What is a Just Before Payday Loan?
A Just Before Payday loan is a quick advance.
It can be of any amount from £100 - £800 which you may need to help see you through to your next pay day.
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Why should I use Just Before Payday Loans?
We are extremely flexible and fast.
Most of our customers need a decision quickly, and the money even quicker. We provide short term solutions, which are usually not available through your own bank or building society.
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What can I use the money for?
Whatever you like! It's really none of our business.
Generally, our customers use the money to pay expected bills, repairs etc.
How much can I borrow?
The amount that you can borrow depends on how much you earn, and whether you've used us before.
The customers that use us all the time can borrow up to £800. The more times you use us, the more you will be able to borrow. Most new customers tend to need an advance of £200 - £350.
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What are the costs?
Example: for an advance of £200, you would pay back £258.
Typical APR: 2220.40%
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What do I need to qualify?
To qualify you must be employed, and have been employed for at least 3 months.
You also need a bank account and a debit card and must be over 18.
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Do I have to own my home?
Not at all.
We take applications from people living in all circumstances, homeowners, living with parents and tenants.
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How long does it take?
As soon as you have submitted your application to us we should be able approve you within the hour (subject to our underwriting procedures).
If you are approved between 08:00 and 15:20, the money can be transferred immediately (we will advance your money by express payment so it is available immediately for you to use). If your application over a weekend, it may take a little longer to transfer the funds.
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I have poor credit, can I still apply?
Of course you can! We do not take any previous credit problems into consideration when deciding whether to advanace the cash.
We already know that you are employed, and that you will be paid on a given date, so our repayment is safe.
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Do I need an account with a cheque guarantee card?
No, a cheque guarantee card is not required.
You will however need to be in possession of a debit card.
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I am self-employed, can I still apply?
Unfortunately, payday loans (as the name suggests) are only available to people who are employed and receive a regular wage/salary.
However, don't despair: the chances are that JST Financial can still help you! Please click here to be redirected to our main website, where you can make your loan application.
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What if I cannot repay on time?
Please remember that we are only a short term answer until your pay day, and we are extremely flexible.
We ask that if you do have any problems, you contact us, and for a small fee, we can work out or change your repayment plan.
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Please Note: Payday Loans are short term advances and designed to fill the gap until Payday. These are as flexible as possible and can be extended by paying a small additional fee.