Representative

5410.7% APR

Please Explain this to me

The simple online service offering fast cash to help you until payday. Simply apply on our short from below to get your instant approval today!
No paperwork and no hassle.

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BriskBuck.co.uk is an established payday loans site with an emphasis on exceptional customer service. We understand that some months you will have unforeseen expenses that your salary simply cannot cover. So, whether it is money for a small home repair, an unexpectedly large utility bill, or even a new car part, we are here to help!

To apply you need to be over 18, a UK resident and have a current UK bank account. Our application form takes a matter of minutes to fill in, our dedicated team reach a decision on your loan promptly, and you can even find the cash deposited in your account on the same day!

At BriskBuck.co.uk we value customer loyalty, so if this is not the first time you have successfully applied for a payday loan with us, you may even be eligible for more than you thought!

 

Payday Loans Frequently Asked Questions

Payday loans are a short-term cash advance solution that helps bridge a temporary cash availability problem and avoid costly bank and credit card penalties.

How much money can I get?

You can usually borrow any amount between £75 and £500.

Would a bad credit history affect approval?

No – all you need to qualify is a consistent job and a bank account although the Brisk Buck lender will look at your current financial status and consider your ability to repay your payday loan on your next payday.

Do I need a bank account?

Yes you need a UK bank account with an active debit card.

What do I need to qualify?

You must be over 18, resident and working in the UK and have a UK bank account with an active debit card. You need to be able to repay your payday loan on your next payday.

What information do you need?

To get you the money you want as quickly as possible we need the following information:
Your name and current address
Your work and income details
Two contact phone numbers and your email address
Your bank account details

What form of payment is used to repay a payday loan?

A simple debit card transaction is used for repayment.

How much do you charge?

The charges are typically £25 for each £100 borrowed.

When will I get the cash?

Most customers get the funds deposited into the bank on the same day. However some banks can take a little longer to clear funds. In these cases the cash should become available in 24-48 hours.

Will my credit rating be affected?

No, we won't credit score your application so your credit rating will not be affected. However you must make sure you repay your loan on time.

When will I need to repay the loan?

A Brisk Buck loan is repaid on your next payday. Usually up to 30 days after the day you take the loan. A single payment is collected from your debit card, so you just need to ensure the required funds are available in the bank account for that day.


Applying for a payday loan is simple

The process is online start to finish and there is no need to fax or send any documents to get the cash transferred into your account. You must have access to a PC, MAC or Smartphone to apply online and your own mobile phone to send and receive texts so your loan can be activated. You can save and print a copy of your loan agreement from your PC, MAC or Smartphone.

To begin, use the slider above the Apply Now button on the web pages so you can decide how much cash you want to borrow and see what the full cost will be. If you are happy with everything, click on the Apply Now button. We will ask you for some personal details, what you earn and your bank information so we can confirm you qualify for a Brisk Buck loan.

We usually provide you with an instant answer by SMS Text and a code if you have been provisionally approved. You complete your application by replying with the text code and when this is accepted a unique PIN code will be sent to you by the Brisk Buck lender. You can then activate your loan securely and get funds transferred to your bank account on the same day.

You can initially request any amount up to £500 although the Brisk Buck lender will usually restrict the amount for first time customers. Providing you use the service responsibly, you will be able to request a further loan and over time you will increase your Brisk Buck trust rating which will give you more borrowing flexibility in the future.

Remember a Brisk Buck loan is repaid on your next payday, usually up to 30 days after the day you take the loan. A single payment is collected from your debit card so you need to ensure that the required funds are available in the bank account on that day.

Please read on for more introductory information or check out the FAQ's page for answers to commonly asked questions.

Brisk Buck lenders only provide fast cash loans for a few weeks or a month. We do not want you to be in debt for any longer than you need so there are no extra charges if you want to repay your loan early. Brisk Buck lenders will not continuously roll your loan over or want to take minimum payments while adding further charges each month as you will be expected to repay the loan on the date you agreed to. If you are unsure as to whether you will be able to repay the full amount on the agreed date you should reconsider whether a payday loan is right for you.

Brisk Buck lenders are transparent because they will always show you what the cost of your cash advance will be upfront. There are no extra, hidden costs as long as your repay your loan on the date you agreed. The cost of a Brisk Buck payday loan is a typical £25 for each £100 borrowed for up to 1 month, this is 1737% APR Typical. For more guidance on what the APR means see the section 'What is APR'.

However remember that Brisk Buck lenders will charge you extra if you do not repay your loan on the agreed date. For example if you ask us to change your repayment date, or don't ensure sufficient funds are available on the agreed date. If the lender cannot collect payment from your debit card on the date you agreed you will be charged up to £25 for missing the agreed payment and if payment remains outstanding and the lender is required to send you a letter a further charge of £25 for each letter will be charged.

