Payday loans are a great way to gain a little extra money at the end of the month for those emergencies or unexpected bills. But it's easy to get it wrong and be refused. With our handy guide you'll give yourself a better chance of getting the loan you require!

1) Make sure you live in the country you're trying to borrow money from. Our main site, Skint.com offers payday loans to anyone in the UK, USA, and Canada.

It's no good applying for a US payday loan when you live and work in the UK and get paid in sterling. Likewise live and work in the US and paid in dollars applying for a UK Payday loan. Apply for your payday loan in the country in which you live.

2) Make sure you have a bank account. Most payday loan companies will want to pay direct into your bank account, and indeed so does your employer. Warning bells start ringing if you don't have a bank account and you'll find it very difficult to find a lender willing to lend money without one.

3) Don't apply if you're under 18. No payday loan company will lend you money if you're under 18, and you could mess up your credit score by repeatedly applying for loans that are refused.

Below is a typical credit score test, to help you work out how you might score when applying for credit.

Add up your points to compare your rating, it’s a good guide to see whether you’re

creditworthy or not.

0-49 - Poor. Score indicates you may have considerable difficulties in getting credit.

50-69 – Fair. Score indicates you may have some problems obtaining credit.

70-89 - Good. Score indicates you have a good chance of being granted credit.

90-100 – Excellent. Score indicates you would be a good candidate for credit.

4) Make sure you have regular employment. A payday loan is exactly that – a loan secured against your salary, to be repaid on your payday (within 31 days max). You will need to state employment details on the application form in order to receive a loan.

5) Make sure you meet the minimum ‘take home’pay requirements If you're working in a bar earning £100 a month, then there's not much chance you'll get a loan. At Skint.com there is a requirement for you to have a minimum salary of £750 ‘take home’ pay a month.

And finally

6) Only apply for an amount you know you can afford to pay back. Don't borrow more than you need, because it seems like 'easy money' 31 days, 4 weeks one month whichever way you look at it it’s not long.

Whatever you borrow you will have to be pay it back on your next payday, and it makes no sense to be borrowing against your salary every month, start taking control of your finances it’s so easy to spiral out of control.

So there you have it, 6 ways to ensure you get the payday loan you need! Apply online and we’ll see if we can help.

If you are knee deep in debt and are having too much trouble tackling multiple bills, then one debt solution that you must consider is debt consolidation. It is a process in which you take out one loan to pay off all your other loans. All your multiple bills are thus, combined into a single debt. In this case you have to pay only a single monthly installment instead of paying your multiple creditors. The interest rate is negotiated and late fees are also waived off. Debt consolidation can be done yourself or by taking out a debt consolidation loan or by taking help of a debt consolidation company.

What you should keep in mind is that your lender who gives you the consolidation loan has his profit motive behind lending. In the same way your debt consolidation company has its own motive of earning commission, behind helping you. Thus, you should be cautious of certain mistakes related to debt consolidation that you must avoid.

Some of the debt consolidation mistakes are as follows.

1. Considering consolidation to be the end-all-solution: Thinking that once you enroll in a debt consolidation program all your debt will be magically removed, is a wrong way of approaching debt consolidation. The debt that you have accumulated is because of a way of life, unless that changes nothing will be of much help. A change in lifestyle and a change in your spending habits has to be made for you to come out and stay out of debt.

2. Not checking your credit: You must check your credit very minutely. Have an exact knowledge of how much you owe and how much you need to give back. You have to be totally aware of your financial situation for you to find a way out of your debt problems.

3. Choosing the wrong company: Almost all debt consolidation companies in the market are there to make money. However, taking the help of a debt consolidation company is very beneficial. This is because these companies will have professionals helping you out, who will have experience and thus, will be better when it comes to making negotiations with your creditors. So it is very important to choose a proper debt company. The key to do this is to research. You should find out the details of the plans that individual companies are offering you and how much they will be charging you. Find out about the services of the company and then considering all these factors choose a company that suits you best.

4. Rushing into consolidation: You must remember that debt consolidation is not the only debt solution that is available to you. You can consider various other options as well.

Thus, you should try and be aware about these few things to ensure that your consolidation is a success and that you are not fooled by any one in the process.

Here at Skint.com, we like helping people to save money. So we've put together a list of 10 Books to help you save money!

1. Mr Thrifty's How to Save Money on Absolutely Everything

Description: This text aims to save you more than you paid for it. It has hundreds of ways to save you thousands of pounds on anything you ever buy, from building work to babies toys, cars to carpets, houses to heating.

