Banking & Finance

Fluctuations in business and finance are not a big deal, and it occurs usually suddenly. Whenever you are facing a sudden financial loss or seek for a loan to continue your business or expenses payday loan is the best option.

The payday loan is a short-term loan you will get to fulfill your short-time needs and then you have to pay back with interest depends on the borrowing amount and borrower’s income.

The payday loan is a great partner at the time of need. You can claim for short-term loans anytime from the bank or online. The minimum payday loan you can borrow starting from $30 and the maximum limit will depend upon the bank’s policies you are going with.

To claim for a short-term payday loan, you just search for a suitable new payday loan lender whose policies are suitable for you. You can choose to lend money from the lenders having a physical setup of a bank or also you can process completely online. After choosing a payday loan lender, post a request for a payday loan.

There are factors that measure your eligibility for a payday loan, the most important factor may affect your loan approval is your credit history. You must have a clear loan history to qualify for a payday loan from direct lenders.

When looking for the best payday loans in the UK then you have unlimited choices whether online or through a bank. Choose wisely one of the lenders that satisfy your needs on time.

Payday Loan Application Requirements

• Check your eligibility first, in the given chart.
• If eligible, post an application for a short-term loan

To apply for application, you need the following things;

• Full name
• Fathers Name
• National ID card number
• Email ID
• Contact details
• Active Bank account details

These details help your lender to contact with you after approval or rejection.

• Select loan amount

After these steps, you will get your loan amount into your active bank account. Always keep a deep check on interest charges with the loan amount and select those amount which is easy to repay.

Mr. Lender Payday Loan

Mr. Lender is one of the top payday loan providers in UK. They provide satisfactory loan amount to their clients since long and customers always prefer Mr. Lender when they are in need of financial assistance.

You can apply for short-term loan amount at Mr. Lender because of their quick customer support and 0% up-front fees or interest charges. Mr. Lender does not charge any additional amount or default charges. At Mr. Lender you can apply for £200-£1000 up to 6 months returning policy.

Mr. Lender offers high payday loans amounts for their regular customers but if you are a new borrower than you will only claim for £500. Mr. Lender ranking as a high rated payday loan companies and won a customer champion award in 2018.

Mr. Lender is all about clarity and simplicity. You can get here simple, flexible and trusted short-term loans.

For Example: Borrow £200 loan amount for 6 months. The pay-back method will be off 1month-6month, it’s up to you whether you want to pay-back within 1 month, 2 months three or 6 months.

You will have to pay 0.80% interest per day. The total repayable amount will be £426.00. Per annum interest rate is 292% is fixed. 1256.4%APR is the representative rate of Mr. Lender.

LightFinance Payday Loan

LightFinance is a well-known UK’s payday loan Lender. LightFinance provides instant payday loan services completely online. LightFinance limit your search of payday loan lenders by providing all in one finance services. If you are facing financial difficulty, and in need of instant payday loan approval then come to LightFinance.

You can claim for short-term loans from LightFinance in just a few steps and get loan amount landed into your active bank account. The leading feature of LightFinance payday loan lenders is that they do not bother your payday loan history and credit checks.

You can borrow £100 – £5,000. Interest rates or default charges are negligible as compared to other lenders in the market. The acceptance rate at LightFinance is higher and fast.

Fill up your application form and get a payday loan within 15 minutes. The application form contains personal information, work details, and bank account details. Consumer application is an online facility for payday loan borrowers.

If you will get £1200 for 18 months at £90.46 per month. Then a total repayable amount of £1,628.28 Interest: £428.28. The interest rate will be 49.9% pa. APR Variable Representative at LightFinance is 49.9%.

A short-term payday loan is the best choice for short time need but for those who are in long-term financial difficulty, a payday loan is not a suitable solution. When you are going with payday loan direct lenders, keep your credit clear each month.

Try to pay installment each month on time to avoid default charges or interest rates. Late payments for two months continually may cause financial complexities or also makes your credit worse to claim payday loan thereafter.

Methew Harbor

Matthew is a Co-Founder at BusinessFinanceArticles.org. Matthew was a floor manager at a local restaurant in Wales. He lost his job after the pandemic and took initiative to make a team and start the project.

