Payday Car

Payday Car is the ultimate source for payday loans for people who need cash. We all know what it can be like when emergency cash is needed. Payday loans can be the answer for your short-term financial needs especially if your cheque is late or if you are due to get paid and you need to pay bills before then. Payday Car is committed to changing the face of consumer finance. Solving problems is our mission and we do this by offering crisis loans, bad credit loans and instant cash loans that help you get a grip on your life. Whether you need cash to pay bills or you have emergency need for money, take the stress away with an application for a payday loan for instant cash today. Apply now to fill out the application you need for your payday loan.

How APR Works

Explaining APR for short-term loans All products in financial services where a customer borrows money are subject to charging APR. This is the annual percentage rate of interest that is charged. Payday loans tend to have higher interest rates than other types of loans and credit products such as personal loans and credit cards.   Why APR is higher for short-term loans Lenders make a profile of who will take out their loans. Since payday loan lenders offer loans of a small amount, higher interest rates are charged so that the lender can cover their costs of administering the loans. The key factor to remember is the smaller the loan, the higher the APR that will be charged. We are committed to showing how much APR we charge in our effort to continue responsible lending in the consumer finance industry.   Representative APR 2120% (Variable) Representative Example on a loan of £200 for 30 days (may vary based upon a lender that accepts you) Amount payable is £258 | Interest-£58 | Interest rate - 352.8%  
 

How It Works

Payday loans are excellent ways for you to get the financial injection that you need. Take a look at the following steps on how to get the payday loans that you need:   The steps the lender will take To give you a payday loan, there are several factors that payday loan lenders need to consider. Here are what lenders will do before they choose you:
  1. Look at your credit history: Some lenders have access to credit reports. This is important and credible payday loan lenders will lend money to borrowers who have shown a diligent approach to borrowing money.
  2. Go through the details of your application: Lenders will look at your application and see the amount of money that you want to borrow and when you accept that you will pay the money back.
  The steps for the borrower
  1. Assess the amount of money that you need: Before you choose to borrow money, you need to figure out whether you need the money. Payday loans are expensive because of the interest rate charged by the annual percentage rate. If you can pay the loan back, go onto the next step.
  2. Fill out the application form: On our website, there will be an application form that you should complete by filling out all of the key details such as your name and the amount of money that you want to borrow.
  3. Sign the loan agreement: If you have been accepted for a payday loan, you should sign the loan agreement next.
  4. Use your money: If you complete your application and you are accepted on the same day as per our agreement, lenders can deposit the money on the same day in some cases.
With this clear and transparent approach to payday loans, borrowers know what lenders do when they are assessing their applications. If you are applying for payday loans, follow these steps to get the loan you want.
 

How To Apply

Looking for a payday loan? Do you need an instant boost of cash? If you need some extra cash, choosing a payday loan could be right for you in your situation. Use our apply now form below to start the process to get the payday loans that you need. When you apply, you need to put the correct information for the following parts of your identity:
  • Your age: Most lenders require that you must be over 18 years old to qualify for a payday loan.
  • Your employment status: You should have a full-time job or be self-employed with a consistent income stream where you get income monthly so you can pay your loan back.
  • Bank account information: Ensure that you put your bank account details such as your debit card and account number correctly so that if you are accepted, the money can be deposited into your account.
  By having all the correct information, you can apply for the payday loans that you want.
 

