Frequently Asked Questions

What is payday loan?

A payday loan is a small, quick and short-term loan without collateral. Typically it’s repaid by next salary income.

How to apply?

Just click “Apply Now” or “Get Started” button. You will be redirected to application form. Fill in this form and you’ve done!

What are the requirements?

You must be adult UK resident with active bank account and employment.

How to receive the money?

You will get your funds to your active bank account with a debit card.

How much can I get?

You can get from £50 to £1000. In some cases you can apply up to £5000.

What is the term of the loan?

The loan term might be from 2 weeks to 12 months.

How it works?

Please read our article: How Do Payday Loans Work.

What is Crediteck?

We are the online service for matching potential borrowers and loan lenders. Please read this article: About Crediteck.

Are you lender?

No. We are not a lender or credit broker. We are just a website where you can search for a loan and be connected with potential lender.

What about privacy?

We don’t collect and don’t share any personal data. Also we use 256 bit SSL encryption and follow security best practices. Also please check these pages:

What is APR?

APR is abbreviation for “Annual Percentage Rate”. It may vary from lender to lender. Also it depends on loan term and amount. See APR calculation example below:
You borrow £250 for 90 days. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Fixed interest rate of 292% per year. 1272% APR Representative. You can calculate the rate and expenses using Payday Loan Calculator.

How to repay?

When it’s the due date (you can select it during application), the repayment will be taken from your bank account through the direct debit process. Also you can call and discuss other payment options with your lender.

What if I miss repayment?

Late repayment can cause you serious money problems. But we’re all people and lenders understand that you may face with any circumstances. So you just need to contact your lender and discuss the issue. There may be alternative ways of repayment and it would be very helpful.

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