TSB Platinum Credit Card reviews will help you to find out about the advantages and disadvantages of the Platinum Purchase Card credit card, its fee and charges and type of features that TSB consumers like?

TSB is one of the oldest and largest names in British banking, Founded in 1810 as the Trustee Savings Bank.

Whether you wish to buy a big ticket and increase the cost, transfer debt from another credit card or even you want to get rewards, such as Avios or Reward Points

TSB offer a variety of short-term borrowing choices. It offers every type of cards as balance transfer cards with interest-free periods of at least 2 years and purchase cards that with no interest on expenses for more than a year, there’s a capacity of every person.

The TSB Platinum Credit Card is a sensible deal for TSB current account holders. This card offers two deals as it offers 0% on purchases and balance transfer for 20 months and for 28 months.

The 1% balance transfer fee is refunded for transfers made within the first 90 days to TSB current account holders.

Though other credit cards possibly will offer longer 0% periods for purchases of a balance transfer, they usually charge a balance transfer and an annual fee

The TSB platinum balance transfer cards are the better option for you.

It offers 0% for 20 and 28 months on balance transfer, and a 0.25% balance transfer fee, for transfers, ended in the first 90 days.

TSB Platinum 28 Months Balance Transfer Card

This is TSB’s longest 0% interest period offer with balance transfer credit card. Now you can enjoy 28 months at 0% and a low fee of 0.5% on balance transfers that you made within the initial 90 days.

This credit card can be used at more than 35 million merchants and ATMs worldwide because it is operated by the Mastercard network.

With platinum 28-month balance transfer, you can get:

• 0% on purchases for 3 months
• On balances transferred, 0% interest for up to the first 28 months within the first 90 days
• During the first 90 days, 0.50% balance transfer fee

TSB Platinum 20 Month Purchase Card

This TSB credit card offers you the longest 0% on purchase offer. You can get the best with up to 20 months interest-free equally on purchases and balance transfers made in the first 90 days after opening an account.

With Platinum 20 Month Purchase Card you can get:

• For over 20 months on purchases, 0% interest
• On balances transferred within the first 90 days 0% interest for up to 20 months.

During the first 90 days, 2.95% balance transfer fee applies

Eligibility criteria, interest rate, fees, and charge are all same for both cards, only balance transfer fee is different. On TSB Platinum credit card for 20 months, 2.95% balance transfer fee applies during the first 90 days and on TSB Platinum Card for 28 months 0.5% balance transfer fee applies for first 90 days.

Interest is charged from the date of the transaction, but, you will not be charged interest on new purchases if you pay the full balance in time which is shown on your statement.

TSB Platinum Representative Example

If you are borrowing £1,200 over 12 months on purchase rate of 18.94%  p.a. (variable) and the Representative is 18.9% APR (variable).

Eligibility Criteria Applying for TSB Platinum Credit Card

To be eligible for TSB platinum card, you must be:

• A UK resident of 18 or over
• Have a normal and regular income
• Not be stated bankrupt

TSB Platinum Credit Card Advantages

• You may get 1% cashback with a TSB current account on the first eligible £500 spent every month.
• The balance transfer fee is 0.5% if you made within 90 days of opening the card. This amount s too low.
• You can manage this card online, via phone, or at some TSB branch.
• It can be used with both Apple Pay or by Google Pay.
• It is not accessible to clients with existing TSB credit cards.
• This credit card is designed for a reduction of interest payments and it doesn’t offer many rewards for spending.

TSB Platinum Credit Card Disadvantages

• You should have a Prime credit rating
• You want to borrow a minimum of £ 500
• You can not apply for this credit card if you are older than 18

TSB Platinum Credit Card Introductory Purchase Rate

• For up to the first 20 months 0%
• For up to the first 3 months 0%
• Introductory rates apply from the date of opening your account interest is typically charged from the date of the transaction, but, you are not going to be charged interest on new purchases only if you pay the full balance shown on your prior and present statement on time.

You must stay within your credit limit and make your payments on time each month if you want to stay eligible for promotional rates.

TSB Platinum Fees and Charges

TSB Platinum Credit Card Charges

TSB Platinum Additional Charges

There are fees and charges for some transactions, such as using your card abroad, withdrawing a cash, missing a monthly payment or going beyond your credit limit.

