Payday loaners payable at a specific date

idleworshippmore

Hello, I am very interested in taking out a few hundred quid loan from a payday site but as I am a student, I get money from student finance (the government),I will only be able to make payments from January 2018. I cant start payments until then, anyone know which online payday site offers this ?

PS; I can 1000% pay it back even all at once, I get a lot of student finance income but bought something ridiculous last week I'm getting a loan regardless so please don't persuade me not to thank you

[Deleted User]

None of them.

Shakin_Steve

You may be getting a loan regardless, but it won’t be until a month before you can make your first repayment.

[Deleted User]

OP have you considered applying for a CC with the bank you student loan goes into or an O/D if you don't have one?

BrassicWoman

idleworshippmore wrote: »

PS; I can 1000% pay it back even all at once, I get a lot of student finance income but bought something ridiculous last week

sell the thing you bought. It is ridiculous therefore you do not need it.

System

idleworshippmore wrote: »

Hello, I am very interested in taking out a few hundred quid loan from a payday site

You'll wish you hadn't any time in the 4 or 5 years following when you try to get credit at a realistic price from a mainstream lender or you want a mortgage.

but as I am a student, I get money from student finance (the government),I will only be able to make payments from January 2018. I cant start payments until then, anyone know which online payday site offers this ?

None.

PS; I can 1000% pay it back even all at once, I get a lot of student finance income but bought something ridiculous last week I'm getting a loan regardless so please don't persuade me not to thank you

If you get a lot of student finance then why didn't you have the money? If you repay it out of January's money then you're going to be running out of that before the end of the Semester and you'll be back on asking where you can get a payday loan. Quite clearly you cannot see the mess you've got yourself in with your purchase.

Oh and you do realise with a payday loan you usually end up repaying at least double what you borrow so that thing you bought for £1000 would cost you £2000 in repayments? I get the feeling you wish you'd not spent what you had on it but you'll be even more annoyed when it'll ultimately end up costing you twice what you paid for it if you get a payday loan.

Sell something, perhaps the stupid thing you bought. Go get some part time work, there's plenty about at this time of year. Getting a payday loan will monumentally screw you in ways you can't even imagine. You might as well have a credit file filled with CCJs because payday loans are a massive red flag to any lender.

cjmillsnun

Don’t do it. A credit card even a credit builder one like Aqua is a much better option. It’s cheaper interest wise. Even better is a part time job or the bank of mum and dad.

A part time job in retail is easily obtainable right now as many retailers take on extra staff for Christmas and students are normally who they target. You will have to juggle this with your course however it is better than any payday debt.

One comment I’ll make where I disagree with the others. I have payday loans and home credit on my file as well as defaults. They have less of an effect after 3 years once you break out of their cycle.

I have a mortgage with a major high street lender which was obtained despite the information on my file.

Sncjw

Can you not just return the thing you bought.

[Deleted User]

idleworshippmore wrote: »

Hello, I am very interested in taking out a few hundred quid loan from a payday site but as I am a student, I get money from student finance (the government),I will only be able to make payments from January 2018. I cant start payments until then, anyone know which online payday site offers this ?

PS; I can 1000% pay it back even all at once, I get a lot of student finance income but bought something ridiculous last week I'm getting a loan regardless so please don't persuade me not to thank you

Smart Pig. https://www.smart-pig.com/