Products and Services
Standard Loan
Our loans range from £200 up to £25,000, with interest rates starting from 7.9% APR.
Consolidation Loan
Our Consolidation loan range from £2,000 to £25,000, with APR starting from 17.9%.
Not Employed Loan
Our loans range from £200 up to £1,500, with interest rates starting from 26.8% APR (Subject to eligibility criteria).
Family Loan
Our Family Loan allows anybody in receipt of child benefit to have a loan up to the value of £1,000 with an APR of 42.6%. You must be in receipt of child benefit payment for 2 or more children to be eligible for a loan over £500.
THE RESULTS FROM THIS CALCULATOR ARE FOR ILLUSTRATIVE PURPOSEs ONLY AND DO NOT GUARANTEE A LOAN OFFER. IF YOUR APPLICATION IS SUCCESSFUL, THE ACTUAL LOAN AMOUNT, INTEREST RATE, AND OTHER TERMS MAY VARY BASED ON A DETAILED ASSESSMENT OF YOUR PERSONAL CIRCUMSTANCES.
How we make lending decisions
We use credit reference agencies and open banking to help us make decisions on the loan amount and the rate charged to members.
Defaults and CCJs:
Whilst we can accept a loan if you have defaults, you’re more likely to be accepted if you haven’t missed a payment in recent months.
The same is true for County Court Judgments. An older CCJ won’t stand in your way, but more recent court action will probably prevent us from lending.
We cannot consider an application if you are currently going through bankruptcy, an Individual Voluntary Arrangement, A Debt Relief Plan or Debt Management Plan.
If you have recent defaults, CCJs or are insolvent do not apply for a loan. Submitting an application can actually cause your credit score to fall further because we’ll carry out a credit search.
For more help and information, check out our money tips.