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THE UK'S MOST ADVANCED WAY TO GET CREDIT, FAST

Using your free credit score to find willing lenders saves both time and money. Using givemecredit is free, quick and easy to use. Pick a lender, or choose to use your credit score to find cheap credit.

View your free credit score

IMPORTANT INFORMATION ABOUT SHORT TERM LOANS AND PAYDAY LOANS

Paying on time and in accordance with your credit agreement will help maintain and may even boost your credit score, and your future ability to get credit. But on the other hand, if you don't repay loans on time, lenders often automatically extend the term of the loan which will impact your credit score negatively and which will incur additional fees and interest.

If you don't pay in full, the lender may issue a default notice as the first step in collection action, then either take you to court for recovery of the money, or put the matter into the hands of debt collectors, all incurring more fees. So only take out loans you can comfortably afford to repay on time.

INFORMATION ABOUT THE RENEWAL OF PAYDAY LOANS

It may be possible to renew a payday loan and extend the terms but we would strongly advise against this. You should study the lender's terms carefully. It is likely that you will be charged fees and extra interest if you do renew or extend your loan. If you decide that you do wish to try and extend the term of your loan, you should contact your lender before they attempt to take payment.

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