Typically if you’re applying for any form of credit, the lending company will carry out a credit check. This enables them to assess the risk involved in lending you money. Your credit history will tell them what you have borrowed in the past and whether you have defaulted on your repayments.

People who have a poor credit history will often find lenders refusing to offer them credit. Until the advent of pay day loans the only alternative for those with bad credit was to borrow money from friends or family or to pawn their possessions. There are probably few people who would relish the prospect of approaching their nearest and dearest for a loan and there is often a real stigma associated with coverting your treasured possessions into cash at the pawn brokers.

Pay day loans are available to those with a poor credit history because the loan providers do not carry out a credit check. All the lenders want you to prove is that you are currently employed, how much you earn and when you get paid. This is easily achieved by submitting copies of your most recent pay slips with your completed application form. A credit check is not required because the loan will be due to be repaid in full (plus interest of course) on the very day you next get paid. This means that the maximum duration of the loan would be 30 days and the loan is of course an unsecured loan.

The loan companies mitigate their risk by either automatically applying to your bank for the repayment (if you apply on-line) or requiring you to provide them with a post-dated cheque for the repayment (if you apply in-store). The repayment date is always the day on which your salary is paid and therefore the funds are pretty much guaranteed to be available in your account to make the repayment.

No credit check pay day loans are now widely available in the UK and reputable lenders can be found both on-line and on the high street.

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Having moved into a small village, I was eager to fit in and become an active member of the community. So when my neighbour informed me that the village had its own garden competition which everyone entered, I felt obliged to participate. Despite not having much of a front garden, I was rather proud of the pots and hanging baskets decorating my cottage.

However, not being the most experienced of gardeners, I failed to consider the needs of my plants while I was away on holiday and when I returned my pots and baskets contained little more than a few dessicated leaves. With the judging of the gardening competition due to take place in a couple of days time, I was mortified that the rest of the village would think that I’d let them down. (The gossip at the Post Office can be formidable!). A trip to the local garden centre was defeinitely in order but I’d maxed out my credit card on holiday and I wasn’t due to get paid for another 10 days or so.

That’s when I saw an advert on the telly for pay day loans where you can borrow up to £1000 just until your next payday. I went on-line and found a reputable instant payday loans provider who had an on-line application facility which took no time at all to complete. I was able to provide them with copies of my latest payslips and proof of my ID by scanning my documents and submitting them with the application form. Less than an hour later I had an email confirming that my application had been approved and that a cash advance would be deposited directly into my bank account later that day.

The next morning I was able to buy all the plants I wanted and with the help of my neighbours, my pots and hanging baskets were looking gorgeous by the time the judges arrived. I didn’t win any prizes but I did get to know my neighbours and they’ve promised to water my plants the next time I go on holiday.

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Money worries are never easy on any relationship and sometimes arguments erupt even when people are trying to find solutions to their problems.

Not normally one to get involved in other people’s domestic disputes, the weekend saw me breaking with my own tradition. Sitting outside my local cafe enjoying a leisurely frappe with friends, a couple sitting at a nearby table were discussing the cost of a new car seat for their baby. The man seemed to think that there was no real hurry to buy a new one. In his opinion the car seat that they already had would be perfectly fine until his next payday when he could afford a replacement. The lady on the other hand, was arguing that the baby was now far too big for the existing seat and that it wasn’t safe. (It would seem that the man had procrastinated over the same purchase last month!).

The lady suggested that her partner should take his beloved laptop and iphone to the local pawn brokers to raise the cash. This is when things became rather heated and voices were raised.

Having said goodbye to my friends, I was on the point of leaving myself when I decided to risk stepping in. Apologising that I couldn’t help but overhear their conversation, I suggested that they may like to consider the option of a pay day loan. The lady was quite understandably annoyed by my intrusion but her partner managed to calm her down and asked me to explain what I meant.

I advised them that since they only need a short-term loan to see them through until his pay cheque arrived, a payday loan could be the perfect solution. Such loans are now widely available in the UK either online or at high-street lending stores. The application process is incredibly simple with only id, bank details and proof of employment required to secure a loan. Lenders don’t even carry out credit checks. If applicants meet the criteria they can get an immediate approval and have the cash within 24 hours.

Before I could finish speaking, the guy was on his iphone searching the internet for payday loans!

I’m glad that I stuck my nose in now as the couple left the cafe on much better terms and hopefully their baby now has a safe new car seat.

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