Ramsdens Loans Until Payday

What you need to know:

The main detriment to borrowing from Ramsden’s is fairly obvious – you can’t borrow online. Ramsden’s no longer accept online applications so you will need to go in store if you want access to cash. They still offer a same day payment and they have branches located throughout the UK. Despite this, they have some of the lowest interest rate charges of any lender on this website – if you have a Ramsden’s local to you then it may be worth the trip.

Criteria:

You need to be over the age of eighteen years old and have a chequebook and cheque guarantee card. You will also need to provide one further form of identification e.g. Driver’s license. You will also need your most recent bank statement and a utility bill from the last two months. You also need to be a permanent resident in the UK and in full time employment.

Customer Service and Complaints:

The main issue people have with Ramsden’s is inaccessibility – they have a number of branches throughout the UK but unfortunately cannot offer online lending. You will receive an immediate decision on your application in-store

Overall:

Ramsden’s have a professional presence and if you have the time to collect the necessary documents together than it may be worth a trip to your local store. The main benefit to applying through Ramsden’s is the opportunity to take advantage of a lower interest rate charge. Ramsden’s also offer a range of additional services e.g. pawnbrokers.