Hot Topics

How long can I take the loan over?
How long you take the loan over depends on how much you need and how much you can afford to repay on a monthly basis.
What if my loan application is not accepted?
Sometimes a lender may not wish to give you a loan. This may be for a number of reasons, however the lender is not obliged to tell you exactly why the loan been refused.
I’m self-employed, am I still eligible?
Self-employed loans used to be difficult to find and expensive. But today, now that more and more people are working for themselves, self-employed loans are widely available and, as interest rates have fallen to their lowest in years, more affordable.
I have not been with my current employer very long, can I still apply for a loan?
To apply for an unsecured loan you will normally need to provide 3 consecutive pay slips to prove that you have a regular income.
What happens if I can't meet the loan repayments?
If you are having problems repaying the loan, you will need to talk to your lender straight away to discuss the problem.

How quickly can I get the decision?

More and more loans companies are selling themselves on how quickly they can make a decision. Many promise an instant decision, however they will still have to carry out a variety of checks to verify the information you have provided in your application.

Apply now

They will search your credit record at one or more licensed credit reference agencies, and they will add details of their searches to your credit record, and these may be seen by other organisations which make searches in the future. If you do not qualify for the loan applied for, or the company running the credit check believes that another product may be more suitable for you, they will pass your details to other Lenders or companies who may offer you alternative loan products or services. As with a credit card, this process normally takes a day or two.

Do not be tempted to make any more applications while waiting for a decision as all applications will show up on your credit record, and may affect other applications for credit in the future.


Risk Warning
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. Security by way of a charge on your home may be required.
Think carefully before securing other debts to your home.