How We Work

Our primary goal is to be able to arrange an offer of finance; that is where we make our money. It is important to us that we also do it with speed. The faster the better in our opinion.

The more applicants we can get approved, the better it is for us and the more money we are able to make. Unlike banks, we don't make money from
customers going overdrawn or bouncing Direct Debits around. If we don't do our job correctly then we go out of business.

There does need to be a balance though, we can't arrange finance for everyone and no matter how good an applicant's intention is when they apply, some borrowers will just not be able to afford to repay the money and that means that lenders will end up like the banks -  they will run out of money.

They therefore need to work out which applicants have the best chance of repaying the loan and which are most likely to struggle. To do this they will perform a credit check and from the data they receive back we will be able to make a judgement on whether an application can be approved and whether a loan offer can be made. They will also establish a rate that the offer will be charged at.

They would then expect the applicant to review the offer and make a decision if they wish to proceed. They can decline any offers at any point. Unfortunately, in some instances, the information they receive back from the credit reference agency may mean that we cannot arrange an offer to an applicant.

Whilst the process is completely free of charge to you (the applicant) we may receive a payment or a commission from the lender. When the lender has made you an offer, we will no longer be involved in the process and the lender’s terms and conditions will supersede (not replace) that of this site.

The charges, terms and conditions will be specific from the individual lender. An applicant should read what the lender is offering them and
decide if they wish to proceed. An applicant is under no obligation to accept any offer that is made.