What to look for in a payday loan


There are hundreds of options when it comes to choosing payday loans. When faced with an abundance of offers, it is important to go choose the right one for you. Our mission is to find you the perfect fit so that you can get finance quickly and securely.


Our essential guide

Choose a reputable company

Browse the loan company’s website. Are they registered with the Financial Conduct Authority? This is important to keep you and your sensitive information safe. How long have they been operating? If you have any doubts it could be that you are dealing with a loan shark, which should be avoided at all costs!


Check interest rates

Having made the decision that you need a payday loan, you will want to keep repayment costs down to a minimum. The last thing you need is to find yourself in a position where you are unable to pay back a loan and accruing debt. Many reputable lenders have an online calculator that enables you to see how much money you will have to pay back when the repayment period comes around.


Do online comparisons

That there are plenty of payday loan companies out there is a good thing: this means they will be competing against each other and therefore lowering costs to get you as a customer. Compare offers online to get the best possible price.


Read reviews

Read some reviews to get an idea of which loan companies are good and which ones should be avoided. Be prepared to bump into some horror stories but judge for yourself whether you are making the right choice.


Read the terms and conditions

It’s boring to read the small print, but you need to be 100% sure that you know what you are getting into. A reputable company should be transparent, and terms & conditions are one way of checking this. Are they clear about what they expect from you? Do you know the consequences if you have problems paying back the loan? If a company does not provide access to their terms & conditions anywhere on their website, treat them with caution. For more information, check out Myjar FAQ's.



Big Cat Finance specialise in providing advice in all financial related matters. Our expert team of staff all have over 10 years of experience in dealing with a range of financial matters (both big and small). We are fully qualified and experienced in the art of financial management, meaning that the advice we give you is supported by people who are able to relate to your position and have helped many other customers organise their financial affairs. Big Cat Finance are your financial ‘port in a storm’ – helping you out of your difficulties, and guiding you through the tumultuous terrain. Contact us now to hear more about how we can help you.

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