Based in London, Peachy is a direct lender and offer short-term loans between £50 and £500 to its customers. You can apply for a loan from Peachy via your laptop, PC or your mobile phone. The application process is quite simple. They have a safe and secure environment, so, whatever details you submit, you can rest assured that it won’t be shared with anyone. With multiple repayment options of five to 30 days and up to 5 months, you can choose whatever suits you the best and repay them.
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Before you apply, you need to meet their eligibility requirements as follows.
- You have to be 18 years at the time of application
- You need to be a resident of the UK
- You need to have a UK building society or a bank account, along with a valid debit card
- You need to have an email address and a mobile phone
- If you have a CCJ or a couple of CCJs in the last six years, then you’ll not be able to apply for loan
- You need to have a regular income of at least £600 per month.
If you meet all the above requirements, then your next step is to apply for the loan. Applying online at Peachy is quite simple. By completing a couple of steps, and once approved, the cash will be credited in to your account within a few minutes.
It’s a one-off procedure and completely free to apply for a loan at Peachy. First, you need to choose the amount you wish to borrow on their calculator that’s available online. You can choose up to £500. Next, you need to select in how much time you’ll be able to repay the loan. In short, for how long you need it.
By selecting these two options, the loan terms will be displayed just under the calculator. Once you’re satisfied with what you see, you need to click on the ‘Apply Now’ button. You’ll be taken to a registration page where you need to fill in your bank, financial and personal details. These details are required for your identification plus to run the required credit checks.
Once you’ve registered, you’ll receive an email from Peachy with a link to activate your account. A password will be sent to your mobile. Next, Peachy will process your application. In certain cases more relevant details may be required. In such a scenario, a customer service agent will contact you.
Once your loan is approved, the money will be transferred into your bank account within 15 minutes. Certain banks take longer to process and it may take up to an hour for the money to reflect in your account.
On the pre-determined due date, the money will be automatically withdrawn from your account to repay the loan. However, if you have some extra cash before the due date and would like to make the payment before, all you need to do is send a text message saying REPAY to 68899.