1. What is a payday loan?

    A payday loan is a short-term unsecured cash advance. This kind of loan should only be used for emergency expenses.

  2. How to qualify for an online payday loan?

    Each lender has their own borrower criteria to determine whether to offer a wage day advance in UK. Some basic, minimal criteria that many lenders share are the following:

    • UK Resident
    • Aged 18 years or over
    • Active UK bank account
    • Employed

    Please be advised that each lender has their own specific criteria for determining eligibility for credit. Satisfying the above criteria alone will not qualify you for a payday loan.

  3. How much can I borrow?

    Each individual lender will determine how much you may borrow based upon their own lending criteria. Typically, payday loans do not exceed £1,000.

  4. What information is required in the application?

    To successfully file the application on our site you need to provide some basic personal, contact, employment and financial details.

  5. What is the process of applying for the service?

    To start the process, you need to fill out the online application placed on the site and submit it. The data entered in the application will be sent to our panel of lenders, who will determine whether to extend you an offer of credit based upon their own lending criteria. If you are unable to be matched with a lender, you will be given the option to continue your search for alternative financial service providers.

  6. Is my personal data kept private?

    All sensitive details transferred between SterlingStore.co.uk and your browser are totally secured as we use SSL encryption technology and other security measures to maintain the confidentiality of your personal information.

  7. Is any faxing involved?

    Although the initial application process occurs online, individual lenders may require you to fax / post / e-mail additional paperwork. The process will be determined by each individual lender.

  8. Am I obliged to take out a cash loan after submitting the application on your site?

    No, application submission doesn’t oblige you to take out a loan. When you file your application on our site, you show your wish to get approved for a cash advance and be contacted by the lender directly for a further detailed discussion. You may cancel your loan request at any point until you have agreed to the lender’s terms.

  9. How will I know that my application is approved?

    When your application is reviewed, the lender will contact you to inform of your loan status.

  10. How soon will I be able to access the money?

    This will vary based upon your individual lenders. Some lenders may be able to provide the funds as soon as the next business day; others may require two to three(or more) business days to provide the money.

  11. When will my payday loan come due?

    The repayment date is often scheduled on the borrower’s next wage day (typically between 8 and 25 days). But this will depend upon the terms set by each individual lender. Please carefully review the individual terms and conditions offered by any lender that you may be matched with before agreeing to them.

  12. What if I can’t repay my payday loan on time?

    You may ask your lender for a loan extension if you can’t repay your cash loans on the due date. But, your individual lender’s own practices and policies will determine how they handle your individual situation.

  13. What if I want to repay my loan earlier?

    If you want to pay your pay day loan before the due date, contact your lender.

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