Representative Example: Borrow £500 for 90 days. Total repayment: £675 in 3 monthly payments of £225. Interest p.a: 140% (variable). Representative 1255.66%APR.
Minimum Loan Term: 3 Months. Maximum Loan Term: 60 months. Max APR 1255.66%.
Thank you for visiting us today. If you're looking for a short term loan with low rates, an instant online decision and funding in under 10 minutes, here at Gemini® we have you covered.
With Gemini® we do not require any paperwork, phone calls or faxing as the whole application process is carried out completely online.
Gemini® operate 24/7, so no matter the time or day, whether weekend, bank holiday or even Christmas day, we can still process your application and have your funds deposited in under 10 minutes.
Since Gemini® launched in 2011 we have processed thousands of applications.
People from all over the UK look to us whenever they finds themselves in need of a quick injection of money.
At Gemini® we try our absolute best to be as transparent and secure as possible whilst also striving to provide the most cost effective and efficient service available.
Whilst banks tend to require proof of what your loan is for, most payday lenders will not stipulate what your loan can or cannot be used for, providing the loan is not taken out to pay off another. Some common uses of Payday loans include:
Thank you for visiting Gemini® and considering our services. If you have any queries or concerns we would love to hear from you. You can contact us via Email or by Phone. For full details please see our Contact page.
Gemini® are authorised and regulated by the Financial Conduct Authority (FCA) Authorisation can be checked on the FCA register at: http://www.fca.org.uk/register FCA Interim Permission Number: 738569
Collections process: If at any point during the duration of your loan you believe that you may have difficulty in repaying what you owe, you must contact the lender immediately. You will be able prevent missing your repayment date entirely and you will be able to discuss repayment options. Please take note this could incur further charges or interest. Please also note that interest rates are capped at 0.8% per day and fees are also capped to a maximum of £15. Your details could be forwarded onto debt recovery agencies to recover the debt if you don't notify the lender of your problems and miss your repayment date. This activity isn't taken lightly and is a last resort.
Implications of non payment: If you feel that you may struggle meet your own repayment date, or are struggling, you must contact the lender promptly. If you do not do this and you neglect to meet with the the agreed repayment date, this could adversely effect your credit score and will harm your likelihood of getting credit in the future. Should you miss your repayment date interest and costs can also be employed. In this instance lenders will attempt to contact you via telephone or letter in order to recover the funds or to arrange an alternative repayment schedule.
Late payment: You may have the ability to rearrange your repayment date to a more appropriate time (this will result in a modest charge being added on to the total amount due). The late payment fee can vary from £1 to £15, completely dependant upon the delay.
Please note: Some lenders do not charge late payment fees. For more information regarding late payment and collection please feel free to read our terms and condition and also the terms and conditions that are provided along with your loan agreement.