We know that not everyone gets the best deal from their bank. That’s why we’ve chosen to do things differently.
A personal loan is an unsecured loan. It is a small borrowing of a fixed amount, usually between £1,000 and £35,000, which is set at a fixed interest rate across a fixed term.
Anyone who meeting the listed criteria can apply.
You can borrow between £1,000 - £35,000
For enquiries regarding a new loan or application, please call 0345 600 6260. For existing customers, please call 0345 650 6290.
No, the personal loan product is also available to private tenants over the age of 21.
In most cases you could get a decision immediately after you have applied. However in some cases we may need further information from you.
After you get a decision you will have the choice whether or not to accept it. You have 30 days to decide.
E-Signature is a way to sign your loan documents online.
If your loan application is successful, funds will be transferred into your account within 3 working days after we have received your signed loan documents.
If you do not have an email address or would not like to correspond by email we can send you the pack in the post.
The "Representative APR" is the rate that most of our customers applying as a result of an advertisement are likely to receive. It's a way to compare the interest rates for different providers.
No, your loan is a fixed monthly repayment, which means that the interest rate is fixed for the term of your loan and your monthly repayments will not change.
You can repay all or part of the outstanding balance of your loan at any time.
Yes, there is an early repayment charge. The early repayment charge will include 28 days' notice and an additional 30 days interest that we are entitled to charge.
When you apply to borrow money, we will use a credit score to help make a decision on whether to lend the money or not. When you apply to borrow from us, your score will be based on information from credit reference agencies.
There could be a number of reasons why you have been declined as each decision is based on your personal circumstances and by reference to a credit reference agency. The most common reasons for a decline decision are:
We use Equifax and Callcredit as our reference agencies. Their details are as below
We use a "Soft Credit Search", also known as a "Quotation search" to take a look at an individual's credit report without leaving any footprints visible to other lenders when they look at your credit report (however you can still see them).
Interest is calculated daily but applied monthly.
As the payment you have made is towards a financial commitment, we do not offer a refund. However should you need to discuss the payment, you can contact us on 0345 650 6290 8:00am – 8:00pm Monday to Thursday, 8:00am - 6:00pm on Friday and 9:00am – 2:00pm on Saturdays (excluding bank holidays).