Different from all the rest of the scammers out there! These guys are transparent, friendly and dont charge for late payments. I borrowed £600 over 6 months. Ended up wanting to close the loan as I had the money available and was only charged £22.30 extra for the 4 weeks I had the loan for! I use them for short term all the time and they do the usual credit checks but theyre more interested in the affordability rather than your credit score..after all, you wouldnt go to a payday loan company if you had a great credit score, would you?? Its a monthly payment method and no extras. Go for 6 months, it looks a lot you're paying back but dont set yourself up to fail. You can pay it back in 2 or 3 months and save 100s on interest but just in case you dont have the funds, at least youre not going back to them for an extension as they wont do that until you've paid off the loan. Trust me, try these before any of the others and you'll be surprised at the response. My first application was made for 300 at 8pm and even though they say it has to pass underwriters, depending on how strong your application is, they will fund it to you straight away. My money was in by 9.30pm. I dont work for them etc, and my credit score is just over 300 which is classed as poor. Give them a go, it might just bring you a smile to your day! Good luck and spend wisely!!!!