2014 Lender Lists:

Short Term Loans | Payday Loans | Instalment Loans | 12 Month Loans
Doorstep Loans | Guarantor Loans | Logbook Loans

Whilst many lenders tend to share similar product traits, when it comes to trading days/times there tends to be a massive variation as you pass from one company to the next. Some simply open their doors between Monday and Friday, some open on a Saturday and some open for a few hours on a Sunday. Then there is the select few that offer 24/7 loans online. The specific times also tend to vary significantly. Some lenders like 247Moneybox provide funding around the clock, but this facility is available to existing customers only. MyJar provides instant loans to existing customers through a simple request, but again new applicants may see delays.

This post has been made to identity 24/7 lenders whereby both first time applicants and return customers can receive cash whenever they please, regardless of it being 3am on a Tuesday morning. The importance of never closing throughout the week is a feature only seen from the major loan companies that tend to be seen advertising on the TV frequently. Alike some super-brand like McDonald’s, these majors want to have the edge and be able to deliver their service whenever it is so desired. Of course, this shouldn’t be too difficult to achieve since the customer service is working virtually online and so the expense won’t be significant.

It should be noted that if you have a good credit score and apply out of hours then it may be the case that you could be approved and funded there and then. This depends on who the lender is and whether they will need to conduct some underwriting in the process. Those that provide 24/7 loans (and customer support) include Cash America International’s QuickQuid and Pounds to Pocket brands. Wonga.com as expected are always open as well that would be expected since they are the most popular brand on the web today. Lending Stream was another, but their times have now been trimmed down.

Rather than searching for a new lender in the early hours, it would be recommended to sign up early to a service like MyJar. They instantly approve new funds once you have repaid them. All you need to do is make a simple request once logged in or you could send an SMS message. This is ideal if you are stuck on a night out and need some cash for a taxi home. Other than this, Wonga is likely to be the quickest since they automate their lending decisions. There are as noted several lenders that are Operating 7/7 and so waiting a few hours with them would be the next best option.