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Do you offer no credit check loans?In truth, no reputable online payday lender can offer you a loan without checking your credit profile to determine if you're eligible. This would be a huge mistake on the part of the lender. The direct lenders we're partnered with initially perform what is called a soft check which means they can request the desired info to determine eligibility but no lasting footprint is left on your record at this stage and your score is not negatively affected. If however, you choose to accept the loan offer presented to you, a full credit check will be performed.
I have bad credit, can I still apply?Yes, we're partnered with many UK based payday loan companies who specially cater for customers with bad or poor or even no credit history whatsoever. Obviously the amount the lender is willing to offer you may be significantly less than the amount you requested if you do have a bad credit history but applying is free so it's worth finding out.
Will I receive my money instantly?Once you have been accepted for a payday loan the offer (amount and repayment terms) will be presented to you. Should you accept these terms the loan will be transferred directly to the bank account you specified during the application process. Transfers typically take around 15 minutes from you accepting the offer to arriving in your bank. However, each bank has different policies with regards to transfer times so you should always allow adequate time.
What are Payday Loans?Payday loans, as the name suggests are short term loans designed to cover emergency expenses whilst you're waiting for your next pay day or pay check to clear. They may also be referred to as short term loans or payday cash advances but they're essentially the same thing.
What are your opening hours?We're a 100% web based online payday loan broker so we don't have fixed working hours. You can make use of our service 24 hours a day, 7 days a week, 365 days per year. Keep in mind though that some lenders will process your application manually so outside of business hours and bank holidays you may need to wait long for the funds to arrive in your bank account.
How much can I borrow?The lenders we're partnered with offer short term payday loans, for any purpose up to the maximum of £2,500. The amount you can borrow will be decided by the lender themselves based on the criteria you enter during the application process. All of the lenders we're partnered with are considered responsible lenders meaning they will not loan you amounts which they feel you'll be unable to pay back.
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First and foremost, Omacl is not a lender. We're a payday loan broker meaning we do not lend you money directly. Instead, we offer a referral service where we use our in house technology to match you with a real world, UK based lender. Our software takes the information you enter into our application form, determines your eligibility and matches you to lenders who meet your criteria. Should you be accepted, you'll then be presented with an instant on screen loan offer..
In our opinion, brokerage companies such as ours are better for the consumer as the chance of matching you with a lender who can actually cater for your needs and offer a loan for the amount you desire is much higher than it would be if you simply went direct to a well known lender. With our service, your details may be sent to 20+ payday loan companies seamlessly meaning the chance of you getting accepted is high.
A quick loan is simply a loan that you will receive quickly. Some loans such as personal loans take days to sort out. Back and forth paperwork signing, detailed eligibility checks and slow processing means that you could ultimately be waiting a week or more to get your hands on the money. Quick loans however are loans such as payday loans or short term loans which are sent to your bank account almost instantly, usually within the hours.
Our system will match the loan amount you require to a lender who is willing to lend you that amount of money based on what you include in your application form. That is the long and short of it. It's an entirely automatic process meaning you just have to fill in the one, single application form and our software will automatically do the rest. A typical loan application from filling in the form to being presented with a loan offer takes around 5 minutes.
To use our payday loan matching system you must be at least 18 years old and be a permanent resident of the United Kingdom. You must have a valid mobile phone number and email address also as these will be used to confirm your details and confirm your acceptance of the loan agreement (should you be offered a loan). You will also need to hold and maintain a UK bank account as this is where your loan funds will be sent and also where your repayments will be taken from. You must also be in regular employment.
The repayment terms and structure will differ based on the lender you're matched with, the loan amount and the terms of the agreement you've specifically requested during the application process. The date and amounts of the specific repayments will be clearly laid out in the loan agreement. All repayments on all loans are taken automatically debited from your bank account using a processed call the continuous payment authority meaning you will not need to manually make payments each month.
Borrow up to £2,500 Fast Cash Transfer Cash for Any Purpose Top UK Payday Lenders 24/7/365 Service Quick Application Form On Screen Decision Cash to Your Bank No Hidden Fees or Charges 3 Month Loans No Obligation Quotes Bad Credit Possible No Paperwork Secure SSL Technology 100% UK Service
