More than just payday loans - How it works:

How do I apply for a loan online?

To apply for a loan you need to meet our eligibility criteria below and follow our 3 steps:

  • Be over 18 years old and a UK resident
  • Be in permanent employment, receiving a pension or disability benefit/living allowance
  • Receiving more than £417 after tax per month
  • Have a bank account with a valid debit card
  • Meet our credit criteria and affordability assessment

1. Apply

  • Using our loan calculator select your required loan amount between £100 - £2,000**
  • Select the number of instalments (3 to 12) you wish to repay your loan in
  • Ensure that the monthly repayment(s) and total amount payable are affordable for you
  • Click 'Apply Now'
  • Fill in the application form or apply by phone on 0800 009 3565*

2. Get a decision

  • Once you have submitted your application you will receive a decision
  • If approved, you will be shown up to six loan offers based upon the loan amount you requested and your affordability, please select the offer that best suits your financial circumstances
  • Ensure that the monthly repayment(s) and the total amount payable are affordable for you
  • Once you have selected your offer, please enter your debit card details and proceed to viewing your loan documents

3. Deposit

  • Please read through and consider all the pre-contractual information provided. Please ensure you understand all of this information before proceeding to sign your loan agreement. If you have any questions please contact us on 0800 009 3565*
  • Electronically sign your loan agreement
  • For new customers, applications must be received and completed by 3pm for same day transfers. Deposit times run 4am to Midnight, on the hour (everyday)**

How do I repay my loan?

Your loan repayment(s) will be taken automatically on the contractual date(s) using your debit card.

What if I am an existing customer?

Upon successful application, customers are provided with login details which allow you to:

  • Apply for a new loan
  • View your current loan details
  • Repay your current loan
  • Update your personal information