H&T Pawnbrokers are a responsible lender, a value that holds true throughout all the facets of the company’s operations. As such, we have stringent checks in place to ensure that we only lend to customers who can afford to repay the loan. Whether applying online or in-store Payday Advance (PDA) customers must provide details of their income and pass a PDA check akin to a credit check for the PDA industry. If applying in-store the customer must provide a bank statement to prove income which must meet our minimum income requirement, the statement is then checked for affordability indicators such as bank charges, unauthorised overdrafts and other loan or credit payments.
Where to get advice:
For independant and impartial advice on managing your money, visit the Money Advice Service.