Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk Loanski is an authorised credit broker not a lender

    Buffa Loans Alternative

    Loans from £100 to £10,000

    • 1 month to 5 years
    • 100% online application
    • All credit scores welcome to apply
    • Paid in as fast as 10 minutes^

     

    Secure SSL connection

    Your application is sent over a secure encrypted network

    Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

    Choose Loan Amount

    Credit score not affected*

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    Rates from 45.3% APR to 1575% APR Minimum Loan Term is 1 months - Maximum Loan Term is 60 months. Representative Example: Borrow £1000 for 24 months. Annual interest rate 70% (fixed). 24 equal instalments of £77.48. Total amount to repay £1,859.52. Representative 97% APR (variable).
    *Subject to application being approved by the lender. Not all lenders are able to provide up to £10,000

    Choose Loan Amount

    Credit score not affected*

    Loading

    Rates from 45.3% APR to 1575% APR Minimum Loan Term is 1 months - Maximum Loan Term is 60 months. Representative Example: Borrow £1000 for 24 months. Annual interest rate 70% (fixed). 24 equal instalments of £77.48. Total amount to repay £1,859.52. Representative 97% APR (variable).
    *Subject to application being approved by the lender. Not all lenders are able to provide up to £10,000

    Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

    Loans from £100 to £10,000

    • 1 month to 5 years
    • 100% online application
    • All credit scores welcome to apply
    • Paid out in as fast as 10 minutes^

     

    Secure SSL connection

    Your application is sent over a secure encrypted network

    REPRESENTATIVE 97% APR

    Loanski offers competitive interest rates compared to some lenders across the market.

    Installment Options

    Customize your loan term from 1 month to 60 months putting you in control of your payment plan.

    Fast Payouts

    You can expect fast payouts sometimes within 10 minutes^

    Company Number: 

    791745

    Company Name:

    Buffa is a trading name of Buffa Loans Ltd

    Date firm started up business:

    13 July 2017

    Type of Business: 

    64921 – Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

    Buffa offers the following:

    £100 to £1000 

     

    Loan term length:

    3, 4, 5 or 6 months

    Previous Business Names:

    UBERDRAFT LTD:  11 Oct 2017 – 18 Apr 2018

    SYNCED FINANCE LTD:  13 Jul 2017 – 11 Oct 2017

    Head Office Address:

    11 Buckingham Palace Road,
    London,
    United Kingdom
    SW1W 0SR

    FCA Status: Authorised

    Buffa Loans LTD is authorised and regulated by the financial conduct authority (FCA)

    Payout Time:

    Within 5  minutes of your application been accepted.

    Buffa Review

    Buffa is a fairly new short term payday loan company, which started up in July 2017. Their head office is based in London and since they started trading they have changed names twice.

    They first started out as Synced Finance and then changed to Uderdraft in October 2017. In April 2018 they changed to Buffa and have stayed with that name since.

    On their website, Buffa claim to be black in white in all areas, meaning that from the get-go you will know exactly where you stand with them. There will not be any hidden agenda or hidden fees. What you see is exactly what you will get.

    Customers are able to apply for loans up to £1000 starting at £100. Amounts can increase in values of £10 so it is completely flexible on what you want to borrow. Of course, this will also depend on your personal financial circumstances and what you can afford. The repayment term with Buffa is between 3 to 6 months.

    How the company works:

    The only way to apply for a short-term loan with Buffa is by clicking the “apply now” button on their website. Unfortunately, you cannot apply by telephone, however, if you are struggling with your application then a member of the Buffa customer service team will be able to assist you and talk you through this on the phone.

    When you begin your application you will be asked a few questions about your personal details and your financial circumstances. The application form shouldn’t take more than  5 to 10 minutes to complete, having all of your details to hand will help to speed up the process.

    Once you have submitted your application form then you will receive a decision about your loan within munites. If Buffa needs some additional information from you then they will inform you at this stage. If you have been unanimously accepted then you will directly receive your loan agreement.

    Once you have read the agreement and you are happy with your loan terms, you can sign and return it electronically. You will receive your loan within minutes once this stage has been completed.

     

    Repayment method:

    Buffa will collect the loan repayments directly from the bank card details you entered on your registration form. This method is called continuous payment authority (CPA) and is a convent way to repay because it is taken automatically. You won’t need to worry about remembering to make your monthly repayments on time.

    If you don’t like this method of payment then you can speak directly to Buffa about any alternative payment methods such as card payment or online payment, however, these are not normally automatic and you must remember to make the repayments yourself.

     

    Do I need a bank account?

    Yes, it is a requirement that all applicants have both a bank account and also an active debit card which is attached to the same account.

    Your bank account will be used to confirm your identity and run the necessary credit checks on your credit file.

    Buffa will also pay your loan directly into your bank account and take your repayments from here.

    To be eligible to apply for a loan you must fit the following criteria:

    Age

    The minimum age requirement for a loan with Buffa is 18 years of age.

     

    Address information

    All applicants will need to be a resident of the United Kingdom and also hold a UK address.

    3  years worth of address history will need to be provided to that Buffa can check your credit history on your file.

     

    ID and Income

    Your identification can usually be confirmed online with the bank details and other personal information you enter on your application form. If for some reason Buffa need any additional information then they will inform you of this after you submit your form.

    Buffa doesn’t mention any information on whether applicants need to be in employment or whether they also accept applicants who are on benefits.

    It is normal for most lenders to request that applicants fill out an expenditure form. This is so that they can check whether you will be able to afford the loan or not. An expenditure form will contain information on all of your monthly income and also your monthly outgoings.

    You can enter information on any reoccurring monthly bills you pay so that Buffa can get a clear idea of how much you will be left with at the end.

    As a responsible lender it is their duty to ensure that by lending you money they won’t be putting you into any financial difficulty.

    Penalties

    Buffa will not charge you for missing repayments but if you continue to do this then your account will default and this will be reported to the credit file agencies. This may prevent you from applying for any more credit in the future.

    If you feel that you may not be able to make your repayments then please contact Buffa as soon as possible. One of their team will be able to help you and discuss their repayment options until you get back on track with your finances.

     

    Reviews

    The reviews for Buffa on Trustpilot are fantastic. They have been rated a full 5 stars out 5 by their customers! An impressive 99% of their reviews have been rated as either Excellent and good with only 1% of their reviews been rated as bad!

    Previous Buffa customers repeatedly praise them for the excellent and fast service along with their exceptional customer service team.