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How long does it normally take before the loan is paid out?

You will be given a firm decision immediately. Some loans can be paid out on the same day. In any case, our service standard is to complete a loan within 48 hours.

Can I use the loan to pay off existing credit and debts?

Yes, you could pay off existing credit with a Personal Loan. If you're making payments on credit, store cards or other loans and you're looking for a fresh start, spreading your repayments over a longer period may allow you to reduce your regular outgoings.

How much can I borrow?

Personal Loans are available from £100 to £15,000. Secured loans can be for considerably more, subject to valuation.

How long do I get to pay it back?

You can repay your loan over one to ten years, depending on the amount you borrow.
However, all loans must be repaid before your 70th birthday.

Can I speak to someone face to face?

Yes, our lenders have many finance centres that cover the whole country. We will try to deal with your application over the telephone, but if you would prefer to speak to someone face to face just let us know. There may be some circumstances where we would ask you to go to your local branch to finalise your loan application; we will advise you if this is necessary.

What if I want to settle my loan early?

If you wish to settle your loan early, no problem. Most of our loans have no penalties. Just let us know and we'll arrange for a redemption statement to be sent to you.

Do you charge fees?

We do not charge broker fees. Our income is derived from commissions paid by the lenders. You will never be asked to pay anything upfront and we will never ask you for your bank details.