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How Much Can I Borrow from US Financer Now?

For some people, the amount borrowed is the most important thing to consider when looking at taking out an online US Financer. With our lending options, you will be able to take out anywhere between £100 and £3,000 and choose from repaying upfront in one simple payment or up to as many as 12 instalment payments. Here at PDLN, you can get US Financer. anywhere between £100 and £5000 and pay your loan amount back over a period of 1 to 12 months. You are given absolute freedom and control when it comes to taking out an amount that perfectly suits you.

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Instant Loans UK

Do you need an instant loan? When you have a financial difficulty in our face paced world, you want to find a solution in minutes and resolve it in hours — not days. There are times when you need a US Financer as quick as possible. You have two options in this circumstance, you can find a brick and mortar location that offers US Financer on the corner of your local town, or you can apply online.

When you find a website offering to lend money “instantly”, you may be seeking one that can offer that. Keep in mind that there is a process that involves submitting an application. Every facility offering Us fast loan lenders must perform a credit check and other processing that may take some time. When you submit an application through us, we will get you a quick response to your inquiry.

Are We Direct Lenders of US Financer ?

Please note that we are not a direct lender, but we can help put you in touch with one quickly.


Quick Loans

Quick loans, also known as instant US Financer, are necessary when you are short on funds and need immediate cash to resolve a bill or other financial crisis. In these situations, often not taking care of your bill will cost far more money in the long run than the expense of borrowing in the UK. PDLN can assist you get the quick cash you need to resolve immediate bills.


Fast payout options:

We do not charge you for merely applying for a US Financer bad credit. As long as you are employed or receiving income, we can give you a quick decision on whether you qualify for a loan. Click the “apply” button above and select an amount you would like to borrow. Your application will be reviewed by lenders who are authorized to provide a loan to people living in the UK.


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What Can I Use The Funds For?

What Can I Use The Funds For?
Here we offer a word of caution to those wishing to get short term loans online. These are best suited for emergency and unexpected expenses. They are best at resolving things which are critical, such as repairing a vehicle you use to go to work and other types of bills which will only cause larger problems the longer they remain unpaid. A payday-loan is a short term remedy, do not consider using them if you believe you will be unable to handle the repayment on time as they can be quite costly.

No Credit Check Direct Lender
We are not a direct lender, but we can get you in touch with one quickly if you submit your application today. By law, all lending companies must perform a credit check before lending. This goes for all lenders operating in the UK. While this may seem unfortunate for those seeking to borrow but having a poor credit history, there are some companies which can help people who have low credit scores. Your best bet for a “no credit check lender” is to find a lender that caters for bad credit as all lenders have to credit search their applicants.

High Acceptance Lenders
Getting a-loan obviously isn’t guaranteed, I’m sure you can imagine a number of scenarios in which someone applying for one would be denied, whether being currently unemployed or having a current debt to borrowed amount ratio that suggests they would be unable to pay their bills. Although when you apply you are not guaranteed to be accepted, there are some high acceptance lenders, these lenders being ones that have a higher rate of accepting and reviewing applications

No BrokersThere are two types of methods from which you can seek to borrow online, one would be to use the service of a direct lender, and the other is using the services of a broker. Many people search for “US Financer no brokers” because they imagine costs or delay might be higher unless they use a direct lender.In the case of our company, we are not a direct lender but our service connects you to them. Please note, if you are currently struggling financially, and cannot afford to keep up to your current contractual repayments, taking out loans may not be the best solution to your problem. You may benefit from seeking advice or help from the Citizens Advice Bureau or Money Advice Service

Cheap Loans UK
All pay-day and short term lenders are capped at being able to charge no more than 0.8% per day. What this means is that although their APR ’s are different, they are calculated using different calculations using different term and amount values, they can only charge up to 0.8% per day. Submit your application for a paydayloan UK today and receive a quick decision on our acceptance including costs so you can get the cheapest loans.

Guaranteed PaydayLoans in the United Kingdom
Short term loans are not guaranteed. Even so, consider submitting your application, as we work with many high acceptance lenders who will be interested in reviewing your loan application.

No Credit Check
No credit check loans do not exist. Every loan you apply for the lender will check your credit score to assess your current financial situation and credit repayment history. There are some lenders that will lend money to people with a poor and bad credit however the risk is the lender may charge a higher interest rate to cover the risk of lending to a person with poor credit. The other option is to get a guarantor loan where the emphasis is on the customers ability to repay the loan instead of their credit score, this is because a guarantor is credit searched too to ensure they are able to repay the loan for you if you miss payments.

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Bad Credit Online Loans 101

If you are suffering from bad credit and you need a loan immediately, a bank loan is not an option that you can take. Having bad credit is somehow similar to a nonexistent credit history – you will find it challenging to obtain a loan traditional financial institutions. You should prepare yourself for rejection since typical banks and lenders will most likely turn you away once they see that you have imperfect credit.

