Everyday Loans

"dont go near!" Dan , Wigan
if you go to your bank or any other lender for a consolidation loan they wont touch you if you have used everyday loans, it seems everyone in the financial world does not like to deal with them!!

"Scum bags" Christopher , Doncaster
Not only do they force you to take out PPI they have a nerve to charge you interest on the documentation fee. The branch I went to would not give me the monthly cost of a loan without PPI. I think what we should do as customers is all stop paying, cancel your direct debits in protest and bring this loan shark of a company to it’s knees.

"loan sharks" A Watts , weston super mare
Stay away I have been at logger heads with these guys for 3 years now I have refused to pay for 2 years on account of the cockups they have made breach of data protection, hidden charges, unfair relationship miss sold ppi the list goes on. I refuse to back down I was in the process of taking them to court but the my solicitors went out of buisness. they wont take me to court because they no I will open up a can of worms yet they refuse to give way. not to worry little by little i am building a case against them my self. all evidence has been supplied by them an they are to stupid to even realize. should be a good day once i get them in that court room. best but I have is a voicemail form one of there old managers bristol branch complete knob. he didnt even no his phone rang me an it went to my answer phone an you can clearly hear him talking to another member of the team disscussing how they can cover up a cockup an what excuse they can use etc an still charge the customer for a problem that they caused its priceless. another if they are reading how can i owe 12k one month ona 4k loan the 4 days later owe 7k i must have made one hell of a payment in 4 days. answer me this if my payment was 104 pcm howcome my statements you say this then take that amount from m,y bank then on the statement say 78 pounds recieve then charge me saying missed payment wheres the rest of my money gone con artists. an if any off you want so comedy reading request a full copy of you data protection file is priceless. i let you no when i get them in a court room STAY AWAY TO ALL

"Loan Sharks" Guest , Cardiff
Hi Guys, Please stay away from this company, the employees are trained to lie just like the Everyday Loans calculator. A loan of £2000.00 taken out for 24 months at 88.5 % APR = £180.16. All the good comments you see here are written by their own staff. This company are loan sharks based in posh offices.

"shocking customer service" stacey , tyne and wear
Were great setting up my loan got money pretty quick, but its the after care that's the worst! 4 month before my loan was finished they rang and asked if I wanted a top up and with an up coming event I thought yes I will so made an appointment. But after some more consideration decided against getting into more debt especially with there interest rates! So called to cancel and the abuse I got for letting him down and he was counting on this loan was terrible. He in the end slammed the phone down on me disgracful ppl avoid like the plague

"WARNING "pass them bye"" jim , glasgow
it looks to me that staff seem to be adding the reviews so do yourself a favour regardless of how bad thing are dont get involved. Sneeky way of signing me up and after you have signed, dont bother with ant help as they are not interested. Tell you one thing and deliver another. Please Please Please stay away if this has helped one person avoid these people then i am happy. The also tell you about the APR then hit you with a larger APR by then you are stuck and wouldnt let me take the paperwork away to think about it.

"Rip off" Eddie , wakefield
Beware of the charges. And they force you to take out PPI.The positive reviews on this site are written by there own staff.

"Super Service" Elle , Wolverhampton
Super service from wolverhampton branch. Kele who dealt with me was friendly and efficient and made me feel valued as a customer from the moment I walked in. All repayments and extras were explained in full with several options availiable to me to suit exactly what I needed. Wold happily use again and would reccomend to anyone.

"RE: loan taken out with Rachael of everyday loans,Bolton,Branch." Mr P Sourbutts , Colne,Lancashire
We found Rachael Of everyday-loans,Bolton Branch,to be professional,genuine,friendly,helpful,&,caring when being given advice by herself & on us applying for a loan. We would recommend her as she is brill!! at what she does & definately knows her stuff!!

