The payday loans market is full of lenders looking to provide you with the very best deal. One of the up and coming lenders on the market who have built a reputation over the past few years is Peachy Loans, but just because they’re becoming well-known, that doesn’t mean they are the right lender for you.

Getting the best deal and the correct product often means doing a lot of research. If you’ve already looked into Peachy payday loans, then you may want to have a look at the Peachy alternatives that you can find. The more research that you do, the more confident you will be when it comes to finding the right payday loans lender to fit your budget.

How Does Wizzcash Work?

As a Peachy alternative, you can be sure that our application process is extremely simple. As a direct lender, we offer customers loans of up to £1000 and provide you with the opportunity to pay back the loan from 3 to 12 months. We have an eligibility criteria put in place to ensure that we keep in line with our responsible lending practices. All you have to do is fill in your details, then we will carry out a series of affordability and credit checks to determine whether you can truly afford to pay back the loan. Once we have run these, we will provide you with a provisional decision instantly.

Our application is all online, meaning all you will need is an internet connection to apply. We also take all of the repayments automatically through Continuous Payment Authority, and provide you with plenty of notice via text and email to ensure that you know exactly when the repayments are coming out of your account.

Wizzcash vs Peachy Loans

Loan Amount
With Peachy payday loans, you can borrow as little as £50 – but you can only borrow up to £700. This may not be enough to cover your needs, and here at Wizzcash, we can provide you with up to £1000 whether you’re a first time lender or a returning customer.

APR
Here at Wizzcash, we offer one of the lowest APRs on the market, with our three month loan’s 1265% APR being very competitive. However, Peachy loans also have a competitive APR of 1255.66% meaning customers can borrow the finance that they need for longer without worrying about accruing a high amount of interest in just a few days (research undertaken 27/02/17).

Repayment Periods
Peachy payday loans also offer a period of repayments over a period of 12 months, but here at Wizzcash, we encourage our customers to pay back their loans within 3 months if they can afford to in order to protect their future finances and stop large amounts of interest from accruing over the period of the loan.

Quick Applications
At Wizzcash we aim to get your money with you within an hour when you choose our quick short term loans. Like Peachy, we understand how important it is to get your money quickly when it comes to a financial emergency and so we ensure that our application process is as quick as possible. When it comes to short term finance time is of the essence. As soon as we receive your application we will run a variety of credit and affordability checks in order to get your money to you as quickly as possible. We will make a provisional decision straight away, and once we have confirmed all of your details the money will be in your account within the hour. When you apply for a Peachy payday loan, you will find that the application process runs just as smoothly, as all lenders understand the need to get your money to you as quickly as possible.

No Money Grabbing
As an FCA approved Peachy payday loan alternative, we believe in responsible lending and fair treatment of all of our customers. Some providers will try to lure you into borrowing more money than you actually need, but here at Wizzcash, we ensure that you only borrow what you can afford by matching the affordability checks that we carry out with a specific loan amount. We always ensure that there are no horrid surprises waiting for you, and are completely transparent throughout the process – from start to finish.

Responsible Lending
We are committed to responsible lending at all times, and we also know that our short term loans are not necessarily the right choice for everyone. We have put together a list of payday loan alternatives so you can find the right source of finance to suit your needs and your budget. Whether you choose Wizzcash or another Peachy payday loan alternative, or you turn to a credit card, approved overdraft or borrowing from family or friends, there’s plenty of options out there for you to choose from.

Why Choose Wizzcash?

There are a huge number of reasons why you should choose Wizzcash as a Peachy payday loan alternative. Firstly, we provide you with competitive APR % and allow you to borrow up to £1000. We are 100% confidential and secure, and will provide you with all of the information that you need by being totally transparent. Our online calculator will tell you exactly how much you will need to payback depending on how much you have borrowed and how long for. No matter what you’re looking for, you can be certain that you will find it with Wizzcash.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk