Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
We've compiled some of our most frequently asked questions to help you find the answers you need.
We work hard to ensure we treat all our customers as individuals and in doing so we've made our application process as simple and as fast as possible, our process is completely transparent with no hidden fees or charges, our service is completely free with no fee!
You can apply if you are: over 18 years of age, living in the UK (England, Scotland, Wales and Northern Ireland), in employment and receiving a regular salary paid into a valid bank account that accepts direct debits.
You can apply 24 hours a day 7 days a week. Many of our lenders also work 7 days a week and can even deposit funds in your account at the weekend. Complete our quick and easy online form and just click 'Submit'. If you are approved you will be shown a comparison table of your results or you will be transferred to the lender’s website to complete the process. Your lender may ask some additional questions not captured on our application form. You then sign your loan agreement online and receive your loan from your lender.
Our panel of lenders currently offers loan amounts from £100 to £5,000 but not all lenders can offer £5,000. The amount you can borrow will depend on your personal circumstances and you credit report.
There are not generally any restrictions on what you can use the money for but our loans are usually used to bridge the gap between receiving your next pay check or to help in an emergency where you need access to cash with short notice.
Once accepted, the money could be sent to your bank account in minutes, however some lenders may include an extra charge for this service. Most loans are paid into your account on the same day and without any transaction charges. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.
We work with a wide range of lenders to enable customers with all range of circumstances to be able to find a loan, so our APRs have a large range - our prime lenders offers very low APRs from 9.3% APR and other lenders offer loans over shorter periods to our customers with bad credit ratings, which represent the upper end of our scale as the APRs are generally higher on these products.
Your loan will usually be repaid in instalments that will be taken from your chosen bank account via direct debit. The terms and installments amounts will be outlined by the lender once you are accepted and approved.
CALL YOUR LENDER! If you think you’re going to have a problem with a payment, you should call your lender as soon as you can. The sooner they know there’s a problem, the sooner they can start to help. Your lender is there to help you and will do all they can to help find a solution. Please never ignore your financial difficulties or worries as this will only make them worse.
We do not carry out a credit search but our lenders may conduct a search when considering your application. When submitting your application you consent for our lenders to run their credit checks.