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If you currently have a loan with us and have been affected financially by the COVID-19 pandemic, please click here for ways in which we may be able to work with you during these difficult times.

FAQs for Applicants

Will I be credit checked?

Yes, both the applicant and the Guarantor are credit checked as part of the initial application. We understand that the applicant credit score may not be high, but the credit report gives us an indication of the applicant’s ability to meet repayments and therefore is an essential part of our application process.

For more information about Bad Credit Loans, you can find that and more on our Guarantor Loans page.

Loans are subject to status and affordability. Consolidating debts may increase the term and the total amount payable.

Before entering into any credit agreement please make sure you can afford the monthly repayments, we recommend that you seek independent advice if you are unsure of any of the terms of our agreement. There may be other taxes or costs, not paid through us or charged by us, that you have to pay in connection with the agreement.

Late repayments can cause you serious money problems. For help go to


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