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.