Let Us Answer Your Questions:
How does it work?
You enter your details into our short form and our systems scan to find short term loan lenders who may be able to help. If we get a match you will be asked for a few more details which we use to firm up your loan offer. At this stage we will confirm your match with one of our lenders. If the offer they make is appropriate for your needs you can choose to accept their offer or simply decline it. There is no obligation. Please make sure before accepting an offer that you read and agree to the terms of the offer. These will be clearly shown to you before you agree to proceed.
Will I definitely be offered the loan term and amount that I need?
We do our best to to get you the funds and repayment term that you need however, if we are unable to help with the full amount or term we may be able to offer an alrenative option that may partially solve your financial needs. There is no obligation to accept any offer that we show you.
Do You show me the terms before I apply?
Yes - before you sign up for a loan you will clearly be shown the term and conditions of that loan. There is no obligation until you decide that the loan you have been offered is the right one for you.
I have a question about a loan I have taken out?
If you have taken a loan with one of our lenders and need to discuss any aspects of the loan you will need to contact them directly as for privacy reasons we cannot discuss your loan account with lenders. We will, of cause do our best to help you if you contact us regarding your loan but ultimately it is the lender who you will need to speak to.
I have credit problems - can I still apply?
Yes - our lenders loans are designed to help people even if they have credit problems. Our lenders look at your ability to repay in the future rather than just considering your past credit history.
Responsible Lending Policy:
Our lenders service does:
Our lenders offer short term loans which are targetted towards the needs of customer to help them get the loan that they need.
Our lenders do their best to assess that our customers can afford loans, and are likely to be able to afford to repay them.
Our lenders aim is to provide clear, transparent communications and lending contracts to our customers.
Our staff are there to help customers. We train them to be courteous and to provide high service standards.
Our lenders do not:
Target people with debt problems.
Lend to people who they believe cannot afford to repay.
Charge hidden fees.
Deal with customers if there is any question about their identity or authenticity
What happens if I do not repay my loan?
Please look carefully at whether you can afford any loan before taking one out.
Repay your loan on time if at all possible, this is the way to avoid penalties and extra charges.
Please be aware that if you do make late repayments or fail to repay your loan you will incur further charges that can be costly.
Our lenders loans are for short term needs. If you are looking for a loan over a longer period of time than 3 months you may wish to consider alternative types of finance that may be more suitable.
If you already have loans and are struggling to repay or perhaps you think you may have debt problems then you should consider looking at other alternatives that may better suit your circumstances - our lenders loan services are possibly not for you
If you are unsure about your finances or would like help and advice you can contact the Citizens' Advice Bureau
About Our Lenders Loan Charges
Monthly loans: Representative APR 278% (VARIABLE) Representative example: £500 borrowed for 90 days. Total amount repayable is £672.60. Interest charged is £172.60, interest rate 140.0% (variable).