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What are text loans?

This is the fastest and simplest way to borrow money. It just requires you to send a text message from your registered phone to have the amount transferred into your account.

How do these pre-approved loans work?

You have to register a loan account once to avail this service anytime in future till the validity of your account. Fill the application form on this website for the one time sign-up account, and use it anytime on the go simply by sending a SMS. You can borrow the maximum of your pre-approved amount and repay in 15-30 days time.

What are the qualification criteria for text loans?

Similar to other online loan applications, for text loans also you need to qualify on the basic criteria as listed below:

  • You must be a permanent resident of the UK
  • Your age must be over 18 years
  • You must have a permanent employment
  • You must have a valid bank account on your name
If I have bad credit rating, can I still get a loan?

Yes. Many lenders now offer text loans to people with loan defaults in past. But the loan amount and interest rates would depend on your credit rating.

Do you charge an application fee?

No. We do not charge you for this application. But if there is any processing fee for your one-time sign up or loan transaction charged by the lender, you would be informed.

What if I am unable to make repayments on time?

In such a case it is advisable to contact you lender and inform him in advance, so as to get other repayment options. Loan defaults can hurt your credit rating so much that you can be rejected for loans in future. So borrow cash only when you are able to repay them on time.

How do I repay the loan amount?

The repayment is taken directly from your bank account through direct debit authorization to the lender. On the due date of repayment, just make sure that your account has sufficient amount which can be automatically paid to your lender.

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