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SafetyNet Credit Alternatives

edited 30 November -1 at 12:00AM in Loans
60 replies 54.7K views
Sky_ShrimpSky_Shrimp Forumite
41 posts
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edited 30 November -1 at 12:00AM in Loans
My new job pays monthly instead of weekly, so I needed a small loan of £250. My bank refused to temporarily increase my overdraft due to a default on my credit rating/score. The bank told me not to apply for any loans for 90 days after that application.

I Googled payday loans and tried a few but got turned down. Then I found SafetyNet Credit. They wanted my bank login details which was strange, but I applied for £300 and immediately got £150 in my account. All the other PayDay lenders are refusing me. Is there another one like SafetyNet that I could try to get £50 to £100? :beer:
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  • dresdendavedresdendave Forumite
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    Sky_Shrimp wrote: »
    My new job pays monthly instead of weekly, so I needed a small loan of £250. My bank refused to temporarily increase my overdraft due to a default on my credit rating/score. The bank told me not to apply for any loans for 90 days after that application.

    I Googled payday loans and tried a few but got turned down. Then I found SafetyNet Credit. They wanted my bank login details which was strange, but I applied for £300 and immediately got £150 in my account. All the other PayDay lenders are refusing me. Is there another one like SafetyNet that I could try to get £50 to £100? :beer:
    Surely your bank's terms and conditions prohibit giving your log in details to anyone else?
  • Sky_ShrimpSky_Shrimp Forumite
    41 posts
    Seventh Anniversary 10 Posts Combo Breaker
    Probably.

    Giving them your bank login details fast-tracks the process. You don't have to give them any additional ID. I'd like to know of other lenders that fast-track as I need the funds today ideally.
  • keepcalmandstayoutofdebtkeepcalmandstayoutofdebt Forumite
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    Try your nearest credit union, round here you would pay a fee of £5 to open an account but are offered an application service straight away.

    With you changing jobs could you check you aren't due a tax rebate? Last 2 summers within a couple of weeks leaving/starting new job HMRC have written asking me to claim back. (P800 notice.) I couldn't believe the figure of the latest rebate. Stuff giving access to your bank details. :(


  • Sky_ShrimpSky_Shrimp Forumite
    41 posts
    Seventh Anniversary 10 Posts Combo Breaker
    Thanks. I didn't know about credit unions, but mine is closed today. I didn't earn over the personal allowance last year so I won't get a rebate. I get paid in 6 days and just needed some cash today.
  • Richey_Richey_ Forumite
    334 posts
    Why so urgent and why today? Do you have a good night out planed?
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  • edited 19 August 2017 at 4:49PM
    Sky_ShrimpSky_Shrimp Forumite
    41 posts
    Seventh Anniversary 10 Posts Combo Breaker
    edited 19 August 2017 at 4:49PM
    I'd like to get my Oyster Card, go out for a few beers and do a food shop in Tesco. I've been doing 11 hour shifts and forgot about my eBay fee. It took me £16 over my limit :(

    I've been trying to get a loan for 4 hours since my last post. One company agreed but couldn't take 0.17p from my account as I'm over by £16.
  • Robin9Robin9 Forumite
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    £250 is an awful lot of beers. You cant afford it.

    Stay at home and raid your kitchen cupboards.
    Never pay on an estimated bill
  • Robin9 wrote: »
    £250 is an awful lot of beers. You cant afford it.

    Stay at home and raid your kitchen cupboards.

    £250 is not enough with some of the nights out I've had :rotfl:
  • Sky_ShrimpSky_Shrimp Forumite
    41 posts
    Seventh Anniversary 10 Posts Combo Breaker
    I was applying for £100 :beer:
  • Pixie5740Pixie5740 Forumite
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    Sky_Shrimp wrote: »
    Probably.

    Giving them your bank login details fast-tracks the process. You don't have to give them any additional ID. I'd like to know of other lenders that fast-track as I need the funds today ideally.

    Are you off your head? You should never, ever give your online banking login details to anyone else least of all some shyster sub-prime lender you only just found online. Change your online banking passwords immediately and then head on over to the Debt Free Wannabe board for tips and advice on how to budget properly.
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