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How do payday loans work in the UK? Payday loans are often used in situations where cash is needed to account for a financial shortfall. They are classified as. Loan payments are sent by the UK Faster Payments system and may take up to two hours. All major UK banks accept "Faster Payments", but if your bank does not. Instant loans UK complement traditional bank loans, granting instant cash online. The flexible loans deliver immediate access to small sums of money.

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