Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Frequently Asked Questions

How much can I borrow?

Depending on your credit rating, employment status and affordability, up to £1000.

Is there a minimum age limit?

You must be 20 years old or over to apply.

How long have I got to pay loans back?

We have a range of 27-week loans, 40-week loans and 52-week loans.

Can I apply for a loan if I am on benefits?

Yes, you can apply if you are on benefits.

How long will applying for a loan take?

Approximately 10 minutes.

What if I decide to cancel the loan?

You have the right to cancel the loan and return the money for 14 days after the loan agreement is signed.

Will the loan show on my credit file?

On the initial search (soft search) no, but if you proceed with the loan application yes it will, a hard search is completed.

Do I have to provide evidence of income and expenditure

Yes, we will ask you to send us a recent bank statement. This will be reviewed by one of our trained staff

What is an affordability assessment?

So we do not put you in a position where loans are not affordable, we look at your income and outgoings.

Do I need a bank account?

Yes. We will transfer money into your bank account and take payments out via your debit card.

What is C.P.A?

C.P.A. is continuous payment authority, a secure way of repaying your loan.

How long before I receive the money?

Money will normally be in your account within 2 hours.

Do you keep my information?

If your application is successful, we retain your details for 6 years. If unsuccessful they are deleted after 6 weeks.

What if I hit difficulties repaying the loan?

Our customer service staff will help you if you are in difficulties, we offer a range of help. Please be aware, any missed payments or reductions will show on your credit file. Click here to see debt advice.

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Loan Representative Example:

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
  • Loan Amount: £300.00
  • Loan repayable over: 27 weeks
  • Weekly payment: £18.00
  • Total Interest: £186.00
  • Total repayable: £486.00
  • APR: 602%
  • Rate of interest 119.41% p.a fixed
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