Borrow responsibly through Cash-in-1-hour

We are proud to be a responsible payday loans broker, and work hard to maintain that reputation. We always work towards these aims:

• We will not encourage anybody to take out a payday loan if we have reason to believe that it would cause them financial hardship.
• We will not deliberately target anyone with advertising who is not yet 18, unemployed or financially vulnerable.
• We will not try to convince anyone to take out a loan that they cannot afford to repay, or make any misleading statements about how much a payday loan costs.
• We will not charge you any application fees. Applying with us is completely free.

We will also:

• make sure that everything on the site gives a clear, full, understanding of how payday loans work, and will avoid anything that could be misleading
• always follow legal and ethical marketing practices.

These aims mean a lot to us and we’ll constantly work towards them. If you feel that we haven’t lived up to them, please let us know using our details on the “Contact Us” page.

Finding a payday loan safely

Payday loans are controversial partially because there are unscrupulous lenders and brokers out there. It’s important to know that the company you’re dealing with is contactable and accountable. Look for some real contact details like a phone number and physical address, as well as their licence number on either their home page or their ‘about us’ page.

Budgeting

It’s important to be sure you can afford to repay a payday loan before you take one out. If you can’t, then it can become a more expensive option. It’s definitely worth budgeting if you haven’t already. If you’ve not done it before, you’ll be able to find plenty of freely available budget advice, tools and information online. If you can’t afford a payday loan, we recommend that you don’t apply.

Missed payments

Repayments are made automatically, after they’ve been set up at the same time you agree to a loan. If you do not have the cash in your account when it’s due to be repaid, you could incur penalty fees. You will also probably need to repay the interest on the complete amount owed at that point and not just the original amount you borrowed. We strongly recommend that you repay in full and on time.

Rolling over payments

You may be able to avoid penalty charges by rolling over your loan. However, you will still probably need to repay further interest on the entire amount that you owe and not just the original amount you borrowed. If you feel you will not be able to repay the loan on time and in full, we recommend you do not apply.

Repeated loans

If you are taking out a large number of payday loans, or constantly repaying one and taking out another one, you may be misusing them – especially if they are for larger amounts each time. If this is the case, it may be worth your time to look at your budget as well as look online for some independent financial advice.

Short term loans

Payday loans are intended to be a short term solution to shorter term financial issues like emergencies or unexpected bills. They are not intended to be a regular part of your finances, or to cover household expenses on a regular basis. If you have long term debt issues, it is worth looking for independent financial advice.

Where to get advice

You shouldn’t need to pay for financial advice, as there is plenty freely available online and in person. To begin with, we suggest looking at the Citizens Advice Bureau , or the Government debt advice site You can also go to an independent debt advice charity. Be wary of anywhere that offers debt advice in return for up-front fees.