I would like to borrow £400 until December the 15th, when I get paid shortly before christmas.

I have been quoted 1600 per cent, so I understandably want to get that down to about 40% APR just like on my credit cards. You will get your money back as I work for a large organisation and they pay on time without fear or hassle. I know some quick loan lenders prefer us to have a debit card, I don't have one but I do have a bank account and a cheque book from which I can pay the money back.

So please help me by lending me this money quickly