We are a UK based responsible lender, with local financing and no extra fees.
Response Funding Limited, formerly Fancy a Payday, is a recognised lender based in the United Kingdom. We provide excellent short-term loans to those who might find themselves faced with an unexpected expense. Many individuals experience sudden financial problems that require cash quickly. Some of the most common critical expenses include car repairs, utility bills and groceries. The loans are commonly called payday loans. They do not require any long term commitments and are quick to obtain. The loan application is simple and can be completed in just a matter of minutes. Our loan terms and conditions are always clearly presented to you. Our borrowers will not be surprised by unexpected charges or fees. Borrowers with bad credit may still qualify for one of our loans online. If your application is approved, you may have the funds deposited into your bank account on the same business day.
What Are Quick Loans?
When you find yourself in need of emergency cash, a personal loan from Response Funding may be a potential solution. Simply complete our online application and we will make the decision on whether to approve you for the loan. Our payday lending process potentially allows you to receive fast cash on the same business day. These are unsecured loans that you pay back on your upcoming paydays. We offer the flexibility of paying back your loan according to the frequency you are paid, such as weekly or monthly.
An unsecured loan is one provided from the lender without requiring collateral. An example of a secured loan is one used to purchase a car or home. If a lender requires collateral, the borrower must have a tangible asset that can be repossessed if the borrower becomes delinquent. A payday loan is simply an installment loan that is repaid based on when you are paid. They are designed to allow you to satisfy your other financial commitments as you repay the loan. The payments are spread out over a three month period of time. As a lender, we recognise that putting you in a difficult financial situation does not benefit anyone.
Why Consider Quick Loans?
Our personal loans are often a good option for those with a low credit score. Borrowers with a limited credit history may struggle to be approved for a loan as well. Sometimes, those with no credit history find it difficult to get started. Some traditional lenders are hesitant to be the first party to extend you credit. Many people in these scenarios are unable to obtain approval for a line of credit, a credit card or cash advances.
A quick loan is often a great option for those with an immediate need for funds. Someone who needs to pay their bills to avoid eviction or a utility disconnection may benefit from our loans. Even those with good credit may find it difficult to obtain the cash they need in a timely manner. Many traditional lenders make this a very lengthy process. Some banks or credit unions may insist that you visit a local branch office to begin the application process. Then, they may not reach a decision on your application for several days or even weeks. At Response Funding, we understand your time is valuable. Our staff will work quickly to provide you with the funds you need without any unnecessary delays.
Benefits of Quick Loans
You can easily complete our online loan application by visiting our secure website. Individuals with verifiable employment and a current bank account are encouraged to apply. The process may be completed by using your computer, tablet or phone 24-hours-a-day at your convenience. Our loan application staff carefully considers several factors to determine if a payday loan is suitable for you. Our underwriters will assess your current financial circumstances, which will influence their decision. Our loans do not require any collateral and are a preferred alternative to borrowers instead of pawning their valuable possessions.
At Response Funding Limited, we take the security of your personal information very seriously. Our application process was designed to protect key applicant data. We use an advanced web platform that meets the latest standards in real-time security and confidentiality. We have gone to great lengths to create an infrastructure using the best firewall and encryption technology available. One key security advantage is that we operate as a direct lender. This provides us with the ability to centrally store and manage critical contact and personal data. Being a direct lender means that we are funding your loan directly with our own capital. This avoids any unwanted broker fees or added costs from intermediaries. We are properly licensed and authorised with the FCA and are based here in the U.K.
What are the Requirements for Quick Loans?
- All loan applicants must be current adult residents of the U.K.
- You must have current employment that can be verified or another documented type of regular income.
- A current bank account is needed for processing electronic loan transactions.
- The maximum amount that may be obtained for an initial loan is £125.
- Over time, those who borrow from us may increase the possibility of higher loan amounts for future loans.
- Our loans have a simple 0.8% daily interest rate, an APR of 1304.41 and a fixed 292% annual rate.
- We operate according to responsible lending principles that ensure our payday loans are appropriate for borrowers.
- Our loans are not suitable for each and every type of borrower.
- Those in need of a long term financial solution or who are currently unemployed are not suited for our loan products.
Quick Loans Feature Fast Online Approval in the U.K.
Has an unexpected expense suddenly put you in a situation where you need same day funding? A fast cash loan from Response Funding Limited may provide you the necessary funds in as little as one day. We offer short term loans that are easy, fast and reasonable to repay. Those wishing to apply for a loan can do so around the clock. Our terms and fees are clearly disclosed and even those with past credit problems may qualify. We encourage you to apply today!
Apply For a Quick Loan Online Today
Getting a Quick Loan is Easier Than You Think
Get the money you need now. Quick loans are a great way to obtain the funds you need for necessities such as home repairs, utility bills or any essentials.
Qualifying is simple. Fill out an online application and get the money you need today!