{"id":27535,"date":"2025-05-08T10:44:00","date_gmt":"2025-05-08T10:44:00","guid":{"rendered":"https:\/\/www.lendingstream.co.uk\/blog\/?p=27535"},"modified":"2025-05-08T10:44:04","modified_gmt":"2025-05-08T10:44:04","slug":"advantages-and-disadvantages-of-payday-loans","status":"publish","type":"post","link":"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/","title":{"rendered":"11 Advantages and Disadvantages of Payday Loans"},"content":{"rendered":"\n<p>Payday loans used to be popular in the UK. Many people used to look to them as a solution for their financial needs. Many payday lenders have gone out of the market and stopped lending. There are still some around, but most other lenders will now offer more flexible options.<\/p>\n\n\n\n<p>If you&#8217;re considering applying, there are advantages and disadvantages of payday loans to be aware of.<\/p>\n\n\n\n<p>In this article, we will explore the pros and cons of payday loans in the UK. We&#8217;ll also take a look at some of the alternatives to payday loans.<\/p>\n\n\n\n<p><strong>Key takeaways<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.lendingstream.co.uk\/loans\/payday-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Payday loans<\/strong><\/a> offer quick access to cash. But they come with very high interest rates and the risk of falling into a debt cycle.<\/li>\n\n\n\n<li>Credit unions and traditional bank loans are more affordable but may require a decent credit score. There are other high-cost, short term loans, like instalment loans and bad credit loans, which might be useful.<\/li>\n\n\n\n<li>Payday loans can negatively impact credit scores, if not repaid on time.<\/li>\n<\/ul>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f28551f17ee\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f28551f17ee\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#understanding_payday_loans\" >Understanding payday loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#payday_loans_advantages\" >Payday loans advantages<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#1_quick_access_to_funds\" >1. Quick access to funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#2_more_available_for_bad_credit_in_some_cases\" >2. More available for bad credit (in some cases)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#3_repaid_quickly\" >3. Repaid quickly<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#4_no_collateral_required\" >4. No collateral required<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#payday_loan_disadvantages\" >Payday loan disadvantages<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#1_high_interest_rates\" >1. High interest rates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#2_short_repayment_periods\" >2. Short repayment periods<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#3_risk_of_debt_trap\" >3. Risk of debt trap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#4_may_lead_to_multiple_loan_cycles\" >4. May lead to multiple loan cycles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#5_impact_on_credit_score\" >5. Impact on credit score<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#exploring_alternatives_options\" >Exploring alternatives options<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#1_bad_credit_loans\" >1. Bad credit loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#2_instalment_loans\" >2. Instalment loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#3_credit_unions\" >3. Credit unions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#4_traditional_lenders\" >4. Traditional lenders<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/advantages-and-disadvantages-of-payday-loans\/#final_words\" >Final words<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"understanding_payday_loans\"><\/span><strong>Understanding payday loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"532\" height=\"399\" src=\"https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Understanding-Payday-Loans.jpg\" alt=\"Understanding Payday Loans\" class=\"wp-image-27548\" srcset=\"https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Understanding-Payday-Loans.jpg 532w, https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Understanding-Payday-Loans-300x225.jpg 300w, https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Understanding-Payday-Loans-80x60.jpg 80w, https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Understanding-Payday-Loans-265x198.jpg 265w\" sizes=\"(max-width: 532px) 100vw, 532px\" \/><\/figure>\n\n\n\n<p>A payday loan is a <strong><a href=\"https:\/\/www.lendingstream.co.uk\/loans\/short-term-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">short term loan<\/a><\/strong> designed to provide borrowers with quick access to cash. Payday lenders typically offer small loan amounts, usually up to \u00a31,000. These must be repaid within a few weeks or months, depending on the terms of the loan.<\/p>\n\n\n\n<p>They tend to be very high APR. This is partly because they are high-cost, but it&#8217;s also because APR is designed to show an annual rate. If a loan is for less than a year, the APR shows what it would cost if the same rate was for a full year. If it&#8217;s using compound interest rates, this can become very high. It&#8217;s a correct measure, but it&#8217;s not necessarily intuitive.<\/p>\n\n\n\n<p>And the difference of a very small amount over a month can mean a lot over a year. It&#8217;s worth looking at the total amount you&#8217;ll need to repay when comparing. Even by this measure, though, payday loans tend to be more expensive than most alternative loans.