How our loans work?

Our loans are designed to be affordable with manageable weekly repayments. We will make sure to only lend you an amount that you can comfortably afford to repay. To determine this amount we will look at your current financial situation as well as information obtained from Credit Reference Agencies.

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As a Community Lender, our charges only cover the cost of providing the service to you, that’s why we are considerably cheaper than most payday and doorstep lenders such as Provident and Morses club.

What are the terms?

You can apply for any amount between £200 and £2,000 as long as you believe you can afford the repayments.

Our loans can be scheduled over a maximum of 18 months to give you an opportunity to comfortably repay.

We will independently assess your ability to repay the amount you have applied for and the terms over which the loan will be repaid.

You are able to repay the loan over a shorter period by contacting us.

No more surprises!

Repayments are taken via Direct Debit and not Continuous Payment Authorities (CPA), giving you more peace of mind as you know when the payments will be coming out – no more surprises!

Repayments dates are based on your current income, we are able to collect weekly, fortnightly, every four weeks or monthly.

What happens after applying?

We will review your application and get in touch with you. Once you’ve submitted a loan application, we will send you an open banking email request for you to share your bank statements so we can progress your application.

Join thousands of happy customers

Loans in Branches

Interested in visiting a brick-and-mortar branch and speaking with us in person? We have branches in Birmingham City Centre, Walsall and Wolverhampton where one of our friendly team members will be able to assist you with any questions or even help you with application