# General

Compare Credit Cards for Bad Credit

This posting will compare credit cards for bad credit scores that will include all of the companies that have been introduced here in individual posts. This comparison will be split between 2 sections. This will include the credit card lenders such as Capital One and also the branded credit cards such as Luma where they have designed their own credit card, however Capital One will fund the cards. Obviously, if you already have a Capital One card then you wouldn't likely qualify at Luma. Some credit card lenders have a range of individual cards available (Barclaycard and Capital One for example does), but those selected today are the basic editions that naturally attract the highest interest rates. The upgraded options aren't catered since they require good, to excellent credit scores.

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Lending Stream Promo Code 2013

The Lending Stream ranked in the 6 month loan comparison posting as the cheapest lender that was achieved via the use of their discount code that reduced the fast transfer fee. Lending Stream offers a slow free transfer or an optional transfer via the Faster Payments Service at £15 that is discounted from the funds sent. The Lending Stream promo code 2013 will take away this £15 fee and allow you to receive same day funding with the only due costs then being the 30% interest that is taken monthly from the reducing balance. This code is most commonly searched for as the Lending Stream voucher code. The collective demand isn't significant, but it is an important code to cover since it ranked them as the cheapest 6 month lender.

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Peachy Loans Promo Code 2013

Peachy Loans ranked in the 2nd spot as the cheapest short term loan lender in the recent comparison posting made and so it has been important to cover the Peachy Loans promo code 2013 that discounts the fast transfer fee that is usually priced at £5 that I believe is usually reduced from the sent funds. Peachy only charges 1% per day interest and so you would for example only be required to pay £14 should you wish to borrow £100 over 14 days. Most of the high demand for payday loan promo codes is for QuickQuid and Wonga. The Peachy promo code isn't that popular at this time and not too many people may even also be aware of this impressive lender since they only launched in 2011.

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Compare the Top 10 Cheapest Short Term Loans

The previous comparison compiled a list of the top 10 cheapest payday loans that cater the full monthly period. This posting will focus on the top 10 cheapest short term loans. These short term loan lenders are those that provide flexible terms or set terms that are shorter than the monthly period. What was interesting with the findings here was that most of these lenders have similar interest charges in place (around 1% per day), but the difference is usually in the cost of the fast transfer fee. This fee is commonly added on to the overall charge, whereas the monthly lenders tend to discount it from the funds sent. Many of the attached companies have text loan features in place that will be expanded upon in a future posting.

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Compare the Top 10 Cheapest Payday Loans

The various comparison postings being posted here are carrying out the job of splitting up the lenders into individual groupings. It was initially a little more difficult to do this on this occasion with there being so many lenders within the Payday Lenders category. This section caters traditional payday loan lenders that cover the full monthly term. Alternatively, the Short Term Lender category covers lenders offering flexible terms (such as Wonga) or simply set shorter terms (such as MyJar). The only exception is Vivus since their 7 day rate isn't great, but their 30 days rate is much better. To pick out the top 10 cheapest payday loans, all lenders were scanned and those were marked with a complete charge of 30% or lower. Around 10 or so companies qualified at 30% or less that are each listed below.

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Compare 12 Month Payday Loans

There is a growing demand for 12 month payday loans, despite there being little supply at this time. There are many guarantor, doorstep and logbook lenders that cover 12 month loans for bad credit scores, but in keeping with the payday loan theme there are just two players lending at this time that includes Pounds to Pocket and Quid who have been compared within this posting. A traditional payday loan taken over a 12 month term that is rolled over would always work out very expensive. These 12 month payday loans covered today chop down these costs, but if you are looking for a competitively priced loan covering the full year then it would be recommended to take out a guarantor loan where the rates are much more lower.

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Compare 3 Month Payday Loans

3 month payday loans are becoming increasingly popular that shifts away from the traditional monthly setup. Rather than pay a hefty lump sum in one go, these extended terms will stretch out the repayments that should help customers to keep on top of their finances. The usual route has always been to rollover a loan that would commonly attract a further interest charge. Per £100 this would commonly be £30 for each new month. These newer 3 month payday loans work out much cheaper than taking extensions. Wizz Cash and Zebit for example provide around a 15% monthly rate that is essentially chopping the 30% rollover in half. Oakam even cuts down the charge to 12.5%. In comparison, the 6 month lenders tend to charge 20% each month.

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Compare 6 Month Payday Loans

Payday loans were traditionally designed to be taken over the full monthly period until that next pay check comes in. People can often run into problems this way when a large repayment is due that may lead to a chain of rollovers (or default). 6 month payday loans are an interesting alternative. An instalment 6 month payday loan spreads out the repayments that should devise a more manageable loan. Other than this, the lenders typically take a percentage of the monthly balance. This reduces the costs since the percentage is being taken from a decreasing balance. With rollovers, you would typically pay a charge of £30 (per £100) each month. The 30% of the balance figure that is shown below actually creates a 20% monthly rate (£20 per £100).

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Debt Line @ www.debt-line.net

Debt Line (DebtLine) is a recognisable debt management company since it was created by The Richmond Group who are one of the most successful financial companies catering the subprime market today. Debt Line operates from www.debt-line.net that was setup in 2006 and they are currently listed as being a trading name of RG Debt Management Services Ltd . They are still based in Bournemouth, but have separated from The Richmond Group after Milestone Capital came in to take a majority stake of the company. I assume that The Richmond Group would prefer not to be associated on the debt side of things, with lending being their primary market via Amigo Loans and FLM Quick. Debt Line has certainly been a great success and carries valued experience today.

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ClearDebt @ www.cleardebt.co.uk

ClearDebt (Clear Debt) is a debt management company that is based in Cheshire (Timperley) and they are currently active at www.cleardebt.co.uk. The main ClearDebt Group Plc company was founded in 2004 with ClearDebt Ltd following a year later in 2005. The domain was actually registered in the year 2000 though and so I would assume that they ran their alternative Abacus brand here since that was also launched in 2000. Their debt management plans are listed as being controlled by Abacus (Financial Consultants) Ltd whilst their optional IVA service is took forward by ClearDebt Ltd. Both such companies are part of ClearDebt Group Plc. To the charges for their DMP, they take the initial payment, 90% of the second and then 17.625% of all future repayments.

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