Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

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Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable). Representative 305.9% APR.

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Testimonials are fictitious, and are for representative purposes only.

Personal loans from £100 - £5,000 between 3 and 60 months. Our lender comparison rates, which include possible lender fees, have varying rates. All associated fees and rates are based on your personal financial circumstances.

* Our comparison rate is based on a £1,800 Personal Loan for a 2 year term. This rate is applicable for unsecured personal loans only.

WARNING: Our comparison rate only applies to the example or examples provided. Alternative loan amounts and terms will produce different comparison rates. Additional costs such as redraw fees or early repayment fees are not included in our comparison rate, but could influence the overall cost of your loan.

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With one simple application, you can be matched with a loan quote in seconds. We work with reputable lenders to give you the best chance of getting the loan you deserve. ³

Implications of Late/ Non-Payment

Despite making every effort to budget for your settlement, most lenders understand that problems can occur. Most lenders have the facilities in place to set up restructuring plans to help you, and whilst this may incur additional charges or interest, it is much better than ignoring the requests. Whilst every lender has different policies, every month that you fail to settle may result in the true cost of your solution growing hugely due to the additional fees involved. A restructuring plan means that these fees stop, and bar the interest, you only owe the outstanding balance.

Collection Process

You must contact your lender directly at the earliest sign of financial difficulties. Ongoing complications means that not only do you incur more charges and interest, but the lenders have no option to pass your details on to collection agencies, which can be even more stressful.

Credit Reference Agencies

If your situation is passed to a debt collection agency, providers can send the details to a credit reference organisation. This means that a note is put on your credit report of the problem, so that future creditors get a better understanding of your ability to settle credit agreements. All lenders have different policies regarding credit reports, so please read the terms and conditions of your chosen provider carefully. Such notes can stay on your credit file for up to 6 years, so please make every effort to meet your repayment before accepting your proposal.

With some lenders, by meeting your repayment on time, a positive note will reflect on your credit file - this means that you have a better chance of obtaining future credit.

Renewal and Extension Policies

iCashAdvance.co.uk do NOT recommend renewing your agreement, as it is intended for one-off emergencies. If you feel you have budgeted your finances sufficiently to extend, then you must contact your provider as soon as possible. Please consider though that this may incur an additional charge - please check with your lender.

We work hard to ensure we don't partner with providers that have automatic renewal policies in place, as this goes against lender regulations, and is not in the customer's best interest. Once we have directed you to a lender, we urge you to check the terms and conditions carefully, to ensure that this is not in place. If it is, then please contact us so that we can inform the appropriate regulatory body.

Code of Practice

We only work with a select number of lenders and brokers who are carefully vetted. Most of the lenders on our panel are generally a member of a trade body or association and asked to comply with an ethical code of practice that subscribes to responsible lending.