Consolidating payday loan debt

TFS Loans are a specialist Guarantor loan company, lending for over 6 yrs. Borrow £500 to £5000 with no upfront fees, no hassle, paid out in 24 hours. Representative Example: The Representative APR is 48.9% (fixed) so if you borrow £3,000 over 3 years at a rate of 10% p.a. you will repay £145.17 per month & £5,226.12 in total. Aspire Money offer a loan brokering service with no upfront fees and have loans available that don’t require a guarantor.

Representative Example: The representative rate is 56.5% APR (variable) so if you borrow £5,000 over 60 months at a rate of 42.57% p.a (fixed) plus an arrangement fee of £500 you will repay £212.82 per month & £12,769 in total. Guarantor must be a homeowner, or a tenant with an exceptional credit history, aged 18 to 75 years old. Guarantor must be a homeowner or a tenant, aged 18 to 75 years old and must pay if you don't.

Each of these lenders is a direct lender – we did not consider brokers. Currently, these loans are only legal in 32 states, and each state has different restrictions on the total amount, interest and length of the loans.

For the purposes of this review we included lenders whose APRs fell within the national average range, but be aware that rates can be higher or lower depending on the state you live in. rates that compare well to those offered by in-store loans.

Check Into Cash also offers other services, including check cashing, title loans, installment loans and lines of credit.