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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

Is bad credit a problem?

No, in fact, a guarantor loan might be ideal for someone with bad credit. It does not matter if you have had CCJ’s, defaults or missed payments, all that is required, is that you can afford your monthly payments and you have a guarantor that trusts you. In the event that you fail to make a repayment, then your guarantor will have to make them for you. (44.9% APR Representative Fixed). 

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 www.moneyadviceservice.org.uk

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