The truth is there is no guaranteed way to get cash from traditional lenders. But a new breed of loan providers is penetrating the credit industry to provide more options to different kinds of borrowers.

Can A Borrower with Bad Credit Obtain a Loan?

First, let’s define what a bad credit loan is. Bad credit loans are short-term borrowings granted to people who have low credit scores. Different financial companies and organizations are offering bad credit loans such as credit unions, banks (rarely), and online loan providers.

All About Installment Loans, Payday Advances, and Credit Card Cash Advances

An installment loan is simply a loan that can be settled through a certain number of repayments. Payments are typically done every month. You can use an installment loan for a variety of purposes and the amount can be paid back from several months to a few years.

Because of its low-interest rates, an installment loan is a suitable option for people who want to buy high-ticket items. Installment loan amounts can be as much as $30,000!

You can obtain an installment loan at USFinancer.

Of course, lenders will have their criteria for granting credit. Online lenders have less stringent requirements to obtain an installment loan. To obtain a bad credit loan from an online lender, you must have:

  • An active bank (checking) account
  • Be gainfully employed and working at least 3 months with the same company
  • An idea of how your credit report looks like (online lenders only run soft credit checks)

If a lender offers you credit, review all the details but do not focus merely on the monthly payment of the installment loan.

When trying to apply for an installment loan, you should look at all the details and not just the amount you have to pay each month. In general, you should consider the loan’s annual percentage rate (APR), the monthly amortization, and the duration of the loan.

For example, if you opt for the longest term available for the loan, it will take more time to pay back your debt. It means you are going to pay additional interest for the rest of the loan term which makes the total loan amount more expensive.

Can I Get a Bad Credit Guaranteed Fast Loan?

An installment loan is great when you want to purchase an expensive item or service. Smaller purchases can be resolved by quick loans known as payday loans. A payday loan or also known as a payday advance is short-term financing that usually takes a week up to a month to settle. A single payment is required to settle a payday advance and the payment already includes the principal amount, fees, and, interest rates.

Short-term loans like payday loans have smaller loan amounts compared to installment loans which have longer terms. Loans with longer terms can be as much as $5,000. USFinancer has a network of trusted direct lenders who will assist you in obtaining a loan, whether installment or short-term.

Bad Credit Cash Loans with Short Terms

Online lenders specializing in short term loans also offer credit to borrowers with bad credit ratings. Many lenders will offer guaranteed cash but the ease of acquiring such loans do come with a price. Short term bad credit financing typically have high-interest rates – the APR can reach 600%!

Another point that you must consider when getting a short-term loan for bad credit is the amount due which must be settled on your following payday. Another factor that you should consider is the rollover charge and fees – these are applied to your loan when you don’t pay your short-term loan on the due date. The sad reality is, some unscrupulous lenders will take it as an opportunity to squeeze out money from their helpless borrowers.

It is possible to roll over a loan to delay the full payment required from you but there are costs involved. The lender is not going to roll over your loan without any charges. If you think that you won’t be able to pay off the loan on your salary day, you should consider getting an installment loan instead of a payday cash advance. Installment loans have regular, fixed payments which could last from a few months to a few years.

Loans with Flexible Amortization Terms and Repayments

There are numerous loan providers out there who operate using fair lending practices. Yes, it is possible to find a lender who won’t pull a fast one on you through exorbitant charges. Some online lenders specialize in bad credit financing with flexible terms. It is highly recommended to work with a loan provider who offers installment loans among other types of personal loans. This way, you can choose to take out a loan depending on your budget and capacity to pay your dues each month.

What is a Bad Credit Guaranteed Credit Card Loan?

People like using their credit cards to purchase anything – anytime and anywhere. What people do not know is that using a credit card is similar to taking out a personal loan without any paperwork. People suffering from bad credit and cannot take out a loan will use their credit cards instead. Credit cards will cost less than high-interest payday loans, usually in the range of 12% to 20%, which depends on the credit card provider.

Credit cards can be categorized into two categories: secured and unsecured. A secured credit card allows you to use it almost anywhere in the world. Having a credit card means you are creditworthy. Before taking out any type of loan, you should learn about the benefits (and drawbacks) of credit cards unless you’re looking to get a longer-term loan.

One of the advantages of credit cards versus payday loans is that you can evade interest fees by paying off your debt before the end of the month. In general, credit card providers start to charge interest fees by the month-end. Some users can dodge interest fees by moving around the balance of several cards.

Another benefit of using credit cards is that every card has its features and conditions. For example, a credit card designed for bad credit has higher annual charges. 

