How our loans work?

Our loans are designed to be affordable with manageable repayments over a term. We will take into consideration the information you provide in your application in addition to information obtained from Credit Reference Agencies to only lend you an amount you can comfortably afford to repay.

As a Community Interest Company our charges only cover the cost of providing the service to you, that’s why we are considerably cheaper than most online lenders.

What are the terms?

  • You can apply for any amount between £200 and £1,000 as long as you believe you can afford the repayments.
  • Our loans can be scheduled over a maximum of 12 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.
  • 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, four-weekly or monthly.

What is the process?

  1. Give your local branch a call or drop them a message from the contact page.
  2. Someone will ask some simple questions to make sure you fit the criteria (over £100 per week, with a valid bank account).
  3. You will get a provisional offer of a loan.
  4. Go in for an appointment to complete the loan.