Get help

307
Can I still take out another loan before I pay this one off?

At the moment Peachy.co.uk does not offer top-ups. You are able to reapply for a new loan after repaying your outstanding loan amount.

Think carefully before you take a short term loan and make sure that you are able to repay the outstanding balance on the due date.

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EARLY REPAYMENT CHARGES?

 

 

We do not charge you extra for repaying early, instead we decrease the daily interests from the repayment amount if you repay your loan early. Just send us a text REPAY to 68899 or log into your account and click on REPAY to make an early repayment. Alternatively you can use our mobile app and press the REPAY button.

 

335
Is my application being approved?

As soon as one of our agents has looked through your application, you will receive either an email and or a text message on to your mobile phone about our decision or if any additional information is required to continue. If you have not received any information yet, then most likely your application is in the queue of being looked through, however you might want to check your email inbox and spam folder so you would not miss out on any information.

343
How long does it take?

We usually process your application within minutes. After that it is only a case of how fast the bank transfer can be completed. Most major banks operate instant transfer schemes, so a two hour wait should be the most you will have to endure, but usually it takes about 15 minutes. Smaller banks may still be working to introduce Faster Payment Systems and so transfers may take 3 working days to arrive, but we will contact you if this is the case.

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What is wrong with my application?

For precise information concerning your account, please contact customer support by calling:02035985241 (London local, charges depend on the carrier) OR 08000124743 (Free from a land-line, charges may apply from mobile phones) OR send an email to info@peachy.co.uk. Our office opening times are Mon-Fri 8am-8pm and Sat-Sun 9am to 5.30pm.

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Will you contact my employer?

We will evaluate your application by running it through a credit reference agency, however according to our general procedure rules we do not try to contact your employer. In case we do need to speak to you, we will try contacting you on your mobile number and landline provided on your application.

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How can I extend my loan?

You may apply for a loan payment holiday through the My Account area or by simply sending a text message saying EXTEND to 68899. Then your payment will be postponed until your next payday.  All loan payment holidays are at our discretion and subject to us meeting our responsible lending obligations.

 

Please note that in order apply for a loan payment holiday you need to pay the outstanding interest and fees of your current payment immediately and you have an option to postpone your payment 2 times successively.

Think carefully - loan payment holiday may not be the best option and may make things worse. We would not encourage you to postpone your payment if the result will be that your commitments will not be sustainable. Please note that using the loan payment holiday can increase the total cost of your loan.

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To contact customer support line.

You can contact our Customer Support via e-mail info@peachy.co.uk or via phone on 02035985241 (London local, charges depend on the carrier) OR 08000124743 (Free from a land-line, charges may apply from mobile phones).

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Would my credit score increase more if I repaid the loan early?

It will not increase more than it would if you paid your loan back on time.

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How can I repay my loan?

You have 3 different options to repay your loan with Peachy:

1) You must ensure that you have enough funds available on your debit card on the due date. We will collect the loan repayment from your debit card automatically. If you want to repay the loan before the due date, just send us a text REPAY to 68899 or alternatively you can login to your account or use our mobile app and click REPAY. Please note that all the fees and charges have to be paid in total according to the credit agreement and we will debit your card for the amount due under agreement including the amount you borrowed and interest and other charges accrued.

We use continuous payment authority (CPA) to collect repayment on your promise date. You can cancel a CPA at any time. You can do this by contacting us on 02035985241 (London local, charges depend on the carrier) OR 08000124743 (Free from a land-line, charges may apply from mobile phones) or by emailing us at info@peachy.co.uk. If you cancel your CPA you will need to make other arrangements to pay us what you owe - late payments will lead to additional costs.


You can also tell your bank at any time to stop making payments under the CPA.

2) You can pay in cash. PayCash is an online, secure real-time cash payment method.
With no pre-payment or pin number required, it allows you to make cash payments easily.

You just need a barcode from us and go to the nearest Paypoint terminal.

You can request a barcode through the ‘my account’ area or by simply sending text message saying PAYCASH to 68899

There are 26,700 PayPoint terminals in newsagents, convenience stores, supermarkets, garages and off-licences across the UK. Most are open long hours, many seven days a week.
With PayCash you can also pay using any payment card.

