The eligibility criteria for cash loans in the UK are:
· You must be a resident of the UK
· You should be 18 years of age or older
· You must be a salaried professional with valid pay stubs, bank statements, income tax returns and credit card scores
· You must have an active savings account where the transaction can be made
The benefits of a quick cash loan are:
· Cash in your bank account in 24 hours or less
· Quick application and approval process
· It’s OK if you’re credit record is tainted
· Flexible repayment duration depending upon the amount and your income
The major disadvantages of quick cash loans in the UK are:
· Extremely high rate of interest.
· High possibility of being labeled a defaulter if your check bounces.
· Taking out cash loans can become an expensive habit if you can't get your finances under control.
· When you extend your loan, payday loans prove costlier than your anticipations. In case of multiple extensions, you can fall into a debt trap.
Keeping a tab on how you manage your cash loan can keep your finances well under control. When you opt for a cash loan, ensure that you can not only repay the loan with your next paycheck, but that you will be able to get through the next month without the help of a second cash loan. Further, if you’re unsure of a lender and his business practices, seek professional help. You could check with local merchant associations and other fair trade organizations in your area.