<\/p>\n\n\n\n<p>Payday lenders mostly operate online but there may still be some high street shops around. You&#8217;ll need a valid bank account and some personal information. This includes your name, address, and employment details. Also, an authorisation for the lender to access your bank account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"payday_loans_advantages\"><\/span><strong>Payday loans advantages<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_quick_access_to_funds\"><\/span><strong>1. Quick access to funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Payday loans offer quick access to cash.<\/strong> This is one of their biggest advantages and what makes them popular in emergency situations. Generally, application decisions are made quickly. And most times, you can expect cash in your bank account within the same day or even in an hour.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_more_available_for_bad_credit_in_some_cases\"><\/span><strong>2. More available for bad credit (in some cases)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Part of the reason payday lenders are higher-cost is because they&#8217;re a higher risk for the payday loan lender themselves. They tend to offer them to people who don&#8217;t have great credit ratings. This means there&#8217;s a higher risk the borrower will repay late or not repay at all. But this also means you may get accepted for a payday loan even if you&#8217;ve been turned down elsewhere.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_repaid_quickly\"><\/span><strong>3. Repaid quickly<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Payday loans can be useful if you&#8217;re trying to avoid longer-term repayments. If you&#8217;re just after a small amount of money, they&#8217;re usually repaid in one or two instalments. You can also often repay them earlier and save money. And once it&#8217;s repaid, you&#8217;re done.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_no_collateral_required\"><\/span><strong>4. No collateral required<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Unlike secured loans that require borrowers to pledge assets as collateral, payday loans are unsecured. This means payday loan borrowers don&#8217;t have to risk losing their valuable possessions. This includes a car or property if they are unable to repay the loan.<\/p>\n\n\n\n<p>Overall, payday loans can be a helpful solution for individuals facing urgent financial needs. However, it is important to carefully consider the potential risks and drawbacks. Like high interest rates, and the risk of falling into a debt cycle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"payday_loan_disadvantages\"><\/span><strong>Payday loan disadvantages<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_high_interest_rates\"><\/span><strong>1. High interest rates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Payday loans are known for their high-interest rates. It is significantly higher than those of traditional <strong><a href=\"https:\/\/www.lendingstream.co.uk\/loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">loans<\/a><\/strong> or credit cards. Borrowers may not fully understand the cost of borrowing. This can lead to significant financial strain and difficulty repaying the loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_short_repayment_periods\"><\/span><strong>2. Short repayment periods<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Payday loans usually have a short repayment period. This is often due on the borrower&#8217;s next payday, which is typically within two to four weeks. It&#8217;s one of those things that can be both an advantage and a disadvantage, depending on the borrower. This short time frame to repay the loan can be challenging for some. It leads to an increased risk of defaults and missed payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_risk_of_debt_trap\"><\/span><strong>3. Risk of debt trap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>One of the most significant disadvantages is the <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-get-out-of-debt\/\"><strong>potential for a debt cycle<\/strong><\/a>. High-interest rates, combined with short repayment terms, can make it difficult to repay the loan on time. This can lead to further borrowing and mounting debt. In some cases, it can lead to longer-term issues.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_may_lead_to_multiple_loan_cycles\"><\/span><strong>4. May lead to multiple loan cycles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If payday borrowers are unable to repay the loan on the due date, they may be tempted to take another loan. However, doing so can just extend or even increase the problem. And the borrower can find themselves trapped in a cycle of debt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_impact_on_credit_score\"><\/span><strong>5. Impact on credit score<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Taking payday loans can negatively affect your credit history and score. Failing to repay your loan on time can lower down your credit rating. Even if you repay payday loans on time, some lenders consider them financially irresponsible. So if you&#8217;ve taken one recently, you may have issues if applying for something with better rates.<\/p>\n\n\n\n<p>It is essential to understand the risks associated with payday loans. And carefully consider the pros and cons of payday loans before deciding if they are the right option for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"exploring_alternatives_options\"><\/span><strong>Exploring alternatives options<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_bad_credit_loans\"><\/span><strong>1. Bad credit loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong><a href=\"https:\/\/www.lendingstream.co.uk\/loans\/bad-credit-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bad credit loans<\/a><\/strong> are loans specifically designed for people with poor credit histories. Or even with low credit scores. These loans offer opportunities for people with damaged credit to borrow money. But they often come with higher interest rates and less favourable terms than loans offered to those with good credit.