There are other credit card services that you can use but they usually come with a fee, such as transferring money to a bank account or using the cash advance features. You don’t need to use the additional card features but they are very handy when you need immediate cold, hard, cash.

How Can a Loan Improve Your Credit Score?

If you have zero credit, it will also seem like you have poor or bad credit. Fortunately, there are different options available to borrowers with different credit reputations. Although there are no surefire means of getting approved for a loan, a good credit score paves the way for loans with better rates. But sometimes people with good credit may find it difficult to obtain a loan if he or she does not have a steady flow of income. 

Some people dislike the idea of borrowing money, but the truth is, a loan can help you improve your credit score. As long as you are remitting your loan payments on time, you can grow or repair your credit rating. Once you achieve a good credit score, remember to be prudent in managing your finances so that you don’t have to walk down the path of bad credit ever again.

Is There Such a Thing as a Bad Credit Online Loan?

Bad credit loans do exist. These loans are specially designed for borrowers with poor or bad credit rating. Several online lenders offer these loans.

If you have bad credit, poor credit, or even zero credit, you can look up lenders like USFinancer to give you the loan that you badly need.

 A word of caution: bad credit loans are more expensive than regular loans. The reason behind the expensive interest rates is due to the higher risk of lenders in giving credit to someone with flawed credit ratings.

Don’t lose hope if you have bad credit. There are bad credit personal loans available for those who were not able to maintain a good credit history. If you have a less-than-perfect credit score and you urgently need cash, a bad credit loan is recommended for you.

Similar to other loan products, you need to understand the terms and conditions of the loan before signing any agreement. Before you decide to accept a loan offer, make sure that you know what to expect in case you agree to the terms and conditions.

FICO Credit Score: What Will Happen If You Have Bad Credit

In an ideal world, you will have ample money saved up to take care of emergency expenses. However, the sad truth is, over 50% of the American population doesn’t have more than $600 in their savings account. Apart from the lack of money set aside, many Americans have less than 600 in FICO credit scores which already fall under bad credit territory.

If your FICO score is in this category, who do you turn to when you need money in an instant? This is where USFinancer comes in.

What is considered a good FICO score?

If a FICO score is below 600, it is already considered bad. Your FICO score can be seen in your bank statement or displayed on your Internet banking account. You may also check out your credit rating through Experian or other professional services.

FICO Credit Scores and their meaning:

  • 700-800 – Very Good
  • 670-720 – Good
  • 620-680 – OK
  • 540-630 – Bad
  • 300-550 – Very Bad

Bad Credit Loans: How Does It Work?

The harsh reality is that because of your bad credit history, you will have to bear with higher interest rates and fees when you acquire a loan. If a borrower has bad credit, it means he or she has been late in paying loans or have defaulted on a loan. The good news is that there are several ways one can improve or repair their credit score. 

Loan providers charge more because of the risks involved in lending money to borrowers with flawed credit. Consumers with bad credit pay higher annual percentage rates (APR) to compensate for the lender’s risk.

Bad Credit Loan Risk Level Typical APR   

  • Payday Loans High 340%  
  • Title Loans High 320%
  • Cash Advances High 340%
  • Installment Loans High 90%

How Risky are Bad Credit Loans?

There are risks involved in taking out a bad credit loan. Before applying for a bad credit loan, you should understand the risks in borrowing money with high-interest rates. Lenders who focus on your credit rating are hoping to earn more money from you through the exorbitant interest rates.

Bad Credit Payday Loans Have Higher Fees

The main difference between a regular loan and a bad credit loan is that the latter is more expensive due to the higher APR. Borrowers with bad credit have to pay higher rates and fees compared to those with good credit.

Bad Credit Online Personal Loans

A bad credit loan from an online lender is a type of financing with high-interest rates. You can obtain an amount between $100 up to $1,000 from an online payday loan.

If you are looking for a higher loan amount, you should consider taking out an installment loan. The process is simple. You simply need to accomplish and submit an application form. The lender will evaluate your ability to pay through your income. Apart from checking your basic information (name, address), the lender will also perform a soft credit inquiry which verifies your basic credit information.

Payday Loans for Bad Credit Borrowers

Living expenses are rising nowadays so almost every household experience financial shortage now and then. Even thriving companies stumble upon cash difficulties at times.

Fortunately for those with bad credit, it is possible to get cash assistance despite their credit reputations. The credit score of an individual determines how much you can borrow through a personal loan. Many people suffer from bad credit histories, thus the need for bad credit loans is addressed by alternative lenders.

In a perfect world, no one should have to suffer from poor finances. 

But the real world presents us numerous difficulties including financial challenges. Borrowers with bad credit can turn to online payday loans and credit card advances to help deal with emergencies promptly.

