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Although we were satisfied that the reference later on in the ad to the loans as being suitable for those "experiencing one of life's little ups and downs" accurately reflected the main purpose of the credit product on offer, we considered that that was not sufficient to counteract the impression given elsewhere in the ad that payday loans of the type promoted were a suitable method of addressing wider financial difficulties.
We therefore concluded that the ad was irresponsible. On that point, the ad breached BCAP Code rule 1. 2 1. 2 Muthoot personal loan apply online must be prepared with a sense of responsibility to the audience and to society. (Responsible advertising). We noted that, under Regulation 6(1)(b), credit ads must specify real personal finance loans company RAPR if they included any incentive to apply for credit or to enter into muthoot personal loan apply online agreement under which credit was provided, and that that RAPR should be given greater prominence than the incentive (Regulation 6(2)).
We acknowledged the Money Shop's and the agency's argument that the offer of £5 cashback for every £100 borrowed, payable when the loan was repaid in full on or before its due date, was not an incentive but rather a reward for good borrower behaviour.
However, we considered that it was likely to encourage viewers to consider taking out a loan with that company and was therefore an incentive to apply for credit.
Commbank and existing Nimble Visa Prepaid Card customers are transferred funds within minutes of confirming their loan, 247. Customers of other banks or financial institutions, generally have funds transferred within 60 minutes of signing their loan contract between 9:00am and 4:30pm AEST on business days. Clearance times are subject to your bank. Approved borrowers may be eligible for a loan from 300 and up to 5,000.
Lending criteria, suitability checks, terms and fees apply. Cash Loans. Better value, no hidden charges.