Representative APR Example
£300 borrowed for 30 days. Total amount payable by one repayment: £372.
Total interest payable by one repayment: £72. Representative APR 1223.6% (Variable)
Amount
£0
Term
0 Day(s)
Interest : £0
Repayment : £0

Welcome To Cash One Stop

Cash One Stop makes getting the cash you need fast, quick and hassle-free. We will guide you through the simplified loan process and help you get matched with the right lender for your particular situation. Read on to know more about us and the various aspects of lending.

We Are Not A Lender

We are only a mediator and take no active part in loan lending decisions. The main aim of our services is to save you from the hectic process of researching through number of lenders in search of a favourable loan deal. You can start with by registering on our website, which will give you quick access to our services. You can then use the loan calculator to determine length of the loan, final cost and payments. Applying for a loan on-line will give you access to a number of lenders that are linked to our matching service. However, please be advised, that submitting the loan request on our site, does not guarantee that you will be matched with a lender or you will receive loan approval. The lenders have the final say as far as approval of your application is concerned.

Fees And Charges

All lenders will provide complete information about the loan repayment schedule, fee and Annual Percentage Rates in the loan agreement. The fee and charges may vary among lenders. Therefore, it is important to fully understand the terms and conditions of the loan contract ahead of signing it. You should be capable of repaying the borrowed money when it is due. If you are unsatisfied with the terms of the loan deal you can simply refuse it. You are under no obligation to accept a loan. You can always resubmit us your loan request and get matched with another lender.

At Cash One Stop our only goal is to match your application with a suitable lender who can help you with your cash needs. We try our best to provide complete and transparent information and never to add to your financial difficulties. All short term monetary solutions are meant for immediate emergencies and should not be considered as a solution to your long-standing debts. The amount of cash borrowed should be repaid within 15 to 30 days along with the interest charged by the lender. The Annual Percentage Rates can range anywhere between 260.71% and 1825%.


Collection Practices

Out of all the loans, short term loans are among the riskiest loans as they come with the highest interest rates.

Often applicants of such loans who do not take repayment responsibly ends with collection actions and lawsuits. In order to collect a customer's debt collection practices are performed by third party collection companies.

Such companies may make collection attempts after buying debt directly from the individual lender. All collection agencies are governed by the local and state laws.

Customers should get the debt verified and should contact the lending company within a month if they dispute the debt.

The lending company should provide the necessary proof that you owe the money. The collectors do not have the right to threaten you or take action which is prohibited by law.

Besides, they cannot call you repeatedly and are restricted to reveal information related to the debt to others without your permission.

Payday lenders may be violating laws and committing fraud by threatening you, calling dozens of times a day and artificially inflating the amount of money owed by you.

Therefore, loan borrowers should keep records of every collection call they receive from a lender. Contact a debt collection attorney immediately if you believe the lender is violating any law. Get legal help whenever you receive any fraud collection call claiming that you owe money and makes a threat.

Non Payment Implications

Implications for non payment of a loan could be extremely serious. If you are unable to repay back a loan you should contact your lender immediately. Non repayment will add additional fees to the actual loan amount. Besides, lenders will start collection proceedings. You will also have to face regular collection calls. Lenders may take legal action against you. All these will have negative impact to your credit rating and make it difficult for you to get loan approval in future.

Late Payment

Late or partial payment of a loan you owe will incur extra finance charges. Non payment of loan on time will add additional finance charges and fees to the unpaid loan amount. Ahead of signing the loan agreement do not forget to review the late payment policy mentioned in the loan documents provided by the lender. If you fail to pay on time lenders may attempt to contact you to arrange payment through authorized methods.

The lender may eventually sell the debt to a collection agency and the unpaid loan will be reported to the credit bureaus and it could negatively affect your credit. The debt collection agencies may also use other aggressive methods to get back the loan payment. If your credit status is damaged due to non repayment of a loan you will find it difficult to get another loan. Even after you have ended up repaying back the loan completely, due to the status of your credit report and the collection action taken against you, it will be difficult for you to qualify for a loan. Such remarks made on your credit report will stay for several years.

Loan Renewal Policy

Renewal policies of loan are governed by state regulations. Renewing or rolling over a loan means you are delaying the repayment of the loan you owe. Rolling over the loan does not reduce the amount you owe. Instead, you will have to pay a fee for such facility. Renewing the loan multiple times can put you in serious debt and the repayment loan amount will keep multiplying.

Not all lender offer loan renewal and extensions. Fees for such renewal and extensions could be significant. Besides, renewals or extensions may not be available always. Depending on where you reside, your state may prohibit loan renewals, which means that you cannot extend the loan term. It is best to verify the lender's policies ahead of entering into a loan agreement.

We Are A Broker, Not A Lender

The operator of this website is not a lender and does not make credit decisions. The information you provide will be used in securing you a payday loan through our UK network of leading Payday Loan Lenders and Brokers. The personal, financial and employment information that we collect is stored electronically for the duration of your application and is removed from our system upon acceptance from a lender.

We expect you to repay your loan on the date agreed, so if you do not think you are in a position to make your repayments please do not apply with us in the first place. It is not worth risking your credit rating nor any financial consequences which might result.

Payday Loans are classified by the Financial Conduct Authority as High Risk Financial Instruments and are typically subject to higher rates of interest than those charged by 'high-street commercial lenders'.

Please note that payday loans are meant to be used for short term financial emergencies and are not designed to provide long term solutions.

Any queries or complaints regarding our service should be addressed in writing to this address.

Pervasive Web Solutions is authorised and regulated by the Financial Conduct Authority to carry out Credit Broking: Authorisation Number FRN740122
Authorisation can be checked on the Financial Service Register at https://www.fca.org.uk/register

PLEASE READ TERMS & CONDITIONS OF LENDERS OR BROKERS BEFORE PAYING ANY UPFRONT FEES.

Site owned & operated by
Pervasive Web Solutions
Room G49, Lakeside House, 1 Furzeground Way,
Stockley Park, Uxbridge, Middlesex, UB11 1BD

Authorised and regulated by the Financial Conduct Authority.
Authorisation can be checked on the Financial Service Register at https://www.fca.org.uk/register
Credit Broking: Authorisation Number FRN740122
Data Protection Reg No: ZA123718

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