Warning: Late repayment can causes you serious money problems. For help go to moneyadviceservice.org.uk

Online Loans

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How much do you need?

Representative 305.9% APR. Representative Example: Loan Amount - £400 | Borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly installments of £187.31.
Interest charged is £161.92, interest rate 161.9% pa (variable)

Why People Choose Us

You might be surprised to hear just how easy it is to apply for a short term or personal loan. Furthermore, you don’t even have to leave your chair to apply for it. Instead, you just simply fill out our very short form and if you are accepted by a lender you’ll get your loan by the next day.

When is a CCJ Payday Loan the Right Decision?

There are countless people in the UK who are caught up with different debt problems and one of the most adverse issues that a person can experience is the County Court Judgement or CCJ. Securing a loan when you have CCJ in your credit report is almost impossible with a bank or traditional financing institution. Luckily, there are still lenders that people with such a record can turn to in times of financial emergencies. Now if you want to take out a quick loan, you can consider CCJ payday loans to give you that much needed instant financial relief.

Loans for people with CCJ

If you have a CCJ in your credit profile, this means that you defaulted on a loan before. The lender then tried to collect the money that you owe them through a court order or a CCJ. So you can take out a loan when you have a CCJ, you will need to rely on non-traditional lenders. There are companies who specialize purely on providing loans to people with adverse credit ratings and because of the risk associated with their borrowers, they often put hefty interest rates on their loan services.

Bank loans, for instance, have APRs that hover around 17% while those loans with CCJ’s have APR’s around 40% – 50%. But because payday loans are offered in small amounts, the total payment that you pay in interest rates are actually not that large. They are also offered in short periods of time which means that you will need to make just 2 or 3 payments to pay off your entire loan.

CCJ Payday loans for Emergency Situations

While taking out the loan is relatively quick and easy, you will still need to show lenders that you have the ability to make the proper repayments. If your income checks affordability, your chances of getting approved are high even if you have a CCJ. This makes the loan a great solution if you need funding right away and have been rejected by banks and other traditional lenders. This is because lenders providing CCJ payday loans are more interested in whether you can pay off the loan rather than your past history.

Perfect for small amounts

Obtaining small amounts of money without delay is not always a walk in the park. Banks are willing to provide large loans, sometimes more than what you need, rather than a few hundred pounds. They may also offer you a large loan only if you secure an asset like your home against it. Some of the advantages of payday loans include:

  1. Basic requirements – You only need to be at least 18 years of age, a legal resident of the UK, have a bank account, and possess an income that can afford the small loan.
  2. Instant Payouts – Once you are approved, the money that you availed for will be deposited into your bank account in the same day you made your application.
  3. Unsecured and can be used for any purpose – CCJ payday loans do not require any form of collateral whatsoever and you can use the loan amount in any way you see fit.