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Borrowing £0.00 + Interest & fees £0.00 = Total to repay £0.00

1737% APR

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Representative Loan Example

Borrow £180 for 28 days
Total amount payable - £225
Interest rate p.a. 1737% (variable)
Interest payable - £45

Corporative Information

Leadsor Limited

Reg. number: 07357963
Address: 180 Tottenham court road,
W1T 7PD, London, UK
Phone: +44 2032 395 770

Consumer Credit License: 0645111
Data Protection reg. number: Z2686967
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Responsible lending

Payday loans are really useful when have an emergency and you need these couple of hundred pounds and can’t wait for your salary. And we are helping people all over the UK to find the best payday loans available that would suit their financial needs. With all these advantages you still need to know that a payday loan is a financial commitment and thus you must consider carefully if you will be able to pay it back without too much strain on your budget. Below are some tips on borrowing smartly and responsibly.

Think about your income

Your monthly incomes are the first thing to take a look at before borrowing. Ask yourself the following questions regarding your incomes before taking a payday loan:

  • Do I have a regular source of income?
  • Is this income enough to pay back the sum I need to borrow as well as interest?
  • Will this income be available at the payback day?

Consider your expenses

Before making a decision about taking a payday loan take an hour or two to summarize how much you spend each month. This sum should include any expenditure you have during a typical monthly period. When calculating expenses a good idea is to use the “worst case scenario” - presume that your monthly expenditures will be at their max just when you need to repay the payday loan.

Now compare your expenditures and your incomes and answer the following questions:

  • Is the difference between my incomes and expenses positive?
  • Does the differences between my incomes and expensed allow me to pay back the loan?
  • Do I have the expenditures that I can avoid (non-critical expenses) in order to be able to pay back the loan?

If the answers to these questions are positive than taking a payday loan may be a good idea.

Consider your current financial commitments

Borrowing smart also means having a good idea about your ongoing financial commitments (credit, mortgage, credit card debt). Payday loan is also a financial commitment and adding another one if you can not handle those existing is not really a good idea. Thinking about commitments ask yourself the following questions:

  • Am I able to handle my current financial commitments from my personal incomes?
  • Will I be able to keep up with existing financial commitments after I pay back my payday loan?

Though if a payday loan allows you to avoid fines (such as late payment fees) which are bigger than the interest of a payday loan then this could be a helpful solution.

Take a look at the leverage you get

Payday loan is a good tool for financial emergencies but it does not really work as a source of money for everyday expenses. In other words it is a good idea to take a payday loan if you critically and urgently need to repair your laptop with an important data stored on its hard drive, but buying a new laptop just because you like the idea or feel like it is not a good reason for that.

Late payments implications

Considering a payday loan you need to understand the implications of failing to pay it back. You may incur additional charges if you fail to repay your loan on time. If you feel you may struggle with repayment please contact your lender as soon as possible to discuss your options.