2. The Money Tree: Money, how to make it, save it and grow it

Description: "The best finance book I've ever read… go out and get this as soon as you get the chance" – The IET Circuit December 2006

3. The Money Diet – revised and updated: The ultimate guide to shedding pounds off your bills and saving money on everything!

Description: Do you want to cut your bills without cutting back? Are you fed up with being ripped off? Do you want more money in your pocket without changing your lifestyle? What we all need is detailed, no-nonsense advice about organising credit cards, finding the cheapest utilities, how to get the very best mortgage deals and how to haggle with every shopkeeper – in other words, how to make sure we're not wasting pennies. With one hundred new MoneySaving pages, in this fully updated edition of the bestselling The Money Diet, Martin Lewis shows you how to be canny with your finances, and provides clear-cut advice on payment of bills, ways to slash spending, which banks to use and choosing the best deals on an even greater range of products, including: – mobile phones – package holidays – pensions, credit cards and insurance – books, CDs and DVDs

4. Thrifty Ways For Modern Days

Description: Handy hints on living better for less from the community of MoneySavingExpert.com

5.  The Money Magpie: I can help you ditch your debts, make money and save £1000s: The Ultimate Guide to Savvy Saving, Ditching Your Debts and Making Money

Description: Jasmine Birtles believes that anyone can be better off, she just needs to show you how… Packed full of practical financial advice and brilliant money-saving ideas, The Money Magpie shows you how to spend less, make more and invest what's left over, even in hard times. Based on this key idea, Jasmine tells you how to: – be the King or Queen of cash by getting the best deals on utilities, credit cards and food – assess and manage your finances with clear, easy-to-follow techniques – make more money instantly using what you have already – work out a long term plan for increasing wealth that fits into your lifestyle With handy links to Jasmine's fast-growing website www.moneymagpie.com, and the use of self-assessment quizzes, brilliantly simple advice and ideas that mould around the way you live, The Money Magpie will teach you how to be rich, whatever your situation.

6. 101 Ways to Save Money in a Recession

Description: With fears of a double dip recession just aroundthe corner, Tom Winnifrith provides a very timelyand inspirational handbook to keeping hold ofyour money.Bang up to date, with all the latest tips and adviceon how best to save money while times remainhard, Tom Winnifrith here provides practical,down-to-earth ideas that can help peoplewherever and whatever their situation. His tips include:

• Never buy white shirts for work.
• Get free dental treatment.
• Do not sign up to any get-rich schemes involvingcourses on anything from stock market success tosports betting or new franchise opportunities.
• Never buy an additional extended warranty onan electrical product.
• When you use a washing machine, use it on thelowest heat.
• Insulate your loft.
• Give up smoking (except in some cases whereyou should carry on for a couple more years).

7. How to Live Well Without Owning A Car: Save Money, Breathe Easier, and Get More Mileage Out of Life 

Description: The Environment 104175 By Liberty Mountain

8. A Smart Girl's Guide to Money: How to Make It, Save It, and Spend It (American Girl Library)

No Description.

9. Go Green Save Money

Description: Many people believe that the green life is the expensive option, but there are hundreds of things you can do to spare the earth's resources and cut your bills at the same time. And going green doesn't mean changing your lifestyle completely. This book shows you how it is the little things that count; it is up to you to act on the ideas that suit you. Each chapter of "Go Green, Save Money" offers ingenious tips and advice on how to reduce waste and improve your eco-friendliness in a different aspect of everyday life – from the home to the office, from holidays to commuting, and from health and beauty to family celebrations. All the ideas in this book are practical and easy to do – and there are clear explanations about how these suggestions help the environment, and why they are good for your bank balance.

10. How To Save Money

No Description.

So there you have it, 10 books to help you save money in 2011!

You know what it's like; it's the end of the month, pay day is a week or so away and there's always an emergency that comes up, especially at this time of year when we're just started getting over Christmas!

The car breaks down, a big bill comes in, the bank wants its overdraft back – it could be a million and one things, but it always happens BEFORE pay day or when your pay is committed to other thing.

That's where  pay loans can come in. Payday loans (sometimes called payloans) are a short term loan aimed at getting you out of the mire quickly. You don't pay millions of percent in interest, it's not hanging over your head for years, and it's a great way to get money in your bank account within hours to allay your fears and pay that debt/bill.

