Apply Now! - Instant Decision Short Term Loans With No Obligation & High Approval Rates
Gemini® Have An Average Approval Rate Of Over 97%
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.
The History of Payday Loans
December 18, 2018
Contrary to popular belief, Payday loans arenít as new as most people would want to believe. The loans can be traced back to the 1990ís when unsecured credit started becoming increasingly available. The loans were incredibly attractive to individuals who struggled to secure traditional loans from banks. Individuals with spending habits found it easy to borrow from...
Low-Income Nigerians Preferring Payday Lenders Over Banks
December 07, 2018
Nigeriaís banking system has failed in offering adequate financial services to its people creating demand for high-interest micro-lending platforms. Back in August 2017, Henry Apama-Aka discovered a lending platform known as Paylater which didnít require any paperwork. The 27-year old entrepreneur and chef applied for a 10,000 Naira loan ($27) despite being...
UK Launches Fraud-Proof Bank Card to Block Contactless Scammers
December 04, 2018
The United Kingdom has launched a one-of-a-kind fraud-proof bank card that prevents fraudsters from cloning as well as using your card without your permission. The card has been launched in a UK high street Ė John Lewis stores. The card dubbed SkimSafe resembles a typical bank card but features technology which stops fraudsters from stealing your personal...
eBay Buys Motors.co.uk: A Vote of Confidence for UK's Used Cars Market
December 02, 2018
eBay has agreed on a deal to buy Cox Automotiveís motors.co.uk. This announcement comes as the American company increases its presence in the United Kingdomís used car market after taking over Gumtree recently (in January 2018). The deal will be finalised early 2019. eBay will integrate Motors.co.ukís operations under Gumtree UK. eBay, Gumtree UK, and...
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: 648992
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.