It always gets tricky this time of year for us as my wife and I get paid at different times of the month. I get paid at the end of the month whereas my wife gets paid around the 14th. In order to help bridge the gap over Xmas and cover some remaining gifts and Xmas foot bill I contacted Readies through their website for a short term loan to help us out. The whole application process went very smoothly - obviously lots of form filling online, but the approval process was quick and I had the £1000 in my account a couple hours later when I logged in to check the balance. It's not the type of borrowing I like to make a habit out of, but sometimes needs must, and if you're a responsible borrower it's a very useful option to have.