TSB Platinum overseas Fee and Charges

How to Apply for the TSB Platinum Card

If you want to apply for TSB Platinum card, go to tsb.co.uk/creditcards and just click on the “Go to Site” button and you’ll be driven to a safe application form.

The application will be completed within 15 minutes. Before applying, check your eligibility probability and have the information and documents that’ll be needed to make this process easy.

If you want to apply for this credit card, call to TSB credit card phone number: 0800 015 0022 OR Click their website: tsb.co.uk/creditcards  OR Visit your local branch.

TSB Platinum Credit Card Login

If you are new to TSB Internet Banking and don’t have an online account, it’s easy to register online. Just go to their official site and get registered.

For registration you must have:

• Savings or Current account, Credit card, Mortgage or another loan
• Current account if your age is 11 to 15
• Current or savings account if your age is 16 or 17
• Your bank account number and sort code
• Your present address in the UK
• Details of any balance that you wish to transfer

• If you are a joint cardholder, apply separately. 

BEWARE: Never log into Internet Banking if someone else has remote access to your computer.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

WageDay Advance, that is a British Lender affiliated with the United Kingdom Consumer Credit Association, offers payday loans to its inhabitants. The company is helping inhabitants since 2004, and it is one of the UK’s most thriving and well-liked online payday loan companies.

A payday loan is a short-term cash advance. The lender supposes the borrower to return borrowed profits and an interest charge on the date of lender’s next payday. WageDat is one of the quick providers providing fast cash solution for people need quick cash and who are running out of cash at the end of the month.

Consumers who have unexpected emergencies can also use these loans for bill payments, vehicle maintenance, and home renewal. Moreover, the borrower can use these funds for vacations, savings, and shopping.

Payments can be postponed if your term is above one month, but you’ll still have to pay off the interest that you’ve taken that month which means with the passage of time your loan will be more costly as compared to initially plan.

Bad Credit is Fine

The main payday loan requirement is your salary. You must be in the same job for at least three months. Some lenders require that you must earn at least £1000 monthly. Unlike others, Wageday does not consider your credit rating. Even with the bad score – you have the possibility of getting your application approved.

WageDay Advance Login

If you are a job holder with a regular income, you are expected to get an approval for an instant loan. This choice isn’t accessible for loans above two or three months.

If you miss a monthly payment you will be charged a fee of £15, this charge applies only for once and only on loans that are over 4, 5 or 6 months.

In order to avoid this charge and for in time monthly payments, log in to your WageDay Advance management tool that will show you the details of the loan, and your repayment review. Through this tool, you can apply for a new loan if your original one if totally paid off.

Advantages

• You may be approved in 1 day
• You can get quick Money Instantly
• Incredible 99% Qualify Approval Rate
• Min Application criteria are very easy
• Cash Deposited in much less than 24 hours after applying
• No Fax and TeleTech is required
• It has no Credit rating Checks

You don’t need to worry about repayment or compensation until your salary arrives. Usually, your present payday loan isn’t a big problem as you’ve already handled your own expenses and you will pay it back it as soon as you get your current salary.

Login Requirements

Go to Wageday Advance official site where you will be guided all the requirements and procedure which you need for login.  if you are going to log in for the first time you have to enter the email address and password on the given online form.

You will need to have details of:

• Your home address
• Employment
• Your bank account

After login, you can:

• Check the real-time status of your present loan application
• Check the amount you are presently eligible for and the balance of any accessible loan
• Apply for a successive loan
• Request to update your private details
• Change your password
• Check your messages
• Upload documents

The applicant must have a UK bank account along with a debit card

If you have not taken a loan, open the New Loan tab and enter the loan amount, the number of repayments, next pay date, promotional code, overnight payment and submit.

After that, go to review payment details and check the repayment amounts, dates and review your personal details.

Then Select the reason for taking the loan and complete the process of loan affordability check.

Then click “Continue” to continue with your application, or “Change” to change the loan amount.

Electronically your contract will be accepted by entering the Contract Code that you will be found in the top right corner of your Loan Contract.

Enter it in the field and tick the tickbox then accept the Contract.

Note: The borrower has the freedom to spend the borrowed amount in any way.

