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At Forward Finance we are committed to lending in a responsible manner. If we do not believe that you can afford to repay a loan then we will not approve it. Our payday loan and short term loan products are designed as a short term fix for unexpected bills, short term one-off cash shortages and emergency fast cash. If you don't believe that you can make the repayments as detailed then our products are not for you. Our charges are fixed and we will let you know what they are before you commit to a loan. There are no hidden extras. Please be advised that we may use a credit reference agency when underwriting your application, we will always inform you before we start any searches.