Welcome Loan
For your first loan
Borrow from £150-£700 at 42.6% APR
- Fair interest rates
- Affordable, flexible repayments
- No hidden charges or fees
- Quick & easy application
- Fair interest rates
- Flexible repayments
- No hidden charges
- Easy application
Bills, holiday, home improvements, whatever you need
Spread the cost on terms that suit you
Bills, holiday, home improvements, whatever you need
Spread the cost on terms that suit you
How to apply
There are now two ways to apply online
Online form
New members can use our simple online application form to apply for their first loan
All we ask for is some basic information, and we’ll be in touch within one working hour to fill in the rest – it’s that easy
Mobile messaging app
All members can use our secure mobile messaging app to complete a loan application
You can complete the full form and all our ID checks all in one place. Don’t worry, all messaging on our app is encrypted, so your personal documents and data are all safe and sound
How to apply
There are now two ways to apply online
Online form
New members can use our simple online application form to apply for their first loan
All we ask for is some basic information, and we’ll be in touch within one working hour to fill in the rest – it’s that easy
Mobile messaging app
All members can use our secure mobile messaging app to complete a loan application
You can complete the full form and all our ID checks all in one place. Don’t worry, all messaging on our app is encrypted, so your personal documents and data are all safe and sound
Want to borrow more than £700?
Check out our Loans Hub for more information on which of our loans best suits your needs 👇
Lisa’s Story – The Final Journey
Lisa came to us because her brother had taken his own life. He had suffered from mental health and became a victim of his mind. Lisa didn’t have the finances
Why borrow with us?
We offer competitive interest rates
99% of our Google reviews are 5 stars
Repay with flexible repayments on terms that suit you
Get a decision on your Welcome Loan application within 2 working days
Keep your mind at ease with no fees or charges. Any questions? Just ask
Save whilst you repay and enjoy your savings once your loan is repaid
Lisa’s Story – The Final Journey
Lisa came to us because her brother had taken his own life. He had suffered from mental health and became a victim of his mind. Lisa didn’t have the finances for the funeral and desperately needed financial support to say goodbye to her brother. Without any help, Lisa’s brother would
Why borrow with us?
We are able to offer competitive interest rates. You’ll never be charged more than 3% monthly interest
99% of our 650+ Google reviews are 5 stars, something we are incredibly proud of. Our members show us lots of support and appreciation for the service we provide
Repay with flexible repayments on terms that suit you. We know everyone’s finances are different and there’s no one-size-fits-all approach, so we work with members to find the best possible way forward for your finances
Get a decision on your Welcome Loan within 2 working days. Speed matters and, with our experience, we are able to work quickly to get back to you with a decision and next steps
Keep your mind at ease with no fees, charges, or penalties. If you have any questions about your loan, repayments, or anything to do with your account, just send us a quick message on our secure messaging app
Save whilst you repay and enjoy your savings once your loan is repaid. Everyone who borrows from us saves too, so you don’t have to stress once your loan is repaid. Leave your savings here to access our lower interest loans and continue to save, or enjoy your nest egg and treat yourself
Be rewarded for your loyalty
Access lower interest rates after one year of active membership
Our Saver Loan rewards your membership with a lower interest rate at 26.8% APR and a bespoke credit level
In the words of our members
What to expect
You can apply for a loan right away! Simply fill in our online loan application form and we’ll be back in touch within 1 working hour. We’ll then finish signing you up and guide you through the application process.
Our members most often find repaying through a standing order to be easiest option. If you are employed by one of our payroll partners, your loan repayments can be taken directly from your wages through payroll deduction, so you’ll never have to see the money leave your account. If you’d prefer to call into the office, feel free to pay by cash.
Interest on all of our loans is calculated daily on the reducing balance of your loan. With every repayment you make, you clear the interest accrued since your previous repayment and your interest is then calculated for your next repayment on the reduced balance – the lower your balance, the less interest you pay.
For our Welcome Loan, youcan set your repayment period at as little as 3 months and as much as 12 months. The maximum allowed repayment period increases for some of our other loans.
As a responsible lender, we will run a credit check on your first loan application. Our policy is that we may run a credit check on any loan application. Your application will be assessed based on your credit file, affordability, and your personal circumstances, not just your credit file alone.
