Payday Loans - Unsecured Loans - UK Loans

Unsecured loans are the open gateway of money for those who are unable to pledge any security against the borrowed money and it is necessary for them to take money. If you want to cope with your urgent needs, you can borrow these loans because of their no credit check feature. We, at first choice loans have tailored these loans for your sake so that you could also be able to handle your unfavorable condition with no help from your kith and kin. Hence, feel free in applying for these loans through us.

Unsecured loans are the wonderful loans, which enable you to borrow money within next 24 hours after filling up an online application form. The process of availing these loans is quite fast due to online method that keeps you away from any hectic process. When you apply for these loans, we approve it as soon as possible because there is no need to fax any document in order to obtain these loans.

While availing these loans, keep the fact in your mind that the interest rate of these loans is higher due to their unsecured and short-term nature. Moreover, you can also apply for these loans even when you are having arrears, bankruptcy, defaults, CCJs, insolvency and so on. The online way of gaining these loans is the best and fastest way because it takes only a couple of minutes.

Well, with the aid of these loans, you can go with a loan sum from 100 pounds to 1500 pounds for time period up to 30 days. You can repay the loan sum after getting the next payday in your hands and it is good for the working people who get salary once in a month.

For any more detail about the unsecured loans, you can contact us at first choice loans. Visit us now!

A debt settement letter is a formal letter that is wriiten by the debtor to the creditor so as to negotiate the total amount of the debt or extend the time period or reduce the interest rate of the loan. Therefore, it is essential that the debtors write convincing debt settlement letters to the creditors. This article highlights some useful tips that can help the debtors to write a convincing debt settlement letters.

Tips to write a settlement letter
The five tips that can help the debtors to write convincing debt settlement letters are given below:

• Be precise: The debtors should write the debt settlement letters within few pages. The settlement letters should be short and straightforward. The creditors don't have time to read long letters. In the very first paragraph of the letter, one should write his full name, address, contact details, account number, current interest rate, total amount of debt.


• Be honest: The debtor should clearly explain that he is very much interested to pay back the loan. He needs to explain why he is not being able to make the minimum payments in the last few months. He can even enclose some documents with the letter as proof.



• Be specific: The debtor should specify the date (within the current month) by which he will be able to make the payment. He needs to specify the amount of money that he can afford to pay. However, the amount should be at least 50% of the outstanding debt or the creditors may not even accept the letter. He should also specify how the payment will be made – lumpsum or by installment.


• Be polite: The debtor must convey the message in a polite manner. He cannot show his anger or use threatening words in the letter or the creditors will reject the letter immidiately.


• Be strict: The debtor should clearly state that the creditor should report his debt as “paid in full” on his credit file after he has made the payments.
  These are the five tips that can help the debtors to write convincing debt settlement letters which can lead them to a successful settlement.

Bad credit history of the salaried people does not become a barrier when they need some monetary help immediately. Payday loans bad credit is the product especially designed for quick approval of an amount. The loan amount is instantly approved and provided to them within 24 hours into their bank checking account for any urgent or routine purpose.

However, usually, salaried people who are drawing monthly salary for past few months at least and have an active bank checking account are eligible for these loans.

Though you have made multiple mistakes of late payments, default and have CCJs, still payday loans bad credit is promptly given for your typical circumstances. The lenders do not enquire about your past payment behavior and do not make any credit checks. So, these are ideal loans for millions of employed people who carry a very low credit rating.

You can promptly borrow an amount ranging from £100 to £1500 for a short period of two weeks, until your next payday. The loan finds its use generally for family emergencies but routine purposes like paying off electricity bills, repairing a car, tuition fee etc are also reasons for borrowing the money. The loan amount is approved for 14 days, until your next payday.

Another advantage is that you are allowed to borrow payday loans bad credit without any security offer to the lender. Only a post-dated cheque to the lender is considered enough to let you borrow the amount promptly in the same day. The cheque having the loan amount plus interest payment can be redeemed on the due date if you choose to repay in cash.

Payday loans bad credit is instantly approved without any credit checks when you need instant cash in the same day. Its repayment can be made from next paycheque.

You should pay attention to the high APR on payday loans. Try to find out some affordable online offers that require you to pay interest charges at competitive rates. this will lower burden on next paycheque to some extent.