You can borrow any amount against your pay, from £80 – £750 – and simply pay it back when pay day comes!

Of course there is a charge (link to charges page), but it's still a better option to get a pay loan than either a long term loan from a bank or lending company, or an unauthorised overdraft.

As long as you're over 18, earn more than £750 a month and have a bank account, you're almost certain to be accepted for a pay loan.

Imagine; no worries about paying your utilities bills like gas, water, or electricity you maybe a little short on the rent or mortgage just after Xmas being able to get the car fixed so its road legal – a pay loan not only gives you money, it gives you peace of mind too.

Click here to find out more.

First of all, let's get it out of the way – you've heard bad things about UK payday loans granted online, right?

The interest rates are huge, we're all a bunch of shysters preying on the vulnerable, and you'll end up with the heavies on the doorstep if you can't pay up. Isn't that what 'they' say?

Well let me tell you something a little different. It’s nothing like that with banks not lending and overdraft charges at their highest we aim to give a little breathing space when its needed most.

We're a UK based Payday loans company and we invite applicants to apply online.

The interest rates LOOK high because we have to show them as APR (Annual Percentage Rate) – but as you're only ever borrowing for a matter of days / weeks, the figure is misleading, and if you read this you'll see why.

We're an ethical and moral payday loan company. We're based in the UK, we have a network of lenders, and we have to adhere to strict standards because of the industry we're in.

If you want to borrow from one of our lenders you have to prove you have the means to pay us back, have to be over 18 and have to have a bank account with a debit card – does that sound like vulnerable to you?

If you can't pay up on time then we are always happy to talk, but our first advice is always to NOT take out a payday loan online unless you are sure you can pay it back. Oh, and we certainly don't have any heavies

So now we've got all that said and done, let's get to the real business of this blog.

If you're struggling after Xmas, and need an emergency influx of cash, to be paid back on your next payday, we can help. Apply now and we'll be in touch.

Remember.. borrow only what you can afford, don’t borrow more than you need

Sometimes, no matter what you do, there's more month than money! Do you often find yourself scrabbling for cash the week before your salary is paid?

Maybe a large bill has come in, or the washing machine has broken down.

Perhaps the kids need new school clothes, or there's a school trip that has to be paid before your salary hits the bank?

Well we can help!

A salary loan from Skint.com could be just the thing you need to bridge that moneyless gap.

What's a salary loan?

In simple terms, we lend you money against your next pay day. Also known as payday loans, a salary loan enables you to get hold of some cash quickly, and pay it back when your salary goes into your bank.

You must be 18 or over, have a valid debit card, and of course, have a salary – preferably of £750 a month or more.

Rather than having to approach your bank, or being charged for exceeding your ovrdraft, or even take out a long term loan, a salary loan takes minutes to apply for, and the repayment terms are good.

As an example, let's say you need to pay out £200 for that new washing machine. With our salary loan, you'll get your £200 the next day, and when you get paid you will repay us just £250.

Need £80? You'll repay just £100. Look at this next to a long term loan and you'll see that it's an option worth taking. Want to know more?

Apply now online!

In the last 2 years, the UK has seen a dramatic increase in monthly loans (also known as salary loans or pay day loans) been taken out. These small, short-term loans offer the borrower a quick cash-advance, to help them keep on top of their finances until their next pay day. The monthly loan amount is usually between £80 and £750, and can usually be deposited into the borrower’s account on the same day to help with financial emergencies or necessary cash advances.

As with more traditional bank loans, there are of course some terms and conditions which apply to these monthly loans. Firstly, there is a limit to the loan which is usually between £750 and £1000. Because the average salary of monthly loan borrowers is from £15,000, this means the lender knows that the loan can be repaid on the borrower’s pay day.

The loan is also expected to be paid within the month (up to 31 days), and although someone with a bad credit score will be considered, they must be able to prove they are working and therefore able to repay their salary loan. Once the individual has been accepted for a pay day loan, a repayment date will be set up (usually for the borrower’s next pay day). The outstanding loan amount, including the interest, will then be debited on that date using the person’s bank details.

Because these are short-term loans, those with other existing loans or outstanding payments will not be restricted. Many not only use monthly loans to prevent charges from bouncing cheques which could lower their credit score, but also to help rebuild a existing poor credit rating.

Although many pay day loan lenders allow delayed loan repayments, further interest charges will usually apply, so it is always important to be able to repay the loan on set date to avoid getting into further financial debt. Otherwise these monthly loans are ideal for those who wish to get instant cash to help with bills, food or even luxury items.

