If you have questions about the service that a payday loan company provides in the run-up to making an application, or if you have a query during the repayment period that you need addressing, it can be reassuring to know that you have different options to get in touch with your loan provider. Some companies have more avenues of communication than others, and this article will explore the most common forms of contact which online lenders are offering at the moment.

Dependent on the size of the payday loan company, they might have a call centre which you can use to receive an update on the application you have made, resolve an issue which you might have with the current loan, or double-check that a payment you need to make has got through OK.

Should telephone be your preferred port of call for getting in touch with a lender, you should check how accessible the number is. For example, things to check include the opening hours of the service. If you work during office hours, it can be worthwhile to look for lenders which open early in the morning, are available late in the evening, on weekends or even 24 hours a day. Also, opting for a payday loan company with a free phone number can prevent you from paying premium rates.

Some online lenders have also opted to keep communication strictly online. Most lenders have an online form where you can send through any questions or comments you may have. Hopefully, you can find that any issues you may have will be addressed in a ‘frequently asked questions’ section on the website, saving you time as you wait for a reply. If you are still on the lookout for a lender, be sure to go for a company which aims to reply promptly to queries – within three business days or sooner if the nature of your query is urgent.

You can’t get more prompt that an instant messaging or live chat service, which some payday lenders are beginning to introduce onto their website. This is where you can get in touch with a representative from the company and ask questions directly to them – getting a reply within seconds. They can personally address any problems you might have through accessing your account and resolving the matter for you too – eliminating the arduous waiting times and inconvenience of waiting for a reply.

Just like telephone call centres, some live chat services are only available at certain times of the day – so make sure you check before you try to login. Customer service is being regarded as increasingly important by payday loan providers. As you can imagine, this is great news for you as it means you can get any matters you have regarding your transaction addressed.

If you are still on the lookout for a lender to choose, the design and usability of the website should be at the top of your priorities. Services with an online login system for you can simplify things and make life far easier.