Welcome


 

If you need £100 to £300 (£500 for returning customers) spread over 3, 5 or 6 months, we may be able to help!

We charge no application fees, no Faster Payment Fees, only daily interest.

 


 

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Welcome


 

If you need £100 to £300 (£500 for returning customers) spread over 3, 5 or 6 months, we may be able to help!

We charge no application fees, no Faster Payment Fees, only daily interest.

 


 

 
 

Welcome to Pacific Odyssey Loans

 

We charge daily interest and nothing else, 

no transfer fees & no application fees

 

Warning: Late repayment can cause you serious money problems.

For help, go to moneyadviceservice.org.uk

If you are in financial difficulty, we strongly recommend that you talk to a company that can offer you free and impartial advice. StepChange is a charity and they can help you get control of your finances. Best of all they offer a free service.

Click the logo above to go to their site.

Short Term Loans


When considering short term loans we understand you must be able to make an informed decision based on real facts and figures. These loans are now available from lots of different lenders and therefore we think it is important you can see all the important information in one place. 

 

Short term loans can be a great resource when you find yourself in a position where a little extra money is needed to see you through the month. Whether this is because an unexpected bill has come up or the car needs a repair, we understand these things may signal a need to borrow a little extra cash. 

 

We also understand that short term loans need to be flexible and able to work with your existing monthly bills and expenses and not against them. With this in mind we have designed a product based on flexibility and affordability. Remember, you should never borrow extra money when it is not affordable to do so. In order to decide if we are right for you we invite you to review the key feature of what we do below, then you can make an informed decision.

 

FLEXIBLE LENDING RESOURCE – We understand when you apply for short term loans you need a product based on choice and that’s exactly what our experienced lending team have to offer here.

 

FEE FREE APPLYING PROCESS – That’s right, unlike a mass of other lenders offering short term loans, we do not charge you a fee for applying for one of our loans. This means you can complete an application with peace of mind that you won’t be charged. This is still the case whether your application is successful or not, meaning we have a fee free application process. This really sets us apart from other lenders on the market.

 

SIMPLE TO APPLY – Thanks to the knowledge and experience our team have gathered we know how important it is that the application process of short term loans is simple and effective. That’s why you will find that to complete the entire application will not take you any longer than about 10 – 15 minutes. Once you have submitted the application to our lending team they will get to work completing their checks and the great news is that unlike some lenders, we promise to keep you up to date at every step of the way.

 

REPRESENTATIVE 1286.98% APR

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Short Term Loans


When considering short term loans we understand you must be able to make an informed decision based on real facts and figures. These loans are now available from lots of different lenders and therefore we think it is important you can see all the important information in one place. 

 

Short term loans can be a great resource when you find yourself in a position where a little extra money is needed to see you through the month. Whether this is because an unexpected bill has come up or the car needs a repair, we understand these things may signal a need to borrow a little extra cash. 

 

We also understand that short term loans need to be flexible and able to work with your existing monthly bills and expenses and not against them. With this in mind we have designed a product based on flexibility and affordability. Remember, you should never borrow extra money when it is not affordable to do so. In order to decide if we are right for you we invite you to review the key feature of what we do below, then you can make an informed decision.

 

FLEXIBLE LENDING RESOURCE – We understand when you apply for short term loans you need a product based on choice and that’s exactly what our experienced lending team have to offer here.

 

FEE FREE APPLYING PROCESS – That’s right, unlike a mass of other lenders offering short term loans, we do not charge you a fee for applying for one of our loans. This means you can complete an application with peace of mind that you won’t be charged. This is still the case whether your application is successful or not, meaning we have a fee free application process. This really sets us apart from other lenders on the market.

 

SIMPLE TO APPLY – Thanks to the knowledge and experience our team have gathered we know how important it is that the application process of short term loans is simple and effective. That’s why you will find that to complete the entire application will not take you any longer than about 10 – 15 minutes. Once you have submitted the application to our lending team they will get to work completing their checks and the great news is that unlike some lenders, we promise to keep you up to date at every step of the way.

 

REPRESENTATIVE 1286.98% APR

Our Rates


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Our Rates


FAQ


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FAQ


Q. If you are Pacific Odyssey, who are True Blue Loans and Fidelity Works?

A. Pacific Odyssey and True Blue Loans are both trading names of Fidelity Works Ltd. It is all one part of the same organisation. Fidelity Works Ltd will be the lender regardless of which brand you apply through. Many credit card companies have a range of cards each with a different brand on them.

