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Q
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What exactly is a payday advance?
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A
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A payday advance is a short-term loan which is repayable on your next pay day (although you can choose to rollover your repayment until the following pay day - see below)
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Q
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How do I repay my payday advance?
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A
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We use your debit card or direct debit from your current account to take repayment of your payday advance on your next pay day.
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Q
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Do you make any credit or score checks?
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A
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No we don’t, we are not interested in your past credit record, only in your current ability to repay your payday advance loan and cover your other financial commitments on your next pay day.
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Q
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Can I rollover my payday advance until my next payday?
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A
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Yes, you can rollover your payday advance as many times as you like however, a payday advance is a short-term loan designed to help you get by until your next pay day. If you require credit for a longer period, then a payday advance may not be your best option and we would advise you to seek a more appropriate type of loan.
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Q
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Do I need to have a cheque guarantee card?
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A
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No you don’t, but the bank account that your wage gets paid into does need to have either a direct debit facility, or a valid debit card associated with it.
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Q
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How soon can I have my money?
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A
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If your loan is approved and we receive your signed agreement before 2.30pm and you can get to one of our stores, you can have your money the same day. Alternatively you can have your money sent by BACS to your account free of charge which takes three working days, or finally you can pay an express fee of £15 which is deducted from your loan amount and you will receive your money the same day.
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