Paid directly into your Sterling Card account
Get a short-term loan up to £400 - Cash in 1 hour
Make any day payday with a loan of up to £400
Most of us have needed money in a hurry for anything from urgent repairs to an unexpectedly high utility bill. Well, next time you need some extra cash, you could borrow up to £400 in cash until your next payday with an iAdvance‡.
Getting your loan's easy
Once you have your Sterling Card with a Total Access account, the simplest way to qualify for a loan of up to £400 is to have your wages paid directly to your Sterling account.
- Decide how much you need – up to £400 each time
- Choose how long you’ll want the money, from 1-25 days before you get paid
- Apply in seconds in the Members' Area - you'll get an instant decision. (If you'd like help with your application or you'd like to know more, just call us on 0845 351 0463±
- The money's guaranteed to be in your account within one hour of approval
It costs you just £2 per £100 per day, so a £50 loan borrowed for 5 days would cost just £5. And the faster you pay back the loan, the less it will cost!
Representative example: Amount of credit £100 for 15 days, Total amount payable £130, Interest £30, Interest rate 730% pa (fixed) and Representative 730% APR.
If you're a Sterling cardholder with an Express Access Account, first upgrade your account and then arrange to have your wages paid straight into your Sterling Account. Then just follow steps 1-4 above!
And if you're not already a Sterling cardholder, apply for a card now in a couple of minutes. There are no credit checks and as long you live in the UK and you're over 18, you’re 100% guaranteed* to be instantly approved for a Sterling prepaid MasterCard®.
Look out for the 'iAdvance button' in the Members' Area - if you can see one, you're already approved for a loan.
*Subject to our Terms and Conditions including the applicant providing acceptable identification, being resident in the UK, aged 18 years or older if primary cardholder, or 13 years or older if additional cardholder. The Sterling Prepaid MasterCard® is issued by APS Financial Ltd ("AFL") pursuant to license by MasterCard® International Incorporated. AFL is authorised and regulated by the Financial Services Authority. (www.fsa.gov.uk/register) Registered in England no. 06029941. Your card will be serviced by Advanced Payment Solutions Ltd ("APS") which operates the card on behalf of AFL. Registered in England no. 04947027. AFL & APS registered address is 6th Floor, One London Wall, London, EC2Y 5EB. MasterCard® is a registered trademark of MasterCard® International Incorporated. The Post Office® and Post Office symbol are registered trademarks of Post Office Ltd.
‡ Creditbuilder and iadvance are registered trademarks of and provided by Advanced Payment Solutions Ltd (APS). Creditbuilder is only available with our monthly plans. iadvance is subject to depositing salary, wages or approved loads into your account. APS Consumer Credit Licence No. 0608377.
±Calls are charged at local rates from BT landlines. Calls from other networks or from outside the UK may vary.
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Sterling Card, Athene House, 86 The Broadway, Mill Hill, London, NW7 3TD
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*Subject to terms and conditions including applicant providing acceptable ID, being a UK resident & aged 18 years+. Card & usage fees apply. Sterling Cashplus is issued by APS Financial Ltd (AFL) pursuant to license by MasterCard International Incorporated. APS Financial Limited is authorised by the Financial Services Authority under the Electronic Money Regulations 2011 for the issuing of electronic money. (www.fsa.gov.uk/register/2EMD/2EMD_MasterRegister.html Reference 900002). Cards are serviced by Advanced Payment Solutions Ltd ("APS") which operates the card on behalf of AFL. AFL & APS registered address is 6th Floor, One London Wall, London EC2Y 5EB. Registered numbers 06029941 & 04947027. Sterling Cashplus is a registered trademark of APS. MasterCard is a registered trademark of MasterCard International Incorporated. The Post Office® and Post Office symbol are registered trademarks of Post Office Ltd. †Creditbuilder is provided by APS. APS Consumer Credit Licence No. 0608377.
