31.com Faq's

How do I apply?

Complete our quick and easy online form. If you are approved you may be asked a few quick questions by one of our trained operatives and then sign your loan agreement.

When will I get my funds?

The funds will be transferred straight away; if it's before 3pm then you will have your funds today. If not, then they will be in your account on the very next working day.

How will I get my funds?

It will be paid directly into your bank account.

How long does it take to apply and receive my funds?

In the vast majority of cases it only takes a few minutes to approve an application including signing for it. However, in some cases it may be necessary for you to provide additional information but even when this happens it still should be taken care of in under 30 minutes.

What are your eligibility criteria?

If you are 18 or over, in full time employment earning £750 per month or more, you are likely to be eligible. You will need a bank account that accepts direct debits and we are required to prove your identity.

Why do you need this information?

We only associate with responsible lenders and as such we are required to verify that you are who you say you are. That you are in full time employment and can afford to repay the loan. That it is your account we are putting the money into.

Do you use credit scoring or credit reference agencies?

No we do not use credit reference agencies to score your application

I have bad credit history - can I still apply?

Absolutely, we are not basing our decision to lend to you over the long term (12months or more) therefore we are only interested in your present circumstances.

How do I pay back my payday loan?

We will take your payment via direct debit on your next payday.

Can I defer my Payment?

Yes - although after deferring the payday loan twice we will ask you to start reducing the balance. Deferral will incur new charges for every month the loan is deferred - but still at our fixed rate - there are no dditional charges.