How we work

Get a quick decision

We aim to give you a quick decision when you apply. If we can't, we may just need some more information from you.

Upfront charges

We only charge the interest on our loans that we agree with you upfront. There are no additional charges or fees. If you need a bit of extra help, we want to work with you to agree an affordable payment plan.

Manageable repayments

We'll agree the repayment amount and date it's due to be taken up front so you know what to expect. Repayments are then taken monthly on the agreed date from your bank account.

Credit check

As part of our assessment we will conduct a Credit Search to look at your credit history. We also conduct affordability checks for each loan to help make sure you don't get into any difficulty. You don't necessarily have to have a perfect credit rating to get a loan with us.