It is very important that you repay your loan on the agreed date but if you are experiencing difficulties you should contact the Brisk Buck lender immediately. They will do their best to come to an arrangement with you and help you resolve things.

Brisk Buck do not want you to incur ongoing charges like you would with many traditional lenders or banks but extra interest and charges will continue to accrue on your account for the month after when you are overdue. If you don't work with the lender to repay the money over a reasonable period, your account may be passed to external collectors.

Failure to repay a loan will mean that the lender may inform credit reference agencies (CRAs) who will record the outstanding debt. This information may be supplied to other organisations by CRAs and fraud protection agencies to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for six years after they are closed or defaulted.

Finally, your Brisk Buck trust rating will be badly affected so you will probably be unable to borrow from a Brisk Buck lender again. If you have any doubts about whether you will be able to repay a payday loan you should not apply.

Our Charges

The table shows the lender charges for a typical 30 day loan.

The Brisk Buck lender charges £25 for every £100 borrowed.

There is an application adminstration fee of £5.

There are no arrangement or money transfer fees.

Subject to approval the money will be sent to your account today!

All we ask when you apply for your loan is that you select your next payday as your repayment date.
The Brisk Buck lender will automatically collect the money from your account on this day so you need to
ensure the required funds are available in the bank account on that day. Typical 1737% APR

Borrow Repay
£80 £100.00
£100 £125.00
£120 £150.00
£140 £175.00
£160 £200.00
£180 £225.00
£220 £275.00
£280 £350.00
£300 £375.00
£400 £500.00
£500 £625.00


The Website

1. The web site (www.BriskBuck.co.uk) is operated by Brisk Buck ("Brisk Buck", "we", "us", "our").

2. Please read the details set out below carefully before using this Website. By accessing this Website, you agree to be bound by the following terms and conditions and disclaimers (the "Terms").

3. All our products and services are subject to the terms and conditions and disclaimers of the applicable agreement governing their use.


No offer

1. Neither the information, nor any opinion contained in our Website constitutes an offer to sell or solicitation or an offer to buy any financial instruments or any advice or recommendation with respect to such financial instruments.


Users

1. You are wholly responsible for the use of the Website by any person using your computer and you must ensure that any such person complies with these Terms.

2. The Website is currently intended for those who access it from within England and Wales and who are 18 years of age and over. Because of this we cannot guarantee that the Website or the information thereon complies with or is appropriate for use in other places.

3. To register with us you must be over eighteen (18) years of age. You must ensure that the details provided by you on registration or at any time are correct and complete. You must inform us immediately of any changes to the information that you provided when registering by updating your personal details.

4. You will not knowingly transmit any virus or other harmful matter to the Website. You may not use any device, software or routine to interfere or attempt to interfere with the proper working of the Website nor may you attempt to decipher, de-compile, disassemble or reverse engineer any of the software comprising or in any way making up the Website or any part of it.


Disclaimers and Limitation of Liability

1. Whilst we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Website, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Website and the materials contained in it are entirely at your own risk. We shall not be liable for any losses or damages, whether direct or indirect, consequential or otherwise that you may suffer as a result of your use of the Website, including but not limited to computer service or system failure, access delays or interruption, data non-delivery or mis-delivery, computer viruses or other harmful components, breaches of security or unauthorised use of the system arising from "hacking" or otherwise or your reliance on the information contained on the Website.

2. We do not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

3. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Website.

4. Nothing in these Terms or in the pages of the Website shall limit our liability for death or personal injury arising out of our negligence, or for fraud, or for any other liability, which cannot be excluded or limited under applicable law.

5. The information, material and content provided in the pages of the Website may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. Any revised term shall take effect as at the date when the change is made to the Website. You agree to review the Terms regularly and your continued access to or use of the Website will mean that you agree to any changes.


Third party Websites

1. Links contained in the Website might lead to other websites not under our control, and we accept no liability for the content or availability of any linked site which is not operated by us or any link contained in a linked site not operated by us. Links on the Website are provided to you only as a convenience and the inclusion of any link does not imply reliability and we do not necessarily endorse any pages linked to the Website. Accordingly, you should read the terms and conditions of those websites before using them and direct any questions or comments about the linked website's contents to the relevant website provider.

2. You are not entitled (nor will you assist others) to set up links from your own websites to the Website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion. You are also not entitled to direct link (also known as "Hot Link") any images or content without our prior written authorisation.