<\/p>\n\n\n\n<p>Bad credit loans can be both secured (requiring collateral) and <strong><a href=\"https:\/\/www.lendingstream.co.uk\/loans\/unsecured-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">unsecured<\/a><\/strong> (without collateral). They are commonly used to consolidate debts, cover emergencies, or rebuild credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_instalment_loans\"><\/span><strong>2. Instalment loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Instalment loans are another alternative to payday loans. These loans allow you to <strong><a href=\"https:\/\/www.lendingstream.co.uk\/loans\/borrow-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">borrow money<\/a><\/strong> and repay it in regular instalments. Depending on the lender, this could be over a few months or years.<\/p>\n\n\n\n<p>These loans may have lower interest rates than payday loans and offer more manageable repayment terms. However, they may still have high APRs and can be difficult to obtain if you have bad credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_credit_unions\"><\/span><strong>3. Credit unions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Credit unions are non-profit financial organisations that offer a range of banking services. These include loans. Credit unions are owned by their members and focuses on providing affordable financial services.<\/p>\n\n\n\n<p>Credit unions offer unsecured loans that typically have much lower interest rates than payday loans. They also offer flexible repayment terms and are more willing to work with borrowers who have poor credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_traditional_lenders\"><\/span><strong>4. Traditional lenders<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you have a <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-is-a-good-credit-score-uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">good credit score<\/a><\/strong>, you may be able to borrow from a bank or building society. Traditional loans generally have lower interest rates than payday loans. They&#8217;re also likely to be for a longer period of time. It may also be that you can get an overdraft or credit card instead.<\/p>\n\n\n\n<p>However, traditional lenders are often more selective in their lending practices. They may require a more in-depth application process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"final_words\"><\/span><strong>Final words<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>While payday loans can be a useful tool for accessing cash quickly, they come with significant risks. It is important to carefully weigh the pros and cons before borrowing money through a payday lender.<\/p>\n\n\n\n<p>Consider your financial situation and explore other loan options. You should be aware of <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-many-payday-loans-can-you-have-at-once\/\" target=\"_blank\" rel=\"noreferrer noopener\">borrowing multiple payday loans<\/a><\/strong>, due to high fees. And if you want to keep your credit score healthy, avoid defaulting on your loan.<\/p>\n\n\n\n<p><strong>Disclaimer<\/strong>: The information given above is provided for information purpose only. This is not financial advice.<\/p>\n\n\n\n<p><strong>Related guides:<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-get-out-of-payday-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>How To Get Out of Payday Loans<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/do-payday-loans-affect-your-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Do Payday Loans Affect Your Credit Score<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/are-payday-loans-bad\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Why Should You Avoid Payday Loans<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-should-you-look-for-in-payday-loans-direct-lenders\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>What Should You Look for In Payday Loans Direct Lenders<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Payday loans used to be popular in the UK. Many people used to look to them as a solution for their financial needs. Many payday lenders have gone out of the market and stopped lending. There are still some around, but most other lenders will now offer more flexible options. If you&#8217;re considering applying, there [&hellip;]<\/p>\n","protected":false},"author":48,"featured_media":27538,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[267],"tags":[],"class_list":["post-27535","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans"],"_links":{"self":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27535"}],"collection":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/users\/48"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=27535"}],"version-history":[{"count":6,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27535\/revisions"}],"predecessor-version":[{"id":28174,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27535\/revisions\/28174"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media\/27538"}],"wp:attachment":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=27535"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=27535"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=27535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}