To find the nearest terminal click here: http://www.paypoint.co.uk/paypointlocator

For more information, please watch the PayCash video below:

http://www.paypoint.net/services/payment-methods/paycash/

 

3) You can make us bank transfer to cover your debt using the following details:

Bank: Barclays;

Account name: Cash On Go Ltd;

Account number: 43882942;

Sort code: 200353

Ref: your loan agreement number

59
How fast will the loan be in my account?

We usually process your application within minutes. After that it is only a case of how fast the bank transfer can be completed. Most major banks operate instant transfer schemes, so a two hour wait should be the most you will have to endure, but usually it takes about 15 minutes. Smaller banks may still be working to introduce Faster Payment Systems and so transfers may take 3 working days to arrive, however we will contact you if this is the case.

31
Do you offer any more than £500?

Peachy offers loans from £50-£700 with an option to pay it back in up to 12 payments over 1 year.

 

51
How much money can I borrow from Peachy?

At the moment you can borrow from £50 to £700 from Peachy.  Eventually it depends on your credit score and history with us.

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I have not received my activation email!

If you have an active spam filter on your email account it is possible that our message has been incorrectly flagged as spam. Please check your junk mail or spam folder. To prevent this happening in the future, just add info@peachy.co.uk to your contacts or mark it as a safe address. If you can't find our messages anywhere, then the email address which you supplied to us may have been mistyped. In the event of this happening you should contact us by phone 02035985241 (London local, charges depend on the carrier) OR 08000124743 (Free from a land-line, charges may apply from mobile phones). We will then correct the details and you can complete the activation process. 

If you are sure the email address you provided us with is correct, then you may send us a text message with the content VERIFY to our shot number 68899 and you will receive a new activation package (email and password).

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What is my password?

Your password is the 6-digit number that was sent to your mobile number. If you do not have the original password anymore in your mobile, then please request for a new one by sending us a text message "PASSWORD" to 68899. In case your mobile number has changed, then please contact contact customer support by calling 02035985241 (London local, charges depend on the carrier) OR 08000124743 (Free from a land-line, charges may apply from mobile phones) or send an email to info@peachy.co.uk, to update the details in our systems as well.

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I cannot log in. Why?

For precise information concerning your account, please contact customer support by calling02035985241 (London local, charges depend on the carrier) OR 08000124743 (Free from a land-line, charges may apply from mobile phones) or send an email to info@peachy.co.uk. Our office opening times are Mon-Fri 8am-8pm and Sat-Sun 9am to 5.30pm.

22
Is my loan repaid?

For precise information concerning your account, please contact customer support by calling 02035985241 (London local, charges depend on the carrier) OR 08000124743 (Free from a land-line, charges may apply from mobile phones) or send an email to info@peachy.co.uk. Our office opening times are Mon-Fri 8am-8pm and Sat-Sun 9am to 5.30pm.

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How can I activate my account?

As soon as you have completed the registration form we will send you an activation link to your email. Just click on the link in the email and you will then be forwarded to our website where you need to enter the password that was sent to your mobile.

If you have not received the email/password yet, there's a chance or a typing error in the details you have provided, therefore we suggest you to contact our Customer Support on 02035985241 (London local, charges depend on the carrier) OR 08000124743 (Free from a land-line, charges may apply from mobile phones) or via email on info@peachy.co.uk.

In case you are sure the details provided were all correct you may send us a text message with the content VERIFY to our short number 68899 to get a new activation package.

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How much do I need to pay?

To check your balance you may log in to your Peachy account with your email address that you registered with us and the 6-digit code that was sent to your mobile as your password. Alternatively you may give us a call on 02035985241 (London local, charges depend on the carrier) OR 08000124743 (Free from a land-line, charges may apply from mobile phones) or send your request to us via email info@peachy.co.uk and we will contact you as soon as possible. Our office opening times are Mon-Fri 8am-8pm and Sat-Sun 9am to 5.30pm.

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How long do i have to wait for a password?

Usually it takes up to 15 minutes to get the password. If you have not received the 6 digit code, then please order a new one by sending us a text PASSWORD to the number 68899.