Privacy Policy

This is the Privacy Policy of “Payday Car Loans” UK. We are committed to protecting our customers’ privacy and security. This Privacy Policy explains our information collection and sharing practices. It identifies the sources from which we collect non-public personal information about you, details the measures we take to secure that information, and describes the information about you that we may share with our affiliates and with non-affiliated third parties. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. For the purpose of the Data Protection Act 1998 (the Act), the data controller is PaydayCar Ltd of 7 York Park YO9 5DG, York, United Kingdom.   Your information We may collect and process the following information about you:
  • Information collected directly from you through your online application, information collected through on-line forms or entries on our lead providers' websites
  • your telephone communications with us and our customer services department which may be monitored and recorded;
  • information about your transactions including loan balances;
  • information from outside sources such as credit reference agencies and customer service providers regarding credit worthiness and credit history;
  • information that is collected when you use the Website that may be used by us to identify you and validate your use of the Website for fraud prevention purposes;
  • information about your computer including, your IP address, operating system and browser type.
  • automatic information obtained by using "cookies" when your browser accesses our Website and when you log-in and consent to our use of cookies in our pop up box. If enabled, cookies may store small amounts of data on your computer about your visit to any of the pages of this Website. Cookies assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits. When you visit this site again, cookies can enable us to customize our content according to your preferences. These cookies do not track individual user information, and all our cookie data is encrypted and cannot be read by other websites. It is possible to 'turn off' the cookies in your browser and this will not affect the functionality of the Website.
  Where we store and process your personal data All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of the website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access. We take the necessary action to ensure our security systems meet or exceed industry standards and we are constantly monitoring internet developments to ensure our systems evolve as required. We also test our systems regularly to make sure our security mechanisms are up to date. Finally, we are subject to UK data protection laws, which we aim to comply fully.   How your personal data is used The information we collect about you will be recorded electronically and may be used for a number of purposes such as:
  • in the normal course of our business such as verifying your identity and credit standing
  • in order to process loan transactions and update your account records
  • to assess your credit history and confirm your employment details
  • to make lending decisions
  • to contact third parties, such as your employer, who you have nominated to verify information about yourself
  • for conducting statistical analysis and to develop and improve our products, to assess lending risks
  • to identify you when you contact us or visit our Website
  • to identify which of our products, or our partners' products, might interest you
  • to prevent and detect fraud, this may involve the use of voice detection technology to analyze recordings of your telephone calls with us
  • to contact you in connection with your inquiry
  • to update our website to better meet our clients’ needs in the future.
  • to ensure that content from our site is presented in the most effective manner for you and for your computer
  • to carry out our obligations arising from any contracts entered into between you and us
  • to allow you to participate in interactive features of our service, when you choose to do so
  • to evaluate the effectiveness of our marketing of the Website, to carry out regulatory checks and for market research
  • to notify you about changes to our service.
  Credit reference agencies and Fraud Protection We may disclose your personal information to credit reference agencies (CRAs) and Fraud Prevention Agencies (FPAs), along with the details of your agreement, payments made and any default or failure to maintain the terms of the agreement. When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information. If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention. Law enforcement agencies may access and use this information. We and other organizations may also access and use this information to prevent fraud and money laundering, for example, when:
  • Checking details on applications for credit and credit related or other facilities
  • Managing credit and credit related accounts or facilities
  • Recovering debt
  • Checking details on proposals and claims for all types of insurance
  • Checking details of job applicants and employees
 Please contact us at the address below if you want to receive details of the relevant fraud prevention agencies. We and other organizations may access and use from other countries the information recorded by fraud prevention agencies.    Your rights on your data By submitting your application you understand and agree that we may contact you via the phone number or e-mail address you provide to assist you with your loan or to discuss other products and services that we may provide for you. You have the right to ask us not to process your personal data for marketing purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. Every time we contact you for marketing purposes we will give you the opportunity to opt out of receiving further marketing material. You can also exercise the right to opt out at any time by contacting us at 7 York Park YO9 5DG, York or by email at info@paydaycar.co.uk Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.   Your information disclosure We may disclose your personal information to our sub-contractors, agents, service providers, lenders and members of our group of companies in order to provide our services to you. We will ensure that such persons treat your information as confidential and use it only in respect of the provision of services to us and/or on our behalf. We may disclose your personal information to third parties:
  • in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
  • if PaydayCar Ltd or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets;
  • if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use, or terms and conditions and other agreements, or to protect the rights, property, or safety of PaydayCar Ltd, our customers, or others.
If you give us false or inaccurate information and/or we suspect fraud, we may record this on your credit history and may also pass information to appropriate law enforcement or regulatory authorities and/or to any Fraud Prevention Agency (FPA).   Cookies We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual. A "cookie" is a small electronic file that collects information when someone visits a website. A cookie can identify the pages that are being viewed, and this can assist us to select the pages that the viewer sees. Some cookies only exist whilst viewers are online, but "persistent" cookies - which are not session-based - remain on the viewer's computer, so that he or she can be recognized as a previous visitor when he or she next visits the Website. This allows us to collect information about a viewer's browsing habits whilst on the Website, and this can be useful in assisting us to monitor and improve our services. We do not store sensitive information such as account numbers or passwords in "persistent" cookies, and cookies in themselves, do not contain enough information to identify you. You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of the Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to the Website.   Changes to cookies legislation The Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011 requires that cookies can only be placed on a computer where the user has given their express consent. You can choose to accept or decline cookies when you first access our Site. We require you to indicate your choice via an automated "pop-up" box, which explains the cookies we use and what we use them for. If you decline to accept our use of cookies or set your web browser to decline their use, you will have only limited functionality in the use of our Site.   Age To register with us you must be 18-years of age or older.   Changes to our Privacy Policy Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.
 

Frequently asked questions

To answer any queries that you might have about our payday loans, we have published a list of the most frequently asked questions about the types of loans that we have. Take a look at these questions below: 1.     What is a payday loan? A payday loan is a short term loan that is paid back on your next payday. 2.     Do payday loans have high interest rates? To hedge against the risk of lending money to borrowers who could default, payday loan lenders offer loans at higher interest rates but only offer small amounts. This helps lenders choose the right people to lend money to because they can afford the loan and pay it back on time. 3.     How much can I borrow from PaydayCar Loans? You can borrow up to £1000 at a single time. You are requested to pay back the loan on the due date agreed with us. 4.     Can I get in touch with you about my loan? Yes – we are dedicated to offering excellent customer service. We know discussing personal finance can be difficult which is why we adhere to a policy of always putting your needs first. 5.     How do I know if I need a payday loan? We only encourage you to apply for a payday loan if you need cash in between getting paid and you can pay the loan back. Sometimes, cash flow problems can cause you to be without money. Instead of the strain of asking a friend or family member for money, you can go to a payday loan lender to help you with the short term financial requirements that you have. 6.     What criteria do I need to have to be eligible? There are several factors that we consider before accepting applications for payday loans. These include:
  • Be at least 18 years old or more
  • Be a UK resident
  • Be in full-time employment with monthly income
  • Have a valid bank account
  • Have a valid address
7.     Can I be approved on the same day? Providing that you send your application and it is approved before the cut-off time, you could be approved on the same day for a payday loan. Use this list of FAQs to answer any of the general questions that you may have about our payday loans. If you have other questions, get in touch with us by clicking on the contact us page.