Wageday Advance Amount

The company gives high-cost and short-term loans between £80 and £750 over one to six months. The approved amount depends on the income of the borrower.

If you are new customers, you can only borrow maximum £500, but if you can prove yourself to be reliable, you’ll be eligible to borrow the maximum amount after completing formal loan requirements. You can borrow a WageDayAdvance loan from 21 to 57 days.

Representative APR

WageDay Advance representative APR is 1281.8% that is quite standard in the high-cost short-term market.

Let’s see an example. If you lend between £160 over 29 days then, Representative example will be as follows:

If you borrow £160 over 29 days at an annual interest rate of 292.00% and Representative rate of 1,281.8% APR and, you will pay £244.80 1 monthly payment, the £37.12 will be the total charge for credit and £197.12 will be the total amount payable.

Features

• It has no charge for settling the loan early
• Frequent customers can borrow up to the payout
• The payout can occur in one hour

Payments

Approved people will receive their funds by BACS within three business days. If a borrower wants to receive funding faster, he or she will have to pay an additional charge of £15 so that he/she can receive the amount on the same day.

Applying Criteria

If you want to borrow WageDay Advance you must:

• Be aged 18 or over
• Be a UK resident
• Need to be in employment
• Must have a bank account and debit card
• Need to have the salary to be paid into your bank account

WageDayAdvance does not administrate the usage of the proceeds.

Fees

• The arrangement fee is £0
• Late payment fee is £15
• Maximum APR is 1281.8%
• Early repayment fee is £0

WageDayAdvance has a fee of £29 for every £100 it lends.

WageDay Loans Details

• Loan calculator is available for you to check how much you’d like to borrow and how much your repayments are, so you can evaluate the amount affordable for you.
• In case you’re a returning customer, log into your Online Account and see your tailored loan options there.
• An individual can borrow up to £2,000 and pay back the loan over 1 to 12 months.
• You can choose the right choice and amount for you.
• A new customer is eligible to borrow up to £500 above 1 to 3 months or up to £750 for 4 to 6 months.
• If you are a frequent customer, you can borrow up to £2000 over terms up to 12 months.
• Bigger loan values are only accessible for longer terms.
• All Advance loans are clear with the details of how much you have to repay and when are your payments due.
• A £15 charge is payable as the late payment on our 1 to 3-month loans.

Bottom Line

Regardless of the Wageday Advance quite expensive representative APR, customers like it and it has a large number of positive reviews from their customers.

These loans offer their customers a collection of straight and sober features and repayment options, but if you research the market you can find better and cheaper options for you.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

A payday loan is a little amount of money that is borrowed by an employee from an employer or the bank.  This amount is paid back with higher interest rates. These loans are offered to those who can pay it back on earning their instant salary.

This is the easiest borrowing service to qualify for. Almost all consumers who have a  source of income will qualify, so if you are a potential customer, we recommend you to read the payday loan benefits and decide if this suitable service works for you or not.

Payday Loans are quick, easy and straight-forward

Benefits of Payday Loans

Easy to Obtain

Payday loans do not need a credit check to have credit cards access. If you are an 18 year UK citizens, with a monthly salary, having a driving license and access to a savings account, you are eligible for a payday loan. It is Wild and suitable.

Easy Access

The payday loan is easily accessed because it does not take the long process. You are only required to give the related information & documents requirement by loan lender and the money will be transferred to your account within a few hours.

These loans provide the ease of applying online and cancelling out the irritations of filling out all of the paperwork that comes with old-style loans.

After submitting your request through the top lender’s website, you will be permitted shortly after and the funds will be deposited into your account within minimum hours or days.

Credit Rating Protection

Payday loans do not need a credit report. Most of them can give you no credit check loan, If your credit has been damaged or you haven’t recognized a credit rating yet, your suitability for a payday loan will not be affected. Still, can apply for a loan with bad credit. Payday loans may save you money.

Moreover, covering your bills with a short-term loan may permit you to sidestep charges for things like bounced checks, bank overdrafts, and credit card fees. Payday loans can protect your credit rating.

When you gross a payday loan to tide you over for a few days and help you meet your financial compulsions, you can skip a mark beside your credit rating. Payday loans allow you to be sovereign.

It may take particular hours for a lender to transfer the funds but you can get the loan funds on the same day or on the following working day.

