

(*08000 118 000 is clear of British landlines. Phone telephone Calls off their companies and mobiles can vary greatly. 02920 893300 is charged by the provider as being a british national quantity. )