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G72.co.uk, for people who want to save
and make money

Welcome G72.co.uk, your site for saving and making money.

Whether you’re trying to increase the weekly budget, are feeling the pressure of the credit crunch or just want to make some extra cash, g72.co.uk lists services and information with competitive solutions for you.

Info Library

Welcome to the G72.co.uk Info Library. Here you can find out a bit more about the services and products listed on this site, plus some additional information on useful money-related topics. Get reader-friendly key information and facts on what to look for when choosing a cheap loan or find out where to get the best discounts on your regular shopping here!

  • Sell Your Gold Information
  • Sell Your Mobile Information
  • Payday Loans
  • Logbook Loans

Sell Your Gold Information

What is a Sell Your Gold Service?

A Sell Your Gold service is a specialist online service for people to exchange their unwanted or broken gold items for cash. These services offer to test and value your items and will then offer payment. They are sometimes known as Cash for Gold, Money for Gold or Sell Gold for Cash services.

What Gold do they Accept?

Sell Your Gold services usually accept the following items:

  • Necklaces
  • Pendants
  • Chains
  • Bracelets
  • Rings
  • Earrings
  • Cufflinks
  • Brooches
  • Coins
  • Bullion
  • Watches
  • Gold dental crowns or bridgework
  • Kruggerands
  • Other precious metals

Can I send Broken or Mismatched Gold?

Yes; in most cases you can send in gold items even if they are broken, tangled up or mismatched. You may even be permitted to send in items which are only partially made of gold.

How much Money will I Make?

This depends. You can do an initial enquiry online as most Sell Your Gold services have a handy online calculator. This allows you to enter the weight (in grams) and carat amount of your gold — the calculator will then tell you how much money the company can offer this. Note that this value is usually an estimate; you will need to send your items to get an accurate valuation.

What Payment Options are there?

The bit we’ve all been waiting for: when the money arrives! Most Sell Your Gold services offer the money in one of the following formats —

  • Cheque
  • Bank Transfer
  • Postal
  • Cash

However, this varies according to provider. Most providers offer the cheque option but if you prefer another variant, check in advance (use the comparison table on our site to view what payment options are offered).

How do I send my Gold?

Once you have chosen a Sell Your Gold service, you can request a special insured Gold Pack. This is usually provided by Royal Mail and is insured up to a certain amount. That means if your items get lost in the post, there’s nothing to worry about.

How do they Test the Gold?

Most Sell Your Gold services have special state-of-the-art testing procedures in place. This ensures that they can send you’re the most for your gold. They will also use special weighing methods to make sure everything is accurate.

How Often are Gold Prices Updated?

Gold prices are updated regularly throughout the day on Sell Your Gold websites so that you can check that you are getting the most competitive prices for your gold.

Sell Your Mobile Information

What is a Sell Your Mobile Service?

Most UK homes have at least three old mobile phones lying around in cupboards and drawers. Usually they just take up space, but you can get rid of them — in exchange for cash!

Sell Your Mobile services offer varied prices for old mobile phones — the amount you receive depends on the model and make of your phone. The services specialist in buying old phones and doing a variety of things with them, including:

  • Dismantling the phone and re-selling the parts
  • Renewing the phone to sell in Africa, Asia and developing nations
  • Recycling them in an environmentally friendly way

What Items do they Accept?

Sell Your Mobile services accept most models and makes of mobile phones. You can usually check this on their website. Some also offer to exchange inkjet cartridges and iPods.

What do I need to Do?

You search for a Sell Your Mobile service — do this in minutes using our handy comparison table. Take a moment to look at how much they offer for your mobile and what payment options they provide. Usually they offer an online calculator — select your phone make and model and check how much is offered.

How does it Work?

Once you have found a service which suits you, send your mobile into an envelope and post to the company (this is usually offered for free and in many cases the service will send you a padded envelope). The company will then test and validate your phone. Depending on what payment method you request, you will receive your payment within a specified length of time.

What Payment Options are there?

This depends on the service. You will see these listed out in our comparison table — often cheque payment is offered, or BACS transfer. In some cases you can request to receive payment via vouchers.

What are the Advantages?

Getting rid of clutter for cash is always an advantage! Most people have at least one or two old phones which they have discarded because a better one came along. In general, you will get more money for them by using a Sell Your Mobile service than if you exchange or part-exchange them at the high street mobile phone provider. Also, you could be helping a worthy cause by having the phone recycled safely or renewed.

What are the Disadvantages?

There isn’t much to say against a Sell Your Mobile service because it is such a useful way to make a quid or two. However, in some cases the service will not offer a free postal system or they may request that you arrange for your own postage. If you are worried about the contents of the envelope getting lost, you will need to arrange your own insurance or special delivery.