Some New Payday Loan Lenders transfer funds within an hour if you provide the obligatory details fast.

A large number of lenders in the market push others to offer quick services to remain competitive.

Convenience

All the processes and interactions involved when applying for a payday loan are conducted online. Simply it’s free from live meetings with lenders or office. You can send your application from your home or office.

Conventional loans and credit cards take a long time to process. You will wait for several weeks before you can access funds, which will not help when you have an emergency. In addition, you are not guaranteed that your request will be approved.

No Need to Provide Collateral Security

Payday loans don’t need collateral security. The interest rate is higher but there is no risk factor is involved in losing your house, vehicle or other assets at any point.

These loans deposited into bank account after approval.

Short Term Loans

These loans are short-term that last for two to three weeks, so they have no burden as other types of loans usually have. Payday loans are a reckless source of cash in a financial emergency.

If your car has broken down and you need an instant extra little help meeting the rent payment this month then a payday loan can provide the money you need, often within a matter of hours. The payday loans do not go above the amount that a borrower acquires as his salary.

QuickQuid reviews may be helpful in taking right decision

The borrowing is made on a short-term basis. These loans are also called cash advance loans. Usually, People who take payday loans are in financial difficulties such as medical bills, school exam fees, and domestic accidents that they can solve by having a quick loan.

These Financial emergencies are never planned for but when they happen, a payday loan is the best way of solving these troubles.

You can  lend anywhere from £100 to £750

Loan Amount Determined By Income

You will only have to find a percentage of your monthly income. So, if you want to lend more, you can’t get it and this works as a check on illogical borrowing.

Large Amounts Are Possible

Most of the payday lenders in UK will limit your loan to a definite amount. This may vary on the basis of the lender’s ability to face the loan and borrower’s ability to pay it back.

It makes your salary limited at first. But, if you pay your first loan on time, most of the lenders offer enhanced value on your succeeding loans.

Last Remedy/Option

You can always consider payday loans when all options are worn out. These loans are reliable and as the borrowing process is short and simple, you can have the cash in no time.

Bottom line

Short term loans are not appropriate for everyone so you have to consider taking a payday loan if you have no other way of accessing cash and can repay the loan and interest on time and before taking out a payday loan, do look to see an alternative based on your current situation.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

Same day loans are a small amount of money, given to people who need money urgently in emergency situations. These are quick loans as the client receives a lender’s decision in less than one hour just by filling an online loan application.

Because of high competition in the lending market, brand new payday loan lenders are coming in UK Market on a daily basis with outstanding services and lowest prices.

Why Would You Need an Urgent Cash Loan?

Current statistics show that fewer than half of the British Citizens have more than $1,000 in savings to face emergencies. When unexpected expenses arise, the impact may be serious. Financial crisis can shake the family budget and can take too much time to recover from.

Uses of Same Day Payday Loans

Though small loans are recommended only in critical cases they can be used for almost anything because most payday loan services don’t ask what you want the loan for.

The Best Uses

• Lost wages from an injury or illness
• Emergency travel expenses, like travelling to a seriously ill relative or for a funeral
• Expenses required for starting a new job
• Covering a paycheck gap
• Marriage, Christmas or birthday gifts for friends and family
• Paying a security deposit on a rental home or flat
• Sudden medical bills
• Paying a bill which is unexpectedly large; i.e.  A telephone bill that unexpectedly spikes up by a large amount
• Paying to shift to a new home
• Urgent car repairs

Loans are beneficial but don’t use them for

• Traveling for enjoyment and fun
• Home improvement
• Investment in a business
• Going to restaurants / to parties/entertainment
• Buying new kitchen supplies or gadgets
• New dresses / shoes / jewelry etc
• Unnecessary gifts
• Covering other debts
• Purchase of a car
• Any other things that might are unnecessary / not urgent now and might wait

Features and Benefits

• Same day loans need no hard credit check!
• A bad credit history doesn’t matter!
• Lower fees and good interest rate!
• These are unsecured cash loans!
• Less paperwork and faxing with many direct lenders!
• Funds can be accessed on the same day as your application.
• The payday loans online application process is secure and transparent.

