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Quick Frequently Asked Questions

We've compiled a list of the most commonly asked questions, so it may be worth checking before reaching out to us.

Representative Example: Amount of credit: £1500 for 11 months at £169.69 per month. Total repayment of £1866.59. Interest: £366.59 Interest rate: 46% pa (fixed). APR rates range from 22.3% APR to 112.5%. Credit broker not a lender. Warning: Late repayment can cause you serious money problems. For help visit Money Helper

Before You Apply - FAQs

No lender brand could ever provide such a guarantee before an applicant has submitted their details. All lenders must assess whether the borrower can afford the repayments without being overextended. They will need to review a snapshot of your finances, examining both incoming and outgoing funds each month. If everything adds-up, there is a good chance that you will be accepted, but it's not guaranteed.

Our Loans - What We Offer

Bad Credit Loans are designed for customers whose credit scores would typically be less than 600 with Experian. These applicants may have missed a few repayments, possibly had CCJs more than 6 months ago, and generally have a challenging financial history. Despite these challenges, they have managed to overcome their financial problems. For these types of customers, we can submit their applications to specialist lenders who are willing to take on a bit more risk in exchange for a higher APR.

After Approval

So your application has been approved, all that needs to happen now is for you to receive your money. The next step will be that you receive a text message from the lender to confirm that you are the one making the application. When you receive a text message, copy and paste that security number into the portal and all of the security checks will be completed. In most cases that is all you need to do, the money should be with you within the next 30 minutes.

If the funds still haven't arrived, please use the contact us option, and we'll investigate further.

Urgent - Important Security Warning

We haven’t called you; it wasn’t us. You need to immediately cease communication with anyone pretending to be us. Please refrain from providing them with any of your information or, more importantly, any of your money – you will lose it.

We have more information on the problem here - Fraud Warning

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