Debit card loans (also known as pay loans or pay day loans) are small, short-term loans which are intended to cover any expenses such as bills or food until the borrower’s next pay day. They can, of course, also be used for other purchases such as luxury items and holidays should the borrower wish, as long as they are able to pay off the outstanding debit card loan on their next pay day (or the date agreed by the lender).

Skint.com offers British men and women the opportunity to borrow £80-£750, and this sum is set to be repaid in a maximum of 31 days after the loan is received; these short- term debit card loans are only available to those who bring home at least £750 a month to ensure the loan can be repaid. Although the average salary of Skint.com’s pay day loan borrowers is between a healthy £15,000 and £35,000, many still find these quick and simple loans useful to fund emergencies or financial mishaps.

Pay loans are useful for a whole range of cash emergencies, including avoiding late fees or bouncing cheques where the charges could amount to a larger sum than that of the pay day loan. By ensuring your account is credited with enough money, you could avoid these charges as well as helping to maintain your positive credit rating.

Skint.com’s pay loan process is simple, and takes just minutes to apply. The online application form is completed by the prospective borrower, and is then instantly accessed by a bespoke underwriting system which approves each application and sets a pay day sum. This sum is then deposited into the borrower’s account (the same day if submitted before 3pm), and is then debited on the date set using the customer’s bank account debit details.

Ideal for those who want a low-cost instant loan, debit card loans help borrowers to get instant cash without having to take time off work to get to a bank. The loan application itself is quick and simple, making it easier than ever before to get your hands on hard cash, fast.

Skint.com, which has previously specialised in payday loans, has just launched a new online pawnbroking service. For those who may find that they are strapped for cash this Christmas, or throughout the year, you can now use Skint.com's new pawnbroking service to help get your hands on extra cash.   

Skint.com can offer you cash on a whole range of personal goods. You can get a fast loan which is lent against items ranging from gold and diamonds to art and antiques. And the best bit of all? No credit checks. All we need initially are some basic contact details and a brief description about the valuable or valuables you wish to take out a loan against, and we take it from there.   

The pawnbroking service is so efficient you could see your account credited with the loan within 24 hours. And, just as their payday loans offer excellent interest rates, so does Skint.com's pawnbroking service. With the monthly interest between just 4-6%, this new pawnbroking service offers a really financially efficient way to getting your hands on instant cash. If, after the evaluation, you are unhappy with the quote, your products will be returned to you within 5 working days, so there's no initial obligation to accept the quote.   

Skint.com makes pawnbroking over the internet really easy. Not only is there free courier delivery, all your valuables will be 100% insured. With expert evaluators waiting to value your goods, you can also rely on Skint.com to give you the best rate for your goods. In fact, Skint.com offers twice as much money for your valuables than similar lenders!   

So, if you need to get your hands on hard cash quickly, then Skint.com can help. If you have got the likes of gold jewellery, designer watches, luxury cars, fine antiques or even loose coins or diamonds, then send them to Skint.com for an instant pawnbroker's loan. You may not be as skint as you think after all!

With only one payday left for many of us before Christmas, making sure we have enough to cover the usual bills as well as Christmas presents and food could be difficult. Let’s face it, not all of us have the time or logic to plan months in advance, which is where a Payday Loan can help.

A payday loan is basically just a short-term loan that allows working people the chance to get their hands on some much needed extra cash before they next get paid. So, instead of having to go without those festive extras this Christmas, consider a payday loan to make this year extra special.

A quick and easy way to borrow up to £750 (think of all the mince pies you could get with that!), the process can be done online at your convenience. There are, as ever, a few terms and conditions, such as the borrower must be a UK resident and18 years or over, take home £750+ a month in permanent employmen,t and have a valid bank account and card.

But the best bit to getting a payday loan is that, as well as being quick and easy, the interest is really low compared to bank loans. Because we ask that the loan is repaid within the month (it is after all a short-term loan until the next pay cheque comes through) the interest is just £25 for every £100 borrowed. Whereas a bank could charge 16.9% APR, over the 36 months is would take to pay it back, the actual interest would be 49%. Payday loans have only 25% interest, so you do the math!

Instead of having to hold back on the presents this year because you will only have the November salary to pay with, use a payday loan to treat family and friends to everything you wished for, and just pay it off when your next pay comes through. It really is that simple!