The Requirements for Same Day Payday Loans

It is suggested to keep your necessary documents on hand before submitting an application. The faster you give any information to the lender, the faster you’ll acquire your loan!

General Requirements

• Be at least 18 years old
• Be employed or have a stable income of $1,000 per month
• Have an active account in a bank or credit union
• Have a valid phone number and email
• Note: Unemployed people can also apply.

Required Documents

• The direct lender, in certain circumstances, may ask for additional documents like:
• Proof of your address, That might be a phone utility or cable bill.
• Income proof
• Proof of your identity such as a driving license, passport, your social security ID

How to Get Same Day Payday Loan?

The next step would be to choose a direct payday loan lender in the UK and check eligibility requirements according to the terms and conditions offered by the lender.

Check the minimum and maximum loan amount offered by the lender, adjust your required amount, and always borrow an affordable loan that will never cause complexities.

Write Application

The first step to get loan is to write a request. Fill up the application form as clear as you are, Add your;

• First and Last Name
• Age
• Citizenship
• Bank account number
• Address
• Email Address
• Monthly Income
• How many payday loans you borrowed in past?

Check Approval

After submitting the application, for a while you will have to wait for the approval call. Once your application approved, the lender will call you for further process.

Select, Read & Sign

Before signing and confirmation let’s take a focused look at the

• Selected owned amount
• Interest rates related to this loan amount
• Repayment Schedule
• Repayment Due Date
• Default Charges
• Penalties in case you fail to repay on the due date

After considering all these points, sign the agreement. If the agreement contains any inappropriate content, don’t sign, because you are not bound to any of the legal policies before doing sign.

Thus, it is highly suggested to read carefully before signing loan agreement.

Receive Money

After the whole process, The lenders will take some time to patch with your active bank account. Once your account is determined, cash will be transferred directly into your bank. The loan quickly deposited into your active bank account.

Improving your finances depends on your planning and budgeting. Use instant loans efficiently and wisely. These loans are for short-term matters only and you have to find a long-term solution to your financial needs and problems.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

The marbles credit card is issued by NewDay Limited that is also the provider of aqua and opus credit cards. Marbles is a fundamental but strong credit-building card in the market for those who have limited or poor credit history. This helps you get your credit back on the path with free text alerts and a possible credit limit that increases every 4th month.

Marbles credit card can be perfect for young people, for self-employed, for students, and for those who have newly moved to the UK.

Interest rates are high, so you should try to pay the entire balance in time every month and should be under your credit limit to avoid large interest charges.

The representative APR is 34.9% (variable) and annual fees are zero, but you will have charged a fee of £12 in case of making a late payment or go over your limit. This credit card has up to £1,200 credit limit and you could receive an increase in every 4^th month.

The Marbles credit card gives limited rewards but you can be benefited by free SMS messages to stay on top of your account. A UK customer helpline and online account management are also available.

Credit limit £250 – £1,250

Purchase rate: 34.9%

The Representative Examples of Marbles Credit Card

1. Representative 34.9% APR variable and the standard interest rate on purchases is 34.95% p. a (variable), so when borrowing £300 the representative APR will be 34.9% (variable).
2. if you Spend £1,200 and the purchase rate is 29.75% p.a. (variable), then the representative APR will be 29.7% APR (variable).

Marbles card is good for

• Those new to credit or with poor credit in the UK
• Free text reminders
• Increasing credit limit every 4^th month
• Possible grace periods if you go beyond the credit limit

Marbles card is bad for

• Those who want a low-interest rate
• Those who carry a balance month to month
• Using overseas

Marbles Credit Card Benefits & Features

Free SMS/text alerts

Free SMS/text alerts are available to help you administer your account. These alerts help you remember your paying date and staying under your credit limit. This feature is important for those people who are trying to built or improve their credit rating.

Marbles Grace Period on Over Limits

The Marbles credit card offers a grace period if you are overreaching your credit limit. This grace period depends on the judgment of the collection team and your credit history. This grace period is not always guaranteed.

For example, if you have a bad history of exceeding the credit limit and not paying on time each month, etc, you will most likely not be able to access a grace period.

By given a grace period you have a chance to bring back your account within 48 hours, under the credit limit to avoid the over limit fee. This will also save you from negative marking on your credit record.