"We liked the service..." ZandS , Manchester
The people at Everyday Loans were very polite and helpful. Especially Rachael at the Bolton branch. She did her best to help my husband and I. Rachael made us feel really relaxed and answered all our questions professionally and honestly. Instead of giving us all the money in our account, they made out two cheques to our credit card companies (to make sure we pay them off) and the rest in my account. In my opinion that is very responsible and my husband and I were impressed at the overall customer sevice in general. I can't review for the 'Speed to payout' yet, as we only sorted this yesterday, but I'm sure all will be well if the service yesterday was anything to go by :)

"What A Con" Richard Coleman , Stamford
I decided not to go ahead, good old Sainsburys passed my information to these sharks. mmmmm Sainsburys at 6.1% and these clowns at 94% Apr. £10000 over 5 years - repay £ 33000!!!! Just avoid them and sell your mother, it would be alot cheaper !!!!!!!!!!!!!!!

"Liverpool Branch" Lisa Finn , Liverpool
Very happy with service found Lisa to be very helpful, and informative, and a pleasure to deal with. Would use and reccommend us again.

"con" Darren , Chester
AVOID THIS SCAM OF A COMPANY VERY ARROGANT AND RUDE STAFF ONCE YOU PHONE THEM FOR HELP AFTER TAKING OUT A LOAN STAY CLEAR

"Crao company" Ian , batley
They treat you like dirt and embarass you. plus they will only give a loan if u take ppi satw away from this con of a company

"professional friendly non judgemental and very helpful" paul , preston
After a couple of phone calls with racheal at the bolton branch she invited me in to the office to see if she could help me not only to try and sort out aloan but also to work out a plan to repair my credit score. I must say i was blown away with the whole experience after sorting out a coffee she went through in detail all my financial needs and was able to organise the exact plan I needed their was no rush and she made sure i understood every last detail even the fine print. I would have no hesitation in recommending the company and if all branches are encouraged to treat customers the way I was then getting help would be easy. Thanks again Racheal speak soon

"RIP OFF" Julia , Manchester
They are only your friend when you take out a loan with PPi. And when ever you phone them while your loan is active the staff are arrogant and treat you like scum.

"What a bunch of timewasters" Stuart , Ashton under lyne
Spoke to a rep/salesperson from Get turned down Everyday loans. Over the phone they are so nice to you and seem very professional. Right up to the point you arrive at the office. Then you are no longer a person. To their staff you are just a mug who has turned up to be ridiculed and embarrassed before they let you know that you have wasted a journey. The whole experience has put me off getting a loan all together. It would not suprise me if mine and anybody elses interviews make a greatest hit for the staff to see who gets the best bonus for a making a member of the public be ridiculed by a complete stranger. If your looking for a loan then do not waste your time applying at everyday loans. Buy a lottery ticket you have a better chance of getting something out of it.

"Awful to deal with when issues, and missold PPI" Tony , Coventry
Went to Everyday as havent got the best Credit history, Iniatially despite very high APR all has been good, Wasnt very happy that I was (inprincipal) offered £5k but then when I got to branch we was offered £3500 and was told then we must have PPI as we havent got sufficient insurance ourselves! Even though we raised our concerns we were told its that or nothing, When your desperate what else can you do... We paid the loan of last year, havent used the PPI, see Watchdog and beleive we have a case, Everday seems to feel we dont. Anyone her had similar issues? after my initial phone call I feel delfated, their use of big terms and jargon has confused me

"liverpool branch" Your name mr philip lynch , Your town skelmersdale
the liverpool branch and the staff were excellant at what they do, they had all the forms ready to go through them, lisa was very efficient and happy and very cheerful in the whole of the interview, and had a excellant cheerful mannor.

"Proffessional, Friendly & Helpful" Zara , Newcastle
I have used Everyday Loans on three occassions and have always found them to be very helpful and the staff go out of their way to advise on what your options are. I agree that the APR is high but isn't it everywhere at the minute? The reason your bank statements are looked at in such detail is to ensure as a responsible lender does, that you are able to afford to make the monthly payments. Basically you aren't going to be suitable for a loan of £5000 if you have no proof of credit history...Anybody could see that surely. I would highly recommend Everyday Loans and the staff in the Newcastle branch I find are always very helpful, proffessional and friendly.

