Tide U Over

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Company Information

  • Company Name:
    Tide U Over
  • Website Address:
  • FCA IP:
    641564
  • Business address:
    Tide You Over Limited, 493a Caerphilly Road, Rhiwbina, Cardiff, CF14 4SN
  • Phone number:
    0845 838 8469

Tide U Over (TideUover.com) is a broker rather than a lender. This means that they can connect you with a wide selection of direct lenders to give you a better chance of finding a solution to meet your needs. They can help you get your finances under control in an emergency when you need money right away but are still waiting for your next payday.

APPLICATION REQUIREMENTS:

As a broker, TideUOver can cater to many different needs, meaning that their applicant requirements are quite diverse. Most direct lenders require that you are a UK citizen in permanent employment with an active UK bank account and a valid debit card to repay the payday loan. TideUover practice responsible lending. This means that they will not permit you to borrow money that you would find difficult to pay back.

LOAN AMOUNT AND CHARGES:

Their simple-to-use, on site, loan calculator will help you decide how much cash you need, ranging from £100 all the way up to £500. How much you can borrow depends on how much you can reasonably pay back by your next payday. Unlike a bank or conventional financial institution, TideUover is a direct lender. What this means is that they can provide an instant payout. If you were to borrow £200 for 28 days, the interest and fees would be £61, so you would repay a total of £261. The interest rate is calculated at an APR of 1734%.

They invite new customers to watch a short video on their site that explains how a loan based on an APR of 1734% is calculated. APR is an abbreviation for Annual Percentage Rate. This is the interest rate calculated for a whole year. It is annualised interest, rather than a monthly rate.

PROCESS:

TideUover will lend you money to tide you over until your next payday to help you handle unexpected bills or cope with an emergency. In order to apply, fill in their online application form. It will only take five minutes for a quick decision on whether or not they approve your request for a loan.

PAYMENT: 

Should you find that you are unable to pay the loan by the due date, they request that you inform them ahead of time. They will strive to be fair and will offer you an alternative payment plan to avoid negatively impacting on your credit score.

Their lending practices do not automatically guarantee a rollover. If you need a rollover, they will consider your request based on your financial situation. They will only allow a rollover once they are fully satisfied that it does not conflict with their responsible lending policy.

71 Reviews of Tide U Over have been submitted - read the latest 3 below

Before I went with TideUOver for this payday loan I checked with my friends to see if any of them had used them and none of them had so I was tempted to look again and find a payday loan that my friends could give their opinions on. Then I remembered how many times these particular circle of friends had messed up with their own payday loans and thought to myself why on earth am I asking for their opinions. Then I used a bit of reverse psychology and thought if they have never used TideUOver then maybe that's who I should be getting this loan from as they seem like a good lender. And when it comes down to it, I'm the sensible one out of all my friends so it should be them asking me which payday lender to go with and I just might say TideUOver if this loan is anything to go by.

Review posted by Sasha Perry, Guildford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

TideUOver are new to me although I'm no stranger to payday loans. It's just that there are so many payday lenders now that you are spoilt for choice. But as I've found out that doesn't always mean you have a good experience with some of them. You really do need to do a little bit of a check on the comparison websites before you take out your next payday loan no matter how many you've had in the past. This industry is big and the goal posts are changing all the time due to the competition. I chose TideUOver for this current loan and I am happy with my choice but that could all change the next time I am looking for another payday loan.

Review posted by Tom Maitlin, Ashford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've used loads of different payday lenders since they've been about and my opinion of them in general is that they offer a really handy service to people like me. That doesn't mean I think all payday lenders are good because my own experience has proved that is not the case and there are one or two lenders that I will never use again. But this loan from TideUOver definitely falls into the 'I'd use them again' category. They seem to be a very responsible lender but I think that has a lot to do with the fact that they are a broker and not a direct lender and so I would imagine their reputation would be at stake if they were to set borrowers up with loans that just weren't right for them. I think thats how payday loans got a bit of a bad reputation a while back and its probably because of the payday lenders I have used in the past and vowed never to go back to for another loan. I will however definitely give TideUOver another go the next time I need some extra money in a hurry.

Review posted by Brendan Healey, Forest Gate

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money