Q. Do you lend to people who do not work full time.

A. We only lend to people who are in permanent employment and meet our minimum income requirements.  We will consider part time employed people as long as their salary is more than our minimum requirement.

Q. Are you a responsible lender?

A. Yes! – When we consider an application we want to make sure it is the right product for you and that you will be able to afford it. If we do not think this is the case we would rather decline the application than burden you with a loan you cannot afford. We extend our responsibility to look after those whose financial circumstances deteriorate after taking the loan too. 

Q. Do you credit search me?

A. Yes, we need to be sure that the loan is affordable to you so we want to see what other credit you have and whether you are repaying this.

Q. If you don't charge a fee why has my bank told me that you have taken £2.00 from me? 

A. We can promise you we have not taken any money from you. As part of our security checks we need to make sure that the debit card that you have supplied is valid and also belongs to you. In order to do this we conduct up to 2 'pre-authorisations' on the card of £1.00 each. By doing this we ask your bank to place a reserve on the funds in our name but the money remains in your account (although you cannot spend it). We have no intention of ever collecting these £1.00 amounts and so in about 5 - 7 days the reserve expires and the funds can be spent by you. (We got your consent to this in the Terms & Conditions that you agreed to when applying).

Q. Your rates table is great, but it says it is only an illustration. If I call you can you give me the exact figures for a loan?

A. No, not until you apply. As our loans have daily interest there are many things that will slightly change the cost and repayments on the loan. This includes the number of days until your first pay date and also the gaps between pay dates. When you have applied, and before you sign anything, we will give you the exact schedule of repayments…if you do not like them then you do not have to sign.

Q. What fees do you charge? 

A. We charge no upfront fees at all. The only fee we charge is a missed repayment fee to cover our additional costs. This can be up to £12.00 but will not exceed the Cost Capping Regulation limits. Of course daily interest is applicable to the loan.

Q. I am currently suffering from depression and on antidepressants, some days my head is all over the place, do you need to know about this?

A. Yes. Under the credit regulations, this is defined, along with many other conditions as a ‘mental health issue’. This makes you a vulnerable borrower in the eyes of the Consumer Credit Act. This does not preclude you from getting a loan, but does mean we have to take extra care of you when assessing whether the loan is right for you.

Q. What happens if after I get my loan I can't make a payment on the due date?

A. If you are unable to make your repayment as scheduled we need to know about this. We have many ways that we can help you whether by delaying a payment or offering a rescheduled payment plan with lower monthly repayments. We are a responsible lender and responsible collector and do care about our customers, so want work with you to make sure that your situation does not get worse.

We promise not to get angry and we will show you respect at all times.

Q. These FAQ’s are great, but I have a couple more questions about the loan that I am unsure about, what should I do?

A. The answer is simple - Ask Us. Before you take your loan it is crucial you do not have any unanswered questions. If you do, please call us on 01284 724651 where we will be happy to answer them. Alternatively, drop us an email and we will respond with the answers.

Q. What if you decline my application?

A. If, during our automated decision making process, we are unable to proceed with the application we will try to find another lender who may be prepared to lend to you. If we are successful you will be redirected to their website. You will be under no obligation to proceed with them and we will not charge you for this introduction. If you do not want us to try to find you another lender if we are unable to offer you a loan please click here to go to a special version of the application form. If you are applying on one of our other brands you will be redirected to trueblueloans.co.uk to make the application.

Apply Now


Please complete the application form below

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Apply Now


Please complete the application form below

Please fill in your personal and employment details below so that we can begin processing your application immediately. There are five stages to our application process.
 

Your data is completely safe and secure. We are PCI Compliant which means that your data is fully protected and there is no way that it can be stolen. Please check all the information you enter careful to ensure that nothing has been mistyped.

Representative Example: Representative 1286.98% APR on a loan of £300.00 with 5 monthly repayments of £101.03. Total amount repayable £505.13. Annual interest rate (fixed) 290%

Authorised and regulated by the Financial Conduct Authority

Fidelity Works Ltd is listed on the Financial Services Register under Interim Permissions Referance Number 655974

Fidelity Works Ltd is a company registered in England and Wales with company number 08282024 whose registered address is Salisbury House, Station Road, Cambridge, CB1 2LA

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