Good Credit vs Bad Credit Loans

What is the difference between bad credit and good credit? The easiest way to explain it is if your credit score falls below 630, your credit score is bad.

If you are not sure about how your credit score looks like, you can request free credit reports through Experian or similar services. You can also find out your credit score by checking your bank account or credit card statement.

Credit Score of 720 and Above?

Most of us want to have a decent credit score. To have great credit, you should have a score of 720-850. A good credit score falls in the range of 680 to 719 while fair credit is in between 630 to 679. If your credit score is below 629, it is considered bad and very bad credit is a score of 549 and below.

Is It Possible to Get a Guaranteed Payday Loan?

An unsecured personal loan is a suitable option to obtain funds that you need immediately. There is no such thing as a 100% guaranteed payday loan. The loan provider will still verify some information about the borrower including a quick view of the applicant’s credit history.

Loan companies are also businesses that want to make a profit thus they need to check whether they are giving a loan to a suitable borrower. Lenders do not want to lose money. One way to make sure that they can recoup their money is by giving credit to individuals with the capacity to pay.

Poor Credit Short Term Loans

Banks and other traditional financial institutions rarely accommodate borrowers with bad credit histories. In case you want to obtain a poor credit short term loan, the likelihood of approval is higher with a no credit check (soft inquiries only) loan provider. Poor credit loan providers accommodate borrowers who are at least 18 years old and possesses a stable job and income. Quick cash loans are available anytime if you work with the right lender.

Borrowing Money and Paying Monthly

Bad credit loans are not limited to short-term loans or payday advances. If you prefer to pay a fixed amount every month, you should consider getting an installment loan. The advantage of an installment loan is that it has lower interest rates than payday loans. You also have more time to pay off the loan through reasonable monthly payments.

Personal loans, specifically payday advances, put you in more risk of non-payment. And when you rollover the loan, you will be slapped with additional fees and charges. Sadly, some financial institutions extract more money from their borrowers with these penalties and fees.

Obtaining a Bad Credit Loan

To get a loan with bad credit, you have two options to choose from: a secured loan and an unsecured loan.

Secured Loans for Bad Credit:

  • Guaranteed by collateral such as your home, vehicle, a piece of jewelry
  • Easier to obtain a loan when your borrowing is secured by an asset
  • Failure to pay the debt allows the lender to claim and sell the collateral
  • Typical secured loans include mortgages, title loans, and pawnshop loans

Unsecured Loans for Bad Credit:

  • The agreement is only secured by the signature of the borrower on the loan contract
  • The borrower agrees to repay the debt according to the terms and conditions of the contract
  • Should the borrower fail to pay off the loan, the lender can turn over the debt to a collection agency or seek legal help
  • Typical unsecured loans include credit cards, installment loans, and student loans

In some cases, a payday loan can also be considered a secured loan because the borrower guarantees payment through his or her paycheck.

Are Bad Credit Loans Safe to Get?

There are always risks and disadvantages involved when obtaining any type of credit. For example, numerous lenders are offering too-good-to-be-true loan deals that can leave you further trapped in debt. Before applying for bad credit financing, make sure you are dealing with an honest and reputable lender.

Just because a lender offers no credit check loans means you are in for a good deal. Reputable bad credit lenders will still verify your basic credit information as part of the loan process. In case you have to take out a bad credit loan, remember that there is a proper way to go about it.

Tips on how to choose a bad credit loan provider:

  1. Find out who you are dealing with. It is important to be sure that you are working with an authorized lender since loan sharks can operate similarly to legit lenders.
  1. Choose a lender who will offer different options. Avoids lenders who are very persistent in offering you a specific loan. A professional lender provides different financing options. The loan provider should let the borrower decide which type of loan will meet his needs and capabilities. Even if your credit is bad, you will still find lenders who offer bad credit personal loans with reasonable interest rates.
  1. Transparency is crucial. Transparency is an important indicator that a lender is honest and reliable. All lenders are required by law to disseminate the details of the loan. Even if a borrower has bad credit, he or she still has the right to know how much the loan costs, including the fees and interest rates, applied. As a borrower, it is your responsibility to clarify the terms and conditions of the loan before signing an agreement.
  1. Credit checks are required. Applying for a loan from a lender that performs hard credit checks can hurt your credit score. At the same time, a lender who does not check credit at all should not be trusted. A reputable lender will always run a soft inquiry on your credit history, but this will not be the basis of their loan rejection or approval. 

What Other Financing Options Do I Have?

As much as possible, you should only take out a bad credit loan when you have an emergency. If you need money to purchase or pay for something expensive, and installment loan is a more suitable option. You should also look for ways to improve your cash flow like getting a part-time job or selling stuff that is no longer useful to you.

A bad credit score is not a death sentence. With proper financial management and a little more discipline, you can repair and improve your current credit.