Payday-loans bad credit is surely ideal solution for bad credit history, but ensure timely repayment. Avoid extending of the loan beyond the next payday, as it may be burdensome for your circumstances.

With the arrival of Christmas, the list of items to be purchased go on increasing. The owner of the celebrating family often finds that his expenses have reached beyond his sources. Every time family can not have the savings for the occasion and it is not wise to invest all the savings as the urgencies may occur even after the festivals are over. So, in such a case Christmas loans have become a necessity.

One does not go for Christmas loans just for the sake of keeping savings. Such type of loans in fact, makes it possible for the borrowers to celebrate the occasion to great extent without any tension of spending the money. This becomes possible as Christmas Loans not only offers the required money but also the borrowings at easy terms.


Christmas loans are provided in such type of way that every kind of person can easily approach the lenders. These type of loans comes in two forms – secured and unsecured. People who required bigger loans to meet their huge expenses can go for the option of secured loans. The main advantage of secured loans is that interest rate is lower on such loans. Applicant is required to place his property or automobile as a collateral to the lender while applying for such loans.

To conveniently pay off the loan, the repayment period is also larger.
People like non- homeowners or tenants generally do not require large amounts, they can peruse for unsecured Christmas loans. The rate of interest charged by the lender may be a bit higher on such loans but these days due to the higher competition, you can find unsecured Christmas loans at lower rate of interest. The loan seeker is required to do some research to rind the appropriate lender.

Lender offers such loans even in case of bad credit history of the borrower as they do not like to deny them for the loans on festivity. But the borrowers are required to follow the certain terms and conditions regarding repayment capability. It is required to display your bank statements and income source from past months in order to assure that you carry the fixed source of income. In secured Christmas loans, bad credit is not considered as risk but in case of unsecured, there are some risks involved.

So it is necessary for the borrowers to pay off their installments of loans regularly in order to reduce the burden of such loans.


Christmas loans are offered for festive occasions. The borrower must consider every aspect of the loan before making a deal. These loans are in two forms – secured and unsecured. Lenders also offer such loans even in case of bad credit history in order to assist borrower to enjoy their festivities.

Christmas is the festival to enjoy with friends and family. You could find yourself very unhappy on seeing that your salary is not enough for such huge occasion. For this occasion, Christmas cash loans, are designed to meet he specific needs of the loan seekers. With these loans the borrowers can easily meet their various requirements like buying a Christmas tree, going on vacations, gifts for your children, buying new clothes, party arrangements, home maintenance and many more.

You can get such type of cash advances by fulfilling simple terms and conditions. As a borrower, the age of applicant must be 18 years or more and must have the citizenship of UK. There must be a valid bank account in applicant name that could be helpful for further transactions. The income of applicant must be 1000 pounds or more. The approved amount is deposited directly into the borrowers bank account.

One can avail this loan easily on easy terms with great benefits like no credit checks. Its a golden chance for the bad credit holders to acquire such a loan. All bad credit holders like defaults, arrears, late payment providers, missed payment providers can easily get this loan. There is no requirement of any type of collateral to pledge as this loan is totally asset free. Minimum amount of paper work and documentation is required for such loan. You can easily get such loan in the range of 100 pounds to 1500 pounds. This amount is required to be paid back within a month.

Through online lenders you can easily get this loan. Easy finance options are offered by such online lenders for your Christmas requirements. These lenders have their own websites that offer you amazing and exciting features. As a borrower you can do all the research work to get this loan and to secure the best deal ever. Due to its short term criteria this loan offers high interest rates.

Christmas cash loans are available on the online mode in the Internet. You can apply for such loan through application form available online. You need to fill some personal details like name, contact details, address , email ids etc in the application. This ensures quick approvals. The rate of interest could be high on such loans for the bad credit holders but considering the urgent requirements of borrowers they are quite affordable. Thus these loans could be termed as a better way to celebrate you Christmas festival.

Christmas cash loans are designed to meet he specific needs of the loan seekers. With these loans the borrower can easily meet their various requirements like buying a Christmas tree, going on vacations, gifts for your children, buying new clothes, party arrangements, home maintenance and many more.