3 Month Lenders +

Remedy Loans @ www.remedyloans.co.uk

Remedy Loans (RemedyLoans) is a brand of Click4profit Ltd that launched recently in 2012 at www.remedyloans.co.uk. This direct lender that is based in Bournemouth caters 6 month payday loans of amounts between £100 and £600 when you are new to them, but a possible £1000 is available to all existing customers. When it comes to the costs, they just provide a single example that is headed at 30% monthly. A sample £200 over the 6 month term has a repayable sum of £455.04 (£255.04 charge). Per £100 this would equate to a repayment of £227.52 (£127.52 charge). This monthly rate is close to 20% and so their 30% rate is being taken from a reducing balance. Optional same day funding comes at £15.

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True Blue Loans @ www.trueblueloans.co.uk

True Blue Loans is a new lender for 2013 that operates at www.trueblueloans.co.uk. True Blue is a brand from Fidelity Works Ltd that I believe is their only product on the market at this time with this company being located in Haverhill. The True Blue loans are available over 3, 6 or 9 months. New customers can apply for £100 to £400, but once you have borrowed from them you may be able to receive their top figure that stands at £750. There is no fast transfer fee in place here and so you will just have to factor the interest charge. Per £100 borrowed, this would be £62.87 over 3 months, £122.22 over 6 months or £190.35 over 9 months.

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Lend UK @ www.lenduk.com

Lend UK (LendUK) is a brand from United Kash Ltd that offers instalment loans through www.lenduk.com that was launched in 2010. These instalment loans are taken over 4, 6 or 12 months based on the level of cash borrowed. Although they reference the starting sum of £80, the quote form displays terms set as: £100 to £200 (4 months), £200 to £500 (6 months) or £500 to £1000 (12 months). £100 to £500 will be first time customer restrictions with sums above this being for return customers. With Lend UK, a £200 loan over 6 months would require a full repayment of £432 (£232 charge). A free same day transfer is provided, but be aware that this needs to be authorised by them between Monday and Thursday before 7pm.

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Varooma @ www.varooma.com

Varooma is a logbook lender based in London with this being a brand from GreenLight Credit Ltd. They operate from www.varooma.com and look to have launched back in late 2011. Once you reach the Varooma loans site you will that it is very easy to check out the sample costs due to their attached loan calculator. From studying some prices, there does appear to be variable rates based on the term duration. The main example displays a £1000 loan over 12 months that would cost £668 that stands as the UK's cheapest logbook rate. This sample rate is headed at 178.2% APR. £500 to £5000 is displayed on their calculator, but they do state that £50,000 is a possible sum. The term range stretches from between 3 to 24 months.

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Easy Logbook Loans @ www.easylogbookloans.tv

Easy Logbook Loans (or EasyLogbookLoans) is a logbook loan lender that can be reached today at www.easylogbookloans.tv that was devised back in 2011. This brand doesn't carry much popularity on the web at this time, but they have started to grab the headlines for their cheap logbook loan costs. Their loans can range from £500 to £15,000 and can be taken between 1 month and 24 months. Many logbook lenders tend to hide their costs, but it was good to see that there was a calculator provided on their homepage. To provide a cost breakdown, a £1000 loan over 12 months would cost £959.96 and a £1000 loan over 18 months would cost £1440.08. Their actual rate in place stands at 258.2% APR.

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London Mutual Credit Union @ www.creditunion.co.uk

London Mutual Credit Union (LMCU) was established in 1982 and was previously known as the Southwark Credit Union and is fortunate to run the www.creditunion.co.uk domain today. This trade union serves members who live or work in the London Boroughs of Lambeth, Southwark or Westminster. They have 4 branches that includes Bermondsey, Brixton, Camberwell and Peckham. There is also a note that back in September 2011 they had around 14,500 members and so I am sure that this number has continued to grow. When it comes to the London Mutual Credit Union loans, I was impressed to see a designated payday loan section that redirected to www.cuok.co.uk. The CUOK loan will cost 2% per month (26.8% APR) and so you would pay a charge of £2 per £100.

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Sheffield Credit Union @ www.sheffieldcreditunion.com

You can reach the Sheffield Credit Union at www.sheffieldcreditunion.com that was devised recently in late 2010. The Sheffield Credit Union loans are available to those that live or work in Sheffield. They headline a range of products whereby the competitive rates are available to their loyal members. They start with the Bronze Loan that has the standard 26.8% rate with this product requiring you to join and begin saving with them. The Gold Loan sits between 12.68% and 26.8% APR and is available to members who have saved regular amounts for a minimum of 3 months. The Loyalty Loan moves between 9% and 12.68% APR. To qualify for this top product you must have paid off 3 Gold loans and have been a member for more than 3 years.

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Bristol Credit Union @ www.bristolcreditunion.org

Bristol Credit Union (BCU) can be reached at www.bristolcreditunion.org that was setup in the year 2006. When checking this site the unique theme in place was notable, since many trade unions tend to use the same generic theme (often filled with similar generic text). On their loans page you will see the Standard Loan and the Homeowner Advantage Loan. The Standard product notes cash sums between £100 and £10,000, but there are no further details. On their loan calculator page, this product states a rate of 24% APR up to £2000 with the highest sums having a 10.43% APR rate. Most trade unions tend to start with the maximum legal APR restriction at 26.8% APR and so it is good to see this cheaper rate in place.

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Loans 2 Go @ www.loans2go.co.uk

Loans 2 Go (Loans2Go) is a logbook loan lender that can be reached at www.loans2go.co.uk that was initially devised back in the year 2000. Another trading site belonging to Loans 2 Go Ltd is www.logbookloans2go.co.uk. Although this is one of the less well known logbook lenders around, future growth is expected due to their recent TV ad campaign. From checking their site they actually have a large range of branches scattered across the UK (56 are noted). The headlined cash sums here range from £250 to £25,000 (cash restriction of £5000). They state that the usual terms are between 12 and 60 months, although there is a note that you can repay early at any time. They are currently a member of the CCTA trade association.

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Manchester Credit Union @ www.manchestercreditunion.co.uk

Manchester Credit Union can be reached at www.manchestercreditunion.co.uk that was devised back in 2006. They actually started out much earlier in 1991 initially as Beswick and Openshaw Credit Union and there was even a further name change to East Manchester Credit Union. This trade union currently serves those that live or work in Manchester and the coverage extends to High Peak, Rochdale, Tameside and Trafford. There are a few other credit unions operating across Manchester, but the one in question is the most popular. Once you have become a member of the Manchester Credit Union then you will qualify for their loans that can be applied for at one of their branches or you can apply via email that is available to those that are payroll deduction members.

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