Internet e-mail

1. Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for any message lost, intercepted or altered by third parties and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

2. The Website makes use of cookies. Cookies are files that identify your computer to our server. Cookies in themselves do not identify the individual user, just the computer used. Many sites do this whenever a user visits their site in order to track traffic flows. Cookies themselves only record those areas of the site that have been visited by the computer and for how long. You may prevent the use of cookies by configuring your web browser accordingly, but please note that this may hinder some of the Website functionality.


Trade marks and copyright

1. All copyright, trade marks and all other intellectual property rights in the Website and its content (including without limitation the pages, screens, information and material) included in the Website and all software and source codes connected with the Website is owned by or licensed to Brisk Buck unless otherwise noted.

2. Our logos and all brands and products referred to or detailed in the Website are the trademarks of, or licensed to, Brisk Buck. No rights are granted in respect of any of the above trademarks. If you are in doubt whether an item is our trademark or that of any Brisk Buck business, please contact us for clarification.

3. You may imprint, copy, download or temporarily store extracts from our Website for your personal information or when you use our products and services. You may not republish, retransmit, redistribute or otherwise make such information or pages available to any other party or available on any website, on-line service or bulletin board of your own or of any other party or make the same available in hard copy or on any other media without our express prior written consent.


Use of Personal Information

1. We may as a result of your interaction with the Website hold and process personal information obtained about you when you access the Website and use it for making lending decisions and servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both Brisk Buck and those of selected third parties, to evaluate the effectiveness of our marketing of the Website and for statistical analysis. We may pass this information to other members of Brisk Buck or agents, as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of Brisk Buck except for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.

2. By submitting an application form through this site, you agree that Brisk Buck can contact you from time to time by post, fax, telephone or other electronic means, to tell you about other products and services, offered by ourselves or other carefully selected companies, that we believe would be of interest to you. We may also pass your information to third party financial services companies for the purpose of them telling you about their services or products.

3. All information submitted in this form is held safely and securely by Brisk Buck in accordance with the Data Protection Act 1998. We require all parties to whom we may pass your information to treat it with the same degree of confidentiality.

4. If we transfer your information to a service provider or agent in another country we will make sure that the service provider or agent agrees to apply the same levels of protection as we are required to apply to information held and to use your information only for the purpose of providing the service to us.


Governing law

1. The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise





APR stands for annual percentage rate. It is a standardised way of expressing the cost of borrowing, i.e. the amount of interest you will pay and 'typical APR' is the rate that applies to at least 66% of successful applicants to the loan product in question. The term describes the rate of charge for a whole year and expresses interest and other fees as an annual rate.

Using APRs to help you compare products is straightforward: the higher the APR, the more expensive the borrowing. So payday loans are expensive but the APR has the potential to confuse. This is because the APR is an annualised measure that was not designed with short term loans in mind.

The APR equation takes a typical payday loan cash advance of a month or less and multiplies and compounds the interest many times over so the result is a very big number.

The other thing to remember is that it is only possible to truly compare rates if the terms of the loan are the same. If the loan term is less than a month or longer than a month then this will affect the APR either higher or lower and if there are fees and other charges added to the loan, these will make the APR much higher too.

Payday Loans Frequently Asked Questions 44

Payday loans are a short-term cash advance solution that helps bridge a temporary cash availability problem and avoid costly bank and credit card penalties.

How much money can I get?

You can usually borrow any amount between £75 and £500.

Would a bad credit history affect approval?

No – all you need to qualify is a consistent job and a bank account although the Brisk Buck lender will look at your current financial status and consider your ability to repay your payday loan on your next payday.

Do I need a bank account?

Yes you need a UK bank account with an active debit card.

What do I need to qualify?

You must be over 18, resident and working in the UK and have a UK bank account with an active debit card. You need to be able to repay your payday loan on your next payday.

What information do you need?

To get you the money you want as quickly as possible we need the following information:

Your name and current address

Your work and income details

Two contact phone numbers and your email address

Your bank account details

What form of payment is used to repay a payday loan?

A simple debit card transaction is used for repayment.

How much do you charge?

The charges are typically £25 for each £100 borrowed.

When will I get the cash?

Most customers get the funds deposited into the bank on the same day. However some banks can take a little longer to clear funds. In these cases the cash should become available in 24-48 hours.

Will my credit rating be affected?

No, we won't credit score your application so your credit rating will not be affected. However you must make sure you repay your loan on time.

When will I need to repay the loan?

A Brisk Buck loan is repaid on your next payday. Usually up to 30 days after the day you take the loan. A single payment is collected from your debit card, so you just need to ensure the required funds are available in the bank account for that day.

  • All Credit Ratings
  • All Social Backgrounds
  • We Exclude No One
  • We are the UK's leading payday loan provider