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Payday loans can be a useful tool for borrowing a small amount of money for a short amount of time. When used correctly and with good intent, you can have a positive experience with a payday loan that will yield the results for which you set out. Although payday loans may sound appealing, the truth is that for years now, the payday loan has been the subject of various controversies. Payday loans, in fact, live in infamy for destroying people’s finances and launching them into a frightening amount of debt. Due to many borrowers misusing and misunderstanding payday loans, it is important as a potential customer that you know both the advantages and disadvantages to these types of loans.

Terms and conditions apply. All loans are subject to status, affordability and credit checks prior to approval. Applicants must be 18 or over. Short-term loan customers: Finance charge will be between £20 and £29.50 per £100 borrowed, depending on your credit score. PaydayLoansOnline4U customers: Interest accrues at a daily rate of .82%, which roughly equals 25% per month (£25 per £100 outstanding per month). †Loan/credit limit maximum of £1000 for first-time customers (£1500 for existing). Loan amounts and credit limits are based on a consumer's credit history and ability to repay in accordance with PaydayLoansOnline4U affordability policy. §If your bank does not support Faster Payments, funds will be sent to your account the same day as approval so long as you’re approved by 14:30. ¶Provisional loan decisions are subject to verification checks and may take up to 30 minutes in most cases. PaydayLoansOnline4U performs traditional credit checks and verifies applicant information via various national databases. Authorised and regulated by the Financial Conduct Authority. Authorisation can be checked on the Financial Service Register at www.fca.org.uk.