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Think carefully before taking out a payday loan personal loan with 730 credit score consider other ways to resolve your short or longer-term money problems such as a credit union loan, overdraft or the Social Fund. Make sure you are fully aware of the terms of the loan including interest rate, repayment period and penalties for late or non-payment.
Shop around and compare the costs and conditions. Be aware of your rights and where to go for help if you have a problem.
Be wary of extending a payday loan as it will inevitably cost you even more money. Consider instructing your bank or card provider to stop the payment being taken before the due date, if you cannot afford to repay the loan. Contact the Money Advice Service for impartial advice on credit and debt.