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Need a loan in 15 minutes? Try these sites for size

We’ve all been there. It’s mid-month, nowhere near payday, and somehow you’ve nearly run out of cash! If you need a quick fix cash injection to tide you over until payday, there is plenty of help online to get your cash flow on the move again and even find a loan in 15 minutes!

The beauty of getting a quick loan online is that there is no long-term commitment and no damage to your credit rating. They really can be lifesavers when you just need that extra padding to carry you through until your next paycheque.

One of the most popular short-term loan websites is Wonga – www.wonga.com.  If you are looking for a super quick fix, only Wonga can guarantee to send cash within 15 minutes of your loan approval. Using the site couldn’t be simpler. You simply instruct Wonga on how much cash you need and how long you need this for, up to a maximum of £400 to be repaid within 41 days. (Note that existing customers may be able to borrow up to £1,000.) The whole process is very transparent with no hidden fees or charges – it’s all laid bare for you to see via a nifty ‘moveable’ time and money slider, a bit different to your regular bank! For example if you borrow £265 for a period of 30 days interest and fees add up to £85.54, for a total repay amount of £350.54.

The process is completely done online for ultimate convenience and speed.

Another website worth checking out for payday loans is Which Way To Pay – www.whichwaytopay.com. While perhaps not as ‘user friendly’ as Wonga, this site works differently in that it allows you to compare offers between smaller payday loan providers – such as Payday Kong, Quick Quid and Payday Express – giving you the chance to properly to your homework before applying for your ’15 minute loan’.

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