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Fast Loans Online
Fast, quick, rapid, speedy... whatever you want to call it, here at PiggyBank Loans, we know when it comes to needing a short term loan for an unexpected expense - you need it fast, however we wont compromise on our checks to make sure that you can afford it and we are not putting you in financial difficulty.
We think that fast and simple go hand in hand. After all, the more complicated a process is, the longer it will take you to complete it.
If you’re applying online for a fast loan with PiggyBank the entire process is simple. Plus our simple PiggyBank "sliders" are an easy and transparent way to help you decide how much you want to borrow and when you want to pay us back.
Since we spent so much time making sure that our online loan application process was fast and simple; you can be sure we’re not going to let you down if you’re approved for a PiggyBank loan! :) That’s why, we aim to have the money in your bank within as little as an hour of you completing your loan application online and being approved for the loan. We do this using a “faster payment” service and it makes us one of the quickest, transparent and reliable short term lenders in the market.
We know that a common side effect of fast can be losing quality. Whether it’s the quality of our online systems, our customer services or the little things we do behind the scenes, we’re always striving to make sure we bring you fast loans online - without sacrificing the quality of your PiggyBank experience. We do all this whilst adhering to the rules laid out by the Financial Conduct Authority (FCA). Just check our registration number to reassure yourself that although we act quickly, we do it responsibly. Fast will never mean sloppy credit checks with us. It’s only once we’re sure you can afford one of our short term loans, that we’ll get that cash across to you as quickly as we can.
Although we pay out our loans quickly once they have been approved, there is a lot going on behind the scenes before hand. Even if your application is immediately approved we will have still completed hundreds of checks to make sure you can afford the repayment, that the application is not fraudulent and that by paying out the loan we will not be putting you in a position of financial difficulty.
Some applications may be passed through to our manual underwriting team for additional checks and we may request a payslip for example when checking your employment details. However the good news is this can be sent by email so your application can still be approved the same day. We will also check your credit file and the figures that you have provided, with regards to your income and expenditure. Please understand this is not to be difficult, but just to make sure we're being the best we can be in lending responsibly and safely.
In keeping with this, here at PiggyBank we would not pay out a loan to someone who is unemployed, receiving benefits as a primary income, cannot afford the full repayment or who is in a position of financial difficulty. We will complete full credit and two affordability checks, among numerous other checks to ensure we remain responsible lenders. However the good news is that our processes are so fast that we can still offer 1 hour loans after your loan application has been approved.
Like what you hear? Why not start applying for your fast online loan with PiggyBank today.
Before you take out a PiggyBank short term loan, you need to ask yourself whether borrowing money is the right thing for you. If you can cut down on your spending or put off buying something until you’ve saved for it, do that. If you are borrowing money to make repayments on other loans and debts, you may be in a vicious circle and it might not be the best thing to do. If you think you need help with your debts, you can contact the Step Change Debt Charity service at www.stepchange.org.
Why Choose Us?
- Direct Lender
- No Payout Fee
- No Hidden Costs
- Fast Online Application
- Multiple Repayment Options
- 100% UK Based
- Fully Authorised by the Financial Conduct Authority