Payday Loans Information

Payday loans are sometimes known as fast cash loan, easy loans or wageday advances. The idea of a payday loan is to tide you over until your next payday. This could be for a range of reasons including:

  • Haven’t got enough cash till payday
  • Emergency costs
  • DIY
  • Anything!

Yes, that’s right: you can get a payday loan for any reason you wish. Unlike traditional bank loans, payday loans don’t have much criteria and you can borrow small amounts too.

How Much can I borrow?

This varies, but most payday loans in the UK range from between £80 and £1,0000. If you need to borrow then it might be worth looking at alternative low credit loans like bad credit loans.

Am I Eligible for a Payday loan?

This is the best bit of a payday loan — as long as you fulfil a small checklist, you are more than likely to receive an approval for your payday loan application. Here are some things you will need to apply in most cases (check before as these may vary slightly):

  • Be at least 18 years of age
  • Be a full UK resident
  • Be employed/receive a regular income
  • Have a valid (working) bank account
  • Have some form of I.D.

How can I apply?

Applying for a payday loan is very easy. Simply choose a provider using a good online comparison site. This will help you to compare things like how much you can borrow and how much income you need to be eligible (don’t worry; this won’t need to be much). Next, apply directly online — this will involve a very short form. One or two clicks later and you will receive an instant decision. Your money will arrive later today or within around 2 working days.

Are there any Credit Checks?

Unlikely. Most payday loan providers do not carry out credit checks (if they do, they will make this clear on their website). This means that almost any adult is able to apply for a fast cash loan and won’t need to worry if they have a poor credit rating.

What are the Terms?

Payday loans vary in terms. Compare these to see what is involved, but in general a payday loan is designed to be paid back in 2 weeks to a month (i.e. until your next payday). As the loan is short term, the APR is generally a bit higher than on a regular high street loan.

However, payday loans are designed to see you through a tricky cash periods and the fact that there is so little required to be eligible means that the lender needs to contend with a higher risk level to themselves.

Are there any Risks?

As with any form of borrowing, there are risks involved in getting a payday loan. Ask yourself why you need the money — and why you may not be able to get a mainstream loan. Short-term, high interest loans can lead people who already have money issues into further credit problems.

Think carefully about how much you need the loan — and make sure you are prepared to pay it back on time. If you are able to repay the loan quickly then it can be a useful way to tide you over.

Logbook Loans

There are other easy loans available online today. These include:

Logbook Loans

Logbook loans, like payday loans, provide an ideal solution for people who need access to emergency funds. They are similar to payday loans in many ways — they are available online via a speedy application process and credit checks are rarely carried out.

But unlike a payday loan, the Logbook Loan is a secured loan. This means it is secured against an item of yours — a vehicle. This allows you to borrow a bit more money (though the amount depends on the lender).

How Much can I borrow?

Logbook loans range between around £100 and £50,000. The amount you can borrow depends on the value of your car.

What are Logbook Loan Terms?

Terms vary according to lender, but in most cases your vehicle will need to be under a certain age and clear of any finance. The loan will last between a week to a month to 78 weeks.

Am I eligible for a Logbook Loan?

If you are at least 18 years of age and your vehicle meets the lender’s criteria, you should be well on your way to getting a logbook loan. You may need a regular income (so that the lender knows they are going to receive money from you!) and you may need to prove this income.

The age and value of your car will also play a part — check what is required with the lender as this varies.

Are there any Credit Checks?

There are not likely to be any credit checks on a logbook loan. This is because the lender will take your car logbook until the loan is paid off — this is security for them. They are not interested in your credit history, so applicants who have

  • Poor credit rating
  • CCJs
  • Arrears

..can all apply.

Are there any Risks?

Yes. As with any loan product there are things to be careful of. With a logbook loan, you are using your car to guarantee the loan. That means if you are unable to keep up with the repayments of the loan, you could risk losing your car as a result. This is something to consider before applying for a logbook loan — how much can you afford to borrow and will you be able to pay the loan off on time?

What are the Advantages?

A logbook loan is highly useful for emergency funds when you need them most. The fact that you do not need to prove your credit history and fill out endless paperwork is also a great advantage. You will receive the money quickly and without hassle.

Are there any Disadvantages?

There are one or two things to bear in mind before applying for a logbook loan. First, remember that as this is a fast cash loan with a relatively short loan period, the interest rate (APR) will be much higher than on a traditional secured loan. This is because the lender is contending with the elevated risk as a result of not requiring lengthy credit checks. Ask yourself why you need the money — are you already in financial difficulty? Perhaps applying for more credit won’t help to solve your situation. It is always wise to speak to an Independent Financial Advisor (IFA) if you have any financial questions or worries.