About us

Who we are

Capital Finance is part of CF Group LLC, which is a US based finance business with many years’ experience in consumer lending. We were one of the first US lenders to be given full authorisation by the Financial Conduct Authority (reference number: 673907) to operate in the US.

Our approach to lending

At Capital Finance we believe in putting the customer first. We understand the need and desire for those wanting short term and instalment loans from a lender they can trust. As a result, we have developed our lending model around this principle. We are all about creating long term sustainable relationships with our customers. We want you to feel at ease when dealing with us in the comfort of knowing that we are here to help.

Part of our responsible approach to lending consists of the stringent due diligence we carry out in our lending procedures. We will always make sure that a loan is responsible and affordable, and we will never compromise on this. We would rather build 100 trusting, long lasting relationships with our customers, rather than 100,000 short term unreliable relationships.

Our business model is based around integrity and longevity, opposed to greed and short term gain.

Our Customer Care Managers

One of the areas that marks us out as unique from other lenders is that every customer of Fast Loan UK is assigned a personal Customer Care Manager. By operating like this we feel we’re making better, fairer, and more responsible lending decisions. This is because we able to process and manage each loan application independently of the last. We are therefore able to take a human consideration into individual circumstances opposed to just using algorithms and credit scores. Unlike many other loan companies, we don’t believe you're just a number. Operating like this may increase our overheads as a business, but it also means we reap the rewards in terms of great customer retention and satisfaction levels. We have a culture of friendliness and trust at Capital Finance HQ, and we look forward to building and nurturing long term relationships with all our existing and future customers.

Our complaint numbers to date

Capital Finance has been trading for over 7 years now. In that time, we are proud to announce that not one complaint has been made and upheld against us by an unsatisfied customer to the OFT, FCA, Financial Ombudsman, or through our internal complaints procedure. We feel that says a lot about us and our customer focused business culture.
Representative example:

Borrow: £600 over 5 months. 5 repayments of $194.81. Total amount payable $974.04. Interest rate: 292% pa (fixed). 907% APR Representative.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

A BROKER FEE OF UP TO 10% OF THE LOAN AMOUNT BORROWED, CAPPED AT $3995, MAY BE PAYABLE ON COMPLETION. LENDER FEES MAY ALSO APPLY. THE ACTUAL APRC RATE AVAILABLE