Warning: Late repayment can cause you serious money problems. For independent help, please go to www.moneyhelper.org.uk
How do I apply for a personal loan?
You can apply online through our website or by calling us on 0330 400 6000. All applications are subject to eligibility, credit and affordability checks.
How much can I borrow?
You may be able to borrow between £500 and £1,500, depending on your individual circumstances and the outcome of our affordability assessment.
Who can apply?
You may be able to apply if you:
You can apply whether you are a homeowner, tenant, or living with parents or family. Meeting these criteria does not guarantee approval. All applications are subject to affordability and credit checks.
Can I apply if I am bankrupt or in an IVA, DRO or Trust Deed?
At present, we are unable to accept applications from customers who are subject to:
How can I decide if this loan is suitable?
A personal loan may help in some situations, but it is important to consider whether borrowing is right for you.
This type of loan may be suitable if you:
It may not be suitable if you:
If you are unsure, free and independent debt advice may be a better option.
What is the eligibility checker?
Our eligibility checker uses a soft credit search to give an indication of whether you may be eligible for a loan. It does not affect your credit score and does not commit you to applying.
Does using the eligibility checker guarantee acceptance?
No. The eligibility checker provides an indication only. Final approval depends on a full affordability assessment, credit checks and verification of your details.
Do you carry out credit checks?
Yes. If you proceed with a full application, we will carry out credit, affordability, identity and fraud prevention checks using one or more credit reference agencies.
How much will my loan cost?
Before you decide whether to proceed, we will clearly show:
Representative example:
If you borrow £999 over 18 months at a flat rate of 132% per annum (fixed) with a representative 450.5% APR you will make 18 monthly payments of £165.39, repaying £2,977.02 in total. This means you would pay £1,978.02 in interest in addition to the amount borrowed.
The rate and term you are offered will depend on your individual circumstances.
Do you charge any fees?
We do not charge set-up fees, arrangement fees or late payment fees. However, missed and late payments may be reported to credit reference agencies and could affect your credit file and ability to borrow in the future.
What is APR (Annual Percentage Rate)?
APR shows the total yearly cost of borrowing, including interest. It helps you compare loans from different lenders. The APR you are offered will depend on your circumstances, loan amount and repayment term.
Do you pay commission to brokers?
Yes. We may pay commission to credit brokers or intermediaries who introduce customers to us. This commission is paid by us and does not affect your interest rate, loan terms or total amount repayable under your loan agreement.
When will I receive the loan funds?
If your application is approved, funds are usually paid by bank transfer on the same working day, subject to our working hours and your bank’s processing times.
What repayment options are available?
You can choose to repay your loan weekly, fortnightly or monthly.
How do I make repayments?
Repayments can be made by:
What is a Continuous Payment Authority (CPA)?
A CPA allows us to collect your agreed repayments automatically from your debit card on the due date. You can cancel a CPA at any time by contacting us or your bank. Cancelling a CPA does not cancel your loan, and repayments must still be made by another method.
What happens if I miss a payment?
We do not charge late payment fees. However, missed and late payments may be reported to credit reference agencies and could affect your credit file and ability to borrow in the future. If you are worried about making a payment, please contact us as soon as possible.
What if I’m struggling to make repayments?
If you are experiencing financial difficulty, please contact us as soon as possible. We may be able to discuss support or alternative arrangements based on your circumstances.
Free, independent debt advice is also available from:
You do not need to be in arrears to seek debt advice.
What if I need extra support?
We recognise that some customers may be in vulnerable circumstances. If you need additional support or find any part of the process difficult, please let us know so we can take this into account.
Can I settle my agreement early?
Yes, you can settle your agreement at any time and there is no penalty charge for doing so. To find out how much you need to pay to settle your agreement, simply request a settlement figure by logging into your online customer portal.
How do I request a settlement figure?
You can obtain a settlement figure by:
Please note that settlement figures are valid for 28 days from the date they are issued.
How can I make a settlement payment?
The quickest and easiest way to settle your agreement is through our secure online payment system, which can be accessed via your online customer portal.
Alternatively, you can call us on 0330 4000 402 to make a payment over the phone. Please note that we can only accept debit card payments from a card registered in the agreement holder’s name.
How do I withdraw from my loan?
If you decide you no longer want the loan, you must notify us that you wish to withdraw within14 days, which starts from the day your loan is paid out or the day you receive your credit agreement, whichever is later.
You can do this by:
We recommend contacting us as soon as possible if you decide to withdraw.
What happens after I withdraw from my loan?
If you withdraw from your loan, you must repay the amount borrowed plus any interest accrued from the date the credit was provided until the day you repay the loan, You must make this payment within 30 days of giving notice.
In the event you withdraw from this Agreement you are required to repay the total amount of credit provided and interest accrued from the date the credit was provided until the day you repay the loan, without delay and no later than 30 calendar days after giving notice of withdrawal.
What if I change my mind after withdrawal period has ended?
After the period for withdrawal has ended, you cannot cancel this agreement, but you can end it early by making early repayment.
How a top up loan works?
Top-up loans are only available on your existing loan product. If your loan is on an interest rate that is no longer offered for new lending, you won’t be eligible for a top-up or refinance. Your existing loan will continue on its current terms until it is repaid.
If you’re unsure which interest rate applies to your loan, please contact us on 0330 4000 402, and we will be happy to help.
Can I apply for a top-up loan?
You may be able to apply for a top up loan if you have held your current loan for at least 5 months and your repayments are up to date. All top-up applications are subject to eligibility and affordability checks.
Which credit reference agencies do you use?
We use the following credit reference agencies:
Searches may be recorded on your credit file and visible to other lenders.
What should I do if I think I’ve been a victim of fraud or a scam?
If you suspect fraud or a scam:
How do I make a complaint?
If you are unhappy with any aspect of our service, please refer to our Complaints section, which explains how to raise a complaint and how you can refer it to the Financial Ombudsman Service if needed.
No set up fees – Online application – Instant decision
Our application form is quick and simple. Once approved, expect the money the same day.
Security protocols and a valid SSL certificate ensures our customers' online security & safety.
Looking to repay early? Great! You can settle your loan at any point without financial penalty.