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Frequently asked questions
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What is an instalment loan?
Unlike a short term loan the instalment loan product is usually a higher value loan typically £400 to £5000. The instalment loan is also paid back over longer periods of 3 to 24 months and incurs a smaller interest rate than a short term loan
Can I apply for a loan?
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
Why does the APR seem so high?
The rules and regulations that govern companies like ours state that we must show you the Annual Percentage Rate(APR).APR's are calculated based on paying a fixed amount of interest annually
Short - term loans are normally taken over a maximum term of 60 days so APR's are not the best way to measure how competitive our rates are. Our lenders prefer to focus on the amount you pay back in total rather than on APR. We are confident that we offer the most competitive rates in the market for this service
Do you use credit agencies?
We do not perform a credit check but the lender you are passed to will perform a credit check
What are my rights to cancel?
If for any reason you choose to cancel your loan please refer to the loan agreement sent to you by your lender, cooling off periods and lender cancellation policies may vary
What if I have difficulties paying?
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. They don’t tell people off – they just do everything they can to make things easier! You’ll probably be surprised how understanding they are, so don’t be afraid – just pick up the phone