"fantastic company!!!" rosie nesbitt , liverpool
i have been a customer with everyday loans for 2 years. when i first applied for a loan my credit rating wasnt great but with the vast amount of knowledge from the friendly advisers at the liverpool branch,, they were able to come up with a suitable amount that i could comfortably afford. Over my time with every day my credit rating has drastically improved and they have been able to adjust my repayments to offer me a better financial deal as well as being able to offer me a larger amount of credit. the staff are always very approachable wetaher it be by phone or face to face and i always feel that iam being given excellent advice whenever i speak with them. most of all everyday are always there with a friendly smile whenever i need them most! especially Jo!

"There when all the other computers say NO" Alan , Manchester
I have been with everyday for over 2 years and have never had a problem with them the branch i use have great helpful staff and treat us great. Thay have always been upfront and take time to explain the jargon but don't treat you like a idiot they look at our finances and work out if we could aford the loan and a disision was given there and then. they are not like the banks we felt like a customer.

"good honest proffessional company" leigh and shaun , wolverhampton
We wanted a loan to help with our home improvements, everyday loans gave us the opportunity to get our home the way we want it, a very good and honest proffesional company, many thanks.

"Honest Company - nothing hidden" James , newcastle
The staff were entirely honest and upfront with me and there were no hidden costs.

"STAY AWAY" Dee Sharm , Oldbury
I borrowed £1500 for 18 months, when i had 6 months remaining they phoned me to say i could borrow more, as i was going holiday i agreed and took extra £1500 but after settling my existing loan, it left me with £800, they settled the existing loan with the new loan, so im still repaying the loan to this day - i took the new loan £800 + settlement from existing loan and i am now nearing the end of my 24 months, i have paid an extra 1900 to them in VAT, everytime i phone up to ask how much is left they give me a trippled figure - i pay £116 a month, i have until june -i should in total for the next 4 months be paying £464 based on my monthly payments, but i was told i had 1500 still left to pay??? they dont tell you how it works, i calculated this myself - they also told me that if i dont take PPI my payments will go up - how?? i will be contacting my solicitor to deal with them. I was stupid to take this loan - i took it to pay my university fees in my last year of univiersity - i no longer need the loan and i can afford to pay it all off in one go as i have a good career, but when you phone them to settle the figure they give you a random high figure, i have phoned three times and i have had three different figures quoted. stay away please, or do not take PPI at any cost, it does not raise you monthly payments, or protect you you end up paying PPI an extra £1000 on top.

"good professional company" Craig , Northolt
Was loaned 4k very quickly with repayments that were easily affordable to me. My credit rating not great but i earn a decent wage so this was a good option for me. I can not understand people who whine about how much they pay back. It was made very clear to me how much i would have to pay back each month and if you know you can't afford the repayments don't take the loan and if you have to take the loan and you have bad credit you should be grateful you are able to get one at all.

"DO NOT DO IT" Jo Heaven , Cardiff
They loaned me 2K two years ago i've paid now 4K back and aparently I still owe another 2K!!!!! how the hell does that work!!!!!

"shocking customer service" ano , gateshead tyne and wear
Terrible interest! Got a 1,500 loan over 2 years paying 170 a month, 15 month in they persuaded me to go for another loan but after a long think I decided why? I did'nt really need it be silly to get into more debt for no reason so didnt go. Next day a young gentleman rang and asked if I wanted to renew app n I see no I don't want the loan anymore and the abuse was shocking. Ranting he'd been counting on me getting that loan and id let hm down. Terrible ppl, terrible interest. Worst mistake ever!

"Would not recomend" lea , Bristol
I was conned into paying PPI , AFTER i signed the agreement forms she put a check mark into the box to say i wanted PPI thinking i wasnt looking.... i told her i was completely against having PPI and she said i had to have it for 30 days and if i was serious about not having it then i could send her a e-mail to stop paying for it, which i did. i sent the lady several e-mails , text messages and voice mails which was ignored. When i did get through i was still paying payment protection and nothing had been altered.... you DO NOT recieve monthly statements to let you know ho much you have paid off.. The payments were weekly and promised to be taken out on a friday, they are still to this day being taken out on a wednesday. The APR on the loan is extreamly high!!!!!!!!!!! The only good thing about this loan is after 3 months it has given me a better credit rating to be OK'ed for a new loan elsewhere which im going to take with open arms :) It makes no difference to me if you choose to take out a loan from this company but i feel so strongly against this company i would sincerly tell you to avoid like the plaugh.... but its only my opinion xx