This systems best works on Monday/Tuesday/Wednesday than other days of the week as money can’t be transferred over the weekend.

Eligibility Checker

You can use The Marbles’ FastCheck eligibility checker‘ before you apply, to see your chances of being accepted. FastCheck do a soft credit check, which doesn’t affect your credit rating. Eligibility checkers help you keep away from an unsuccessful application.

Credit Limit Increase

Marbles credit limit starts low as £100 to £250. You should make efforts to boost up a low credit limit. If your credit limit goes above £1,000 you will see a positive result on your credit score.

It will not be harmful if you send a manual request to increase your credit limit every 4th month. It will not influence your credit score. Marbles will communicate your increasing limit to credit agencies.

This credit increase is not beneficial for all cardholders as research by FCA shows, it pays a negative effect on some customers’ credit history.

Marbles Credit Card Activation

Your credit card will be activated within minutes through our automates services by calling the card activation service on 0800 328 2523.

Remember to sign your Credit card with your signature immediately.

Marbles vs Vanquis Classic

The Vanquis is a well admired UK credit builder. Vanquis Credit Card reviews tell that it is popular among applicants who have no credit history, poor credit history, or are unemployed.

Vanquis Initial credit limits are between £150 and £1,000, which are too low and representative APR is 39.9%. Applicants can have pre-application eligibility checker to check their possibility of being accepted before applying.

Quick Takeout

The Vanquis is best for those who have the ability to pay off their whole balance in time each month to evade the interest charges because its Representative APR is high. If you have not good credit history and not eligible for Marbles credit card, it is better to try the pre-application check by the Vanquis Classic Credit Card.

Marbles vs Aqua Rewards

Aqua Credit Card is the best traveling card that gives you rewards even as improving your credit. On spending, you earn Cashback at a rate of 0.5%, and the credit card will not charge any foreign transaction fees.

Quick Takeout

The Aqua Rewards card is accompanied with two great bonuses for credit builders: it charges no FX fees and 0.5% cashback rate and rewards are also given; whereas, Marbles is a valid card for building a good credit record.

Bottom Line

Customers can utilize the Marbles card, like other credit-builder cards, to built and increase their credit history over time. You have to stay in the credit limit, always pay in time, and should do the efforts to increase the credit limit over £1,000.

Because the 34.9%APR interest rate that is higher-than-average, it is recommended trying to pay down your full balance every month so that you can avoid high-interest charges and developing an unrelenting debt crisis.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

Halifax is one of the top banks in the UK and it is a division of Bank of Scotland, which is a subordinate of Lloyd’s Banking Group. Halifax offers a variety of credit cards that are designed according to individual needs. Whether you’re looking for a balance transfer or an interest-free contract on purchases, Halifax Clarity fulfills your needs.

These are provided under the MasterCard, so your card may be used in around million locations worldwide. It also offers student credit cards, long-term, low-rate credit cards, and cards for overseas use with a low-interest rate.

Interest rates vary across the range of Halifax Credit Cards, and the rate you will be offered will depend on your individual circumstances.

Entirely synchronized by the Financial Conduct Authority (FCA).

Clarity Credit Card arrives with straight benefits and is free from fees. With a low cash APR and no FX fees, it can be a rocking choice while traveling.

Halifax Card Overview

Are good for:

• Using overseas
• Paying no fees on FX transactions and cash withdrawals
• Paying a little cash APR
• Reducing interest charges on existing credit card debt
• Reducing interest charges on purchases
• Checking your chances of acceptance before applying

Are bad for:

• Those who want an interest grace period for cash withdrawals
• Individuals, who, for a balance transfer, are looking for a 0% promotional period.
• It is bad for those who need to move accessible balances from another Halifax credit card

The Halifax Clarity Credit Card is amongst the best travel credit cards for using overseas because it charges no FX fees and it is appropriate non-Sterling buys made abroad.

As it’s good to avert withdrawing cash because of the expense, charges relatively low-interest rates on cash withdrawals for any inevitable withdrawals. You should try to pay back any withdrawals right away because cash withdrawals start accruing interest charges at once.

Clarity Card charges the same rate for cash withdrawals as it does for purchases.

