At one point or another during a lifetime, we could all benefit from a little help to get out of the odd scrape. It is pretty much unfeasible to expect a person to traverse the minefield of everyday life without occasionally encountering the odd hiccup or two.

As the saying goes, ‘To err is human…’ and so on. Sadly, to deny is also human, as pride and occasional stubbornness often take precedence over our better judgement. Subsequently, the ‘Oh well’ position is adopted with all its inherent consequences and unpleasantness.

Furthermore, those of us who are more than willing to put our hands up and cry for help in a time of crisis are prone to waiting until the very last second to do so, often when it is too late to avoid reaping the whirlwind, so to speak. This can be particularly harmful in the world of finance, as nipping a problem in the bud can be the best, if not the only way of avoiding exorbitant fees.

Can you be approved with a poor credit rating?

Payday loans for bad credit are the ideal solution for the more reluctant borrower or those seeking discretion, as the entire application process is carried out online without the need for awkward meetings, visits or phone-calls. Furthermore, any fears you may have about your imperfect credit score can be firmly put to one side, at least for now.

The purpose of the cash is irrelevant; quite frankly the valid reasons for a daily shortfall are infinite. As such, little is gained by badgering a borrower into admitting their particular blunder, therefore the matter is excluded entirely from the payday loan application process. Your past is, well, in the past, so as long as you tick all the boxes in the present, why should it matter?

So, in answer to the aforementioned question, there really is not right or wrong situation in which to ask for help, but there certainly is right time to do it…namely before it is too late! Suffering in silence is overrated, fruitless and really has no place in the 21^st Century.

Your Loan = Your Choice

The uses for the same day loan offered are of no significance to whether we approve your loan application. We have no preference what you spend the money on, our only preference is a same day service and that you repay the loan amount.

Fast decision

Life can throw up unforeseen events, emergency bills, and overdue fines or to simply get you cash before your next payday. Our role is to offer an answer to these problems. That is why we offer loans to be deposited on the same day.

The application happens totally online, this ensures the details of your request are processed as soon as we receive them. The automated computer service means that from the click of the application submit button we are processing your details. Because of the speed in which we handle requests, the funding happens as soon as one hour after you have been successful in your application, our system makes it easy to get your credit situation handled.

100% online application
100% no paperwork
100% upfront on the services we offer

When you need a friendly reliable source look to Simple Payday for fast approvals, you needn’t look any further than our one stop shop. Over the years we have helped countless people secure the a deal on a bad credit loan – without which they would have had no-one else to borrow from.

We like to say YES when others say NO

We offer emergency cash designed to be taken out over a short period of time – typically 31 days, although this can be extended.

The reasoning behind this is that this credit is meant to act as a cashed pay cheque before your actual wage day. This is at it’s most useful when no other type of financial assistance is forthcoming. The short term nature is because those we lend to are employed and do not require a large loan, they just so happen to of over-stretched themselves within a particular month. We do not have any pre-requisites to extending credit, including the reasons why? This is the reason we are often the answer when other lenders say no.

Surety for those in need

Just because our loans are for a short period of time does not mean that guidelines and codes of practices are not adhered to strictly. As such we are extremely pro-active in monitoring our customer services department for feedback and comments on the service provided. Our focus remains providing a complete provision for those that have been refused elsewhere, this is the core of our business, not only during the week, but also available for our weekend loans service. This is essential in retaining our place among the preferred payday lending services.

Of course we pride ourselves on the speed of processing loan enquiries – which, thanks to our computerised system, takes a matter of seconds for you to receive an instant decision.

As most of our clients have a poor/bad credit history this is not something that we take into consideration when assessing customers eligibility for a loan. We know that life has an uncanny knack for throwing testing circumstances at us, and that sometimes we lose track of certain finances and contractual obligations. This can then result in such actions as unpaid fines or CCJ’s. We understand all of this and endeavour to not judge borrowers on their previous financial history but the ability to repay the same day loan on the agreed date.

The criteria for applying is actually extremely straight-forward when compared to some other financial institutions requirements, that’s why we chose our name Simple Payday because we keep it as simple and easy as humanly possible, however, if you think there is a way that we can improve our service then please let us know.