"Warning please read" Annonymous , oldham
Very friendly staff who helped me obtain a loan of £2000 over 2 years with the repayments adding up to around double the original loan amount. When i said the APR was a bit high i was assured that this was only temporary and it would be reduced after 3 months making the repayments more manageable, however when 3 months were up i rang back to lower my APR, i was then told i would need to borrow more money in order to reduce my repayments!!! sounds good doesn't it!!!! i didn't need more money just a lower APR!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!, after a long conversation i was persuaded to take more money out at which point i was told i didn't qualify for any more money and would have to try again later in the year. I was lied to at the time of taking out the loan as i only accepted it under the impression i could lower the APR soon after. BE VERY CAREFUL

"warning" anonymous , birmingham
seem professional, but interest rates are extortionate!!! i wish i could turn back clock,this was BIG mistake for me!!!!

"b******s" trisha , bromley
absolute b******s, stay poor!!!!! thieving b******s

"warning" annonymous , mancester
loan sharks with an office !

"WARNING" paul , OLDHAM
Dont do it, very unprofessional. May seem nice at first but they are loan sharks who simply have an office !

"Insurance miss selling!!!! Be careful" Sarah , england
I Recently visited everyday loans, My first impressions where good the staff where very professional. However be very carefully ! I informed the staff member from the beginning that at I didn't wish to take ppi but they didn't listen. I understand as responsible lenders that they have to through the form. however the most shocking part was to come.... Due to me not wanting to take the ppi the longest time I could take a 5k loan over was 13 months due to the risk to the business. Which made my payments over 400 per month the member of staff said basically told me if I took ppi out I could take it out for longer. Never before have I heard anything like this I will be seeking further advise from the fsa and hope if this has happened to any one else they do

"Backhanded" Tom , Bristol
Everday Loans are very unprofessional. I was told that unless I bought PPI with my loan I would more than likely be viewed as an irresponsible borrower and less likely to be approved for the loan. I was then asked questions such as would I want my parents to be responsible for my debt if I were to die to which I answered no and this was put down as a reason to justify me having PPI. I then told them that I already had PPI with a credit card and they told me this does not count. I then had to sign a form regarding the PPI which effectively justifies their actions and covers their backs. They never reply to letters and instead bombard you with calls again I assume to cover their backs so they can lie and fob you off without any proof as to what had been said. On the plus side they have in the past given me a months payment break without any problem which helped a lot but all in all crafty and unprofessional and I am sure will one day get caught out.

"efficient and simple" andy , essex
having had trouble gaining credit through my own bank i approached EDL to borrow 3500. They invited me down to the branch, i came a long with the id required and used there system to demonstrate i wasn't a degenerate gambler using my online banking. cash was with me a couple of days later and have had no further issues since. The interest rate was/is considerably higher than most but you have to take that on the chin in this instance.

"CON ARTIST DO NOT USE !!!" Leanne , newcastle upon tyne
Do not use !!! , whent to branch for meeting just to see what they could offer me credit score good no missed payments for 2years i have had credit unable to get loan from bank as age and unable to prove i was credit worthy , Person was nice that nice she hooked me in left right and centre over phone she advised to bring bank statments id etc so i could prove who i was just incase then gave me a really good deal ! well i thought sh did not go through APR and says if i dont take ppi my payments would be higher :S being desprate and with the sounds of the loan being sutiable i agreed they fish people in sounds great in branch now im stuck with .... £1500 loan pay £152.62 a month for 24 months ! never again called up foe help woman who selt me the loan no longer works there and as the words of the woman i spoke to there SALES people please keep that in mind !!!

"Very Good" Scott , Coventry
I applied for a loan for £3000 with Everyday and I arranged an appointment with an advisor. when i got there they offred me 4000 and at a nice rate so took it. It was a worth-while experience for people who have a poor credit history.

"RIP OFF" CARL , LONDON
This is a rip off if you check the ARP this is not actually whay you will be paying off, i also asked for a revised credit agreement as i took out PPI but asked for it to be removed, but this has never happened. None of these companies are honest about the interest rate, you have to know what you are expecting to repay before accpting the loan, i did infact before going to the branch ask for the interest rate but this was not given to me over the fone.

"quick and easy service" tom , sheffield
I found the overall experience quite good I went down to the local branch with my proofs of ID and with in half an hour I was signed up and gone the money was in my account 3 days later The only downfall was such a high interest rate but I suppose lending to people with less than perfect credit scores has its risks.

"Application was hard work" Callum , Stoke-On-Trent
Good Points Will lend to those with bad credit Professional appearance Bad Points High APR Face 2 face meeting Not enough offices General Comments After trying all the loan companies available for people who have a poor credit score or history, I stumbled across Everyday Loans. I gave some initial details as to what I required and after being credit checked, I was advised I was in their highest bracket and as such they could only lend £1000 (I applied for £3000). As my situation was drastic and £1K was better than nothing, I asked what the APR would be. The lady advised me it would be 88%!! Now this is even higher than Welcome Finance and is not far off the extortionate rates of such companies as Provident. The lady explained that this would only be over 13 months and hence was not as bad as it sounded and that also after a couple of months, they would review the loan amount and APR. I agreed and she asked if I could go that day. I was working so arranged for the following afternoon. I was told to take ID with me, proof of address and my wage slip (acceptable items are listed on the site). My passport had run out and my driving license was lost. The lady said that a bank statement and card would suffice to prove who I was. The rest I had and all had to be originals. I'm never keen on providing bank statements as I do not like people looking at my finances. There are criteria for loans but one of those should not be reading through bank statements. I took my statement anyway along with my card as she only required it for ID purposes. I got to the office and was taken to a room. I produced all the documentation that was required. The person I spoke to looked at my statement and said there was a page missing. The missing page only said what interest would be placed on next month. She asked if I had on-line banking to which I said yes. She asked me to go on line and print the missing page. I did this and she looked at the statement. She then asked me to print the previous month as she said the statement was not a full month (it was!!). She then asked for the previous month to the previous month.....so all in all she had 3 months of statements. The lady went away and came back 10 minutes later with copies of my statements (now for 3 months) with certain parts highlighted in yellow. I then had to sit there and explain every transaction on my statements that she had highlighted. I was grilled by her as to why I had taken money out or why I had paid in, what was the money for, why did I take out one day and put back in the same day.....what was that payment and who was it from. This went on for about 10 - 15 minutes. I felt completely embarrassed and belittled by her grilling.....of which there was no mention that they would do this. I could not remember every transaction (would you?) and couldn't fully answer some of her questions. Once I had been grilled she said the application would have to go to head office for approval but they would probably say no. In the end I wasted an afternoon off work, travel expenses and was made to feel embarrassed and belittled. Everyday Loans do look a professional and may be a good place to try if everywhere else is turning you down......but be prepared to be grilled about your finances and transactions. Also be prepared for a ridiculous APR!

"Very confused!" Lubomir
The loan I initially applied for was for £5,000. I went to an office to sign the forms when they informed me they were only able to lend £3,000. I took this because they said I could reapply in 3 months for the further £2,000... which I was turned down for.

"I felt the service was honest and competitive " Kevin , Sunderland
I felt that the service was honest and the APR more competitive than advertised. There were no penalties when I paid my loan back early and there were no extra payments here and there. It was a worth-while experience for people who have a poor credit history.

"Everyday are definitely responsible lenders " Lubomir
They meet with you on a one-to-one basis and ask you to bring along 2 recent bank statements, 3 recent payslips and a utility bill. These people are responsible lenders. I met with them on the Monday, Thursday evening I received the cheque and on Friday morning the loan was in my account

"Actual loan amount different" Kevin , Sunderland
I applied for a loan for £10,000 with Everyday and I arranged an appointment with an advisor. I was kept waiting in a room for an hour when our advisor came in and told us they could only lend us £3,000. I was a bit frustrated that they didn't tell us the truth over the phone.