Pounds To Pocket

From
Summary

Good:
You can get up to £2,000 in your account within 1 hour

Bad:
High interest rate compared to other personal loans

Verdict:
Very high APR but the convenience of the speed of the money being paid out may outweigh this if you really need the loan - don't need to send documents in so it is a really easy process

Pounds To Pocket offer unsecured, personal loans between £300 and £2,000. They do carry out credit checks. You cannot have any CCJ's, charge-off's, be on Debt Management, on an IVA or bankrupt. Their APR is very high compared to other unsecured, personal lenders so have a look around and see if there is a better option for you before you apply.

You can apply online with their four-step application form. Once you have completed the first two steps of the application form, they will tell you if you have been accepted or declined. If you're declined, they may recommend another company for you to apply with - you don't have to continue with this company as you may end up being credit checked twice. If you are accepted, they will contact you and you will need to sign an online loan agreement. You will then need to give them your bank account details where you want the money to be deposited. They money will then be transferred into your account within one hour - providing your bank has Faster Payments and you applied before 10:00pm. If not, the money will go into your account on the next working day.

How much will it cost to repay a Pounds To Pocket?
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Loan Details
Representative APR
399%
Loan Amount
£300 - £2,000
Repayment Period
Loans from £300 - £2,000 - 12 month terms
Repayment Method
Transferred into your bank account
Speed to Payout
Approved between 3am and 10pm - 1 hour (providing your bank has Faster Payments)

Next working day if you are approved after 10:00pm
Arrangement Fee
-
Payment Holidays
None Available
Income Protection Available
No
Average Customer Review
Acceptance Criteria
  • You must receive an income through employment or self-employment
  • You must be 18 years of age or older to apply
  • You will need to provide: employment and income details and your bank account details
  • You must be a UK resident
  • You must hold a valid bank account with debit card and direct debits
  • Your minimum income must be at least £700
  • You do not need to have a good credit history


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