How do I apply for a Payday Loan?

A Payday Loan is a cash advance that will tide you over until your next pay day. Just pop in to your local H&T store and complete our simple application process and walk out with the cash you need.

You may qualify for one of two products, depending on the type of bank card you have:

Cheque Guarantee Card Payday Loan : Maximum loan – £637.50* Max Interest: £112.50 Max Repayment: £750 Minimum income – £450pm Bring with you: Cheque Guarantee Card Cheque Book Proof of address (such as a utility bill dated within the last 3 months) Suitable contact telephone number You then just write out the cheques for the value of your payday loan, we will then agree with you the best day to bank the cheques within 30 days of the loan and you leave with the cash!

Or

Debit Card Payday Loan : Maximum loan – £340 Max Interest: £60 Max Repayment: £400 Minimum income – £750pm (Take home – proven by bank statement) Bring with you: Debit Card Bank Statement – 1 statement, must be for a full month, dated within a month (Less than one unpaid item or charge) Proof of address Suitable contact telephone number We will then agree with you the best day to debit your account within 30 days of the loan and you leave with the cash!

Please note: for all documentation please bring originals, photocopies will not be accepted.

*Dependant on the value of your Cheque Guarantee Card: £50 – £600, £100 – £600, £250 – £750

Representative Example for cheque based payday loan

Total amount of credit £340 for 30 days
Total amount payable £400, payable in one installment of £400
Total charge for credit £60 interest
Interest rate 214.77%pa (fixed)
Representative APR 623.3%