When you’re hit with an unexpected financial emergency, you may not always have the money that you need in the bank to get you by. As a Sunny payday loan alternative, you can be sure that with Wizzcash you will find an easy, quick application process to receive your money within the hour after approval depending on your application. There are a huge number of ways for you to find the best deal when it comes to a applying for a form of finance, such as a payday loan. Here, we’ve put together a comparison between Wizzcash and Sunny Loans so you can determine which is the best option to suit your needs.

How Does Wizzcash Work?

Here at Wizzcash, we provide short term finance for those who need it most. We comply with FCA regulations and practice responsible lending in order to keep our customers protected at all times. Applying for a short term loan with Wizzcash is simple, quick and easy. All you have to do is choose how much you want to borrow, how long for and fill out a few details. Then, we will run a number of affordability checks on your application to determine whether or not the loan amount you are looking for suits your lifestyle, and tell you instantly whether or not your loan application has been provisionally accepted. After this, we will confirm a few more details with you if necessary, and if approved, deposit your money into your account.

Some of the checks that we carry out include:

  • Employment checks – to ensure that you are earning at least the amount specified in the eligibility criteria.
  • Eligibility Criteria – you must be at least 18 years old, earn a minimum of £750 a month and have a UK bank account.
  • Credit Check – this doesn’t mean however, that if you have bad credit you will not be approved.

As a Sunny alternative, we aim to keep our rates as competitive as possible, which is why our APR is just 1265%, allowing you to borrow more without falling into the trap of accumulating too much interest to pay back. In addition to this, all of the loans that we offer are free of hidden charges and additional fees.

Sunny Payday Loans vs. Wizzcash

Here at Wizzcash, we are a Sunny payday loan alternative that you may want to consider exploring. We offer services that are a little different to some of the other lenders on the market, and here you can see why.

Time It Takes To Receive The Loan

At Wizzcash, we aim to get your money into your account within the hour after approval, and in most cases the time it takes for you to receive your loan is much shorter than that. As long as you fill out your application form honestly, we will find it easier to approve your loan and the process of confirming your details will be a lot faster. With Sunny Loans, you will receive an instant decision on whether or not your application is approved. Sunny payday loans claim that you will receive the money you have applied for within 15 minutes of the loan application being approved.

Application Process

The application process for a Wizzcash loan is simple and efficient, and you’re provided with a helpful online loan calculator so you can determine exactly how much you’re going to need to pay back before you even apply. Sunny loans also provide an online loan calculator, which tells you the cost of the monthly payments, how much interest is accrued in total and the total amount that you will repay.

Flexible Repayment Periods

As a Sunny alternative, we aim to make our loans as flexible as possible. With us, you have the opportunity to pay back the loan over a 3 month period, making the repayments far more manageable in the long run. When you choose a Sunny payday loan however, they have fixed loan term periods that you need to abide by. When you borrow £100-£1000, you have to pay back the loan in 6 months. A loan of £1100-£1500 needs to be paid back in 7 months, £1600-£2000 in 9 months and £2100-£2500 in 14 months.

Regulations & Safety

Both Wizzcash and Sunny payday loans are approved FCA regulated lenders, so you can be sure that you are in the safest hands at all times, no matter which lender you choose. Your safety and security is our number one priority, and we will keep your details 100% secure at all times. If you apply for a payday loan with Wizzcash and you are not accepted, we will pass your details onto a lender that we believe can provide you with the loan that you need at a rate you can afford.

Responsible Lending

As a Sunny alternative, we are proud of our responsible lending practices and ensure that our customers are always a first priority. Whether you choose a Sunny payday loan or you turn to Wizzcash, it is always important to ensure that you know exactly how much you can afford to borrow and for how long before applying. There are a number of unapproved lenders on the market who will attempt to push you into borrowing more than you can truly afford. This is why we carry out a number of affordability checks in order to determine whether or not you can afford the repayments, based on your income and credit history.

Apply for a loan with Wizzcash, a Sunny payday loans alternative, online today!

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