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Sep 28, 2017 - 34 minute read

Best low interest unsecured personal loans

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Best low interest unsecured personal loans

Please click here for more information. Payday Loans and Cash Advances. Share This Page. What is a payday loan or cash advance loan. A payday loan or a cash advance loan is a loan for a short time.

You pay a fee to borrow the money, even if it is for a week or two. A payday loan or cash advance loan can be very expensive.

Before you get one of these loans, consider other ways to borrow.

Best low interest unsecured personal loans

We noted that the legal assurance from the Money Shop, upon which Clearcast had relied in approving the ad for broadcast, had treated the cashback offer in that manner. We further noted that ads stating a rate of interest or an amount relating to the cost of the credit were also required, under Regulation 4(1), to include standard information by means of a representative example. Ads were exempt from this provision only when Regulation 6(1) applied and the only rate of interest or amount relating to the cost of credit was the RAPR itself.

We therefore understood that were the cashback offer not to be an incentive to apply for credit requiring (under Regulation 6(1)) the inclusion of the RAPR, and if the ad did not include any other triggers for the RAPR, the ad would have needed to include a representative example.

Because the cashback offer constituted an incentive to apply for credit, the RAPR needed to be communicated with greater prominence than the offer itself. The offer was included towards the end of the ad in both the voice-over (".

when you pay back in full on your original due date, we'll give you £5 cashback for every £100 you borrow") and in bold text in a large yellow circle that appeared on-screen best low interest unsecured personal loans Cashback for every £100 borrowed"), whilst the RAPR was stated only in text at the bottom of the screen.

Although we noted that the ad should be taken as a whole, we considered that information given in a voice-over would generally be seen by consumers as being more prominent than on-screen text at the bottom of the screen, and that on-screen text at the bottom of the screen was therefore unlikely best low interest unsecured personal loans be sufficiently prominent if the triggering information was given in the voice-over, or both in the voice-over and on-screen.

We also noted that, while the RAPR was written in a larger font size than the cashback offer and was displayed for slightly longer, it was not shown at the point that the cashback offer was introduced, or at any point thereafter, and that the cashback offer was presented in personal loans danville va main part of the screen within a bright yellow circle whilst the RAPR was not.

Best low interest unsecured personal loans
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