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Wage Day Advance

Wage Day Advance was formed in 2004 to provide financial assistance for people who need some extra bucks before their next pay day. The company has over 150 employees in the UK and over 3,000 employees spread across the United Kingdom, the United States, and Canada.

What to expect from them

Responsible lending: While providing loans for their customers, they also put in practical measures to ensure that their customers do not borrow beyond their ability. This will prevent such customers from facing compounded woes as a result of the new debt. After assessing a customer, they will lend him what they deem fit for him.

Transparency: The whole transaction is done with transparency in mind. They do this by highlighting the potential risks associated with taking a loan as well as the benefits. This will help customers to make an informed decision that is based on accurate information rather than blindly take a loan.

This is also extended to the area of charges. No hidden charges are used to exploit customers. According to the company, the only charges are found on the pages of their products and others explained during their communications with their customers.

Timely assistance: sometimes, things may not work out as planned. This may affect repayment.  If that happens, Wage Day Advance has a way of helping such customers to handle such unexpected turn of events by discussing with you the possible repayment options that will suit your present financial status.

Approachable: You can contact them at your own convenience as they are always available to contact and seek assistance from. Their opening hours are:

  • Monday to Friday: 8am-8pm.
  • Saturday: 9am to 5pm.
  • Sunday: 10am-4pm.

If you want to get in touch with them outside the opening hours, you can put a phone call across to them and get the needed help as soon as possible.

Types of loans

Wage Day Advance has two loan plans for their customers. They are:

  1. The WageDayAdvance Loan: This loan option allows the borrower access to between £80 and £1,000.  New customers are restricted to a maximum loan amount of £500. This loan has a daily interest of 0.8% and can be paid in three installments. You can repay your entire loan or some part of it earlier than agreed without attracting an extra charge.
  2. The Advance Plus Loan: The loan amount is within the range of £100 and £1,000. You can pay this loan in 6 months with a daily interest set at 0.8%. You will not be charged for late payment if you are on this loan.

Special assistance

The company has a special program for those who are struggling with their payments. While those who fail to intimate the company about their financial difficulties that may make payment impossible at a particular time, those who call them in advance are given special assistance that will help them.

For individuals who need special financial counseling, the home page of the company contains a list of organizations that are ready to provide debt management advice for free.

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