18.9% Representative

Purchase rate 18.95%

Example: The standard interest rate is 18.95% p.a. on purchases, so if you borrow £1,200,  the Representative APR will be 18.9% (variable).

Halifax Benefits & Features

Eligibility Criteria Applying for Halifax Credit Card

Before applying, keep it in mind that:

• You should be aged 18 or over
• You should be a UK resident
• You must be employed and have a regular income
• No bankruptcy, No CCJs or IVA

Fees

For a cash withdrawal in a foreign currency cash transaction fee and a non-Sterling transaction fee of 12£ will be applied

Halifax Compared to Aqua

For those who are trying to rebuild a strong credit rating to travel abroad and to get rewards, the Aqua Rewards Credit Card is the best choice.

For those who have strong credit, the Halifax Clarity card is a stronger competitor as a travel card because it doesn’t charge a fee on sports and ATM withdrawals and has noticeably lower interest rates.

Clarity VS Creation Everyday

The Creation Everyday Credit Card is one of the best no-fee travel cards, as it doesn’t have any FX fees on transactions and cash withdrawals made in foreign currency.

Even when you are away, with the majority of cards, you’ll get the chance to save money by receiving online to pay back any cash withdrawals as soon as possible. With the Creation Credit Card, most of travelers will save on overseas transactions

Halifax Credit Card Contact Number

If you want additional information about Halifax Clarity Credit Card, you can contact through this address:

 Lloyds Banking Group PLC, Credit Card Operations, BX1 1LT.

If you are calling from outside the UK for customer service call us on +44 (0)01733 573 189 and for the UK use 

0345 944 4555.  For the replacement card or PIN use  Halifax Mobile Banking app.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

Payday Loan is offered by a number of direct and third-party lenders. Different lenders have different lending requirements. First, choose the best lender that suits your needs.

How to Choose Lender

You should look for

• A direct lender
• FCA authorisation
• A secure website
• A comparatively low APR and interest rate
• A registered British address
• Good Customer Service

There are some of the requirements every lender consider before giving a loan amount to anyone. After completing them, you are free to take loan approval.

Lending Requirements

Requirements are considered as some security measures taken by lenders to secure their given loan amount. You will have to fulfil these requirements to avail of payday loan services.

Applying for a payday loan you should:

• Have a good credit history
• Have Regular job
• Have monthly minimum income no less than £333.50
• Be aged 18
• Be a UK resident and employee
• Have a valid bank account

Credit History

There are thousands of people apply on a daily basis. Thousands of people having thousands of credit histories. The most important requirement of every lender is credit history that must be clear.

Credit history usually shows your worth to fulfil policies in future. If your history is clear, the lender will easily approve your application and lend your required amount of loan within the time.

On the other hand, if your credit history is not satisfactory and shows bad status, then it would be difficult to get approved. To take out a payday loan without any difficulty start making your credit history fine and clear.

Work Status

What matters most is your work status. Work status is basically an indirect measure to estimate your worth. Your repaying capacity is shown by this. The more your monthly income would be, the more you will have chances of approval. Your minimum monthly income must not be less than £333.50

While adding your work information, be true with the lender because it will directly affect in future. Sometimes people add wrong work status, but they don’t know how lenders treat with different customers.

18 Years of Age

Applicant must be 18 or over 18 years as while borrowing the payday loan, you will be entering in a legal agreement and this process needs legal interference. You will have to be mature enough to agree upon repayment contract and other terms and conditions according to lenders’ requirements.

Permanent UK Citizen

Applicant must be a permanent UK citizen, otherwise, he will not be eligible for the payday loan. Most of the UK lenders require permanent citizenship. The people outside the UK have a different applying process.

Current Active Account

They also require a currently active account of the applicant because they instantly transfer loan amount in your bank account after approval. This is to avoid complexity. If you have an active bank account, you’ll receive the required loan amount within seconds. This security measure is especially taken to make your repayment schedule easy and fast. You will make repayments on time each month and avoid extra default charges.

Bottom Line

No doubt, life is a continues journey where one can face various ups and downs. Sometimes people face sudden financial loss and seeking for some support to maintain their routine. And this is not a bad thing as well.

Lenders always warmly welcome their customers to avail and enjoy their loan services, but customers also have the responsibility to repay the loan amount on time including interest rates.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger