Short Term Lenders

MiniCredit @ www.minicredit.co.uk

MiniCredit (Mini Credit) is a short term loan brand devised by MicroCredit Ltd that launched in 2008. They operate via www.minicredit.co.uk that has account management integrated and all applications taken use SSL encryption. For those that have not used this lender before, you will have access to anything between £100 and £400. They note that £1500 is a possible figure for those that regularly use them. It is always refreshing to see great flexibility on offer and this is certainly the case with this company that allows you to choose the loan term that can sit between 1 and 42 days. The interest sits at 1.3% per day that would equate to £9.10 per £100 if you were to take the loan for 7 days.

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TxtLoan @ www.txtloan.co.uk

TxtLoan (Txt Loan) is a popular short term lender that launched their impressive service at www.txtloan.co.uk in the year 2008. This London-based lender has over the years grown to become the most popular text lender in the UK via their instant text service that works extremely well, although their product does lacks the flexibility that you will find elsewhere on the market today. To explain this, this lender only offers funds for the set period of 15 days with no possible extensions to this. As a brand new customer you are also restricted to receive just £100, although once you repay funds with them then you will start to climb their trust ladder whereby a maximum figure of £500 will eventually be possible (each level rises by £100).

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Quid24 @ www.quid24.com

Quid24 (Quid 24) is a flexible text loan lender based in London that launched back in 2009 at www.quid24.com. When they first started trading they released set 7 day £100 text loans. They have now upgraded this to offer a much more flexibility loan service in recent times. The funds now range from £100 to £1000 (£300 new customers) with flexible terms sitting from 1 to 30 days. In regards to the charges in place here, the interest rate will always sit at just below 1% per day. To provide an example, for 7 days a £100 loan would cost £6.90 or for 30 days this same £100 loan would cost £29.59. Aside from this interest rate, you'll have to add on their fast transfer fee of £5.

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FLM Quick @ www.flmquick.co.uk

FLM Quick (FLMQuick) is a competitively priced loan service that was setup in 2008 that can be found at www.flmquick.co.uk. FLM Quick is a product from The Richmond Group who are most well known for their Amigo Loans brands that previously went under the name of FLM Loans. Alike with Amigo, FLM Quick requires the backing of a guarantor although the demands are less strict than they are with Amigo. You must find a guarantor that must be a UK resident of 18 years of age. They must have a good credit history, but there is no need for them to be a homeowner. It may be an obstacle for many to involve a third party, but if this can be done then you can enjoy one of the most competitively priced bad credit loans in the UK.

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Wonga @ www.wonga.com

Arriving on the scene in 2007, Wonga has today grown to become one of the most popular finance brands on the web. Their loan product at www.wonga.com was designed in a way to transform the traditional payday loan. Their flexible short term loan was the first of its kind. You can choose here the particular loan date that can range from just 1 day and 36 days. The loan amounts are also highly flexible starting at just £1 that moves up to £400 as a first time customer. An existing customer may qualify for the maximum sum of £1000. Getting their service out there early aided them greatly, but they do market themselves well offline, such as in their sponsorship with the football clubs (Blackpool, Hearts and Newcastle).

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Bonga Loans @ www.bongaloans.com

Bonga Loans (BongaLoans) arrived in 2011 and is a brand from BB Marketing Ltd. This London-based text loan lender operates via www.bongaloans.com that has already seen some upgrades in its early days. When they launched, you could at the time receive set loans of £100 with a set term of 7 days. This has changed now with a £100 loan still being available for 7 days. The change comes from them moving up in increments of £100 that goes up to a maximum of £1000. 14 day or 30 day terms are available for these higher figures. For the £100, the interest would stand for 7 days at £10, for 14 days at £14 or for 30 days at £20. It is unusual to see more competitive pricing as the terms increase.

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Peachy Loans @ www.peachy.co.uk

Peachy Loans (PeachyLoans) is an impressive flexible short term lender that arises from Cash On Go Ltd and is based in London. The owner (Kristjan Novitski) was one of the founders of TxtLoan that has of course been the big player in the local text loan niche. You can access Peachy Loans via www.peachy.co.uk with this brand springing up in the year 2011. What you will find in Peachy is an impressive flexible short term product. The sums up for grabs can range from £50 to £500. Each customer did have the ability to choose the particular loan term that ranged between 5 and 31 days. This has now been upgraded though stretching up to a maximum of 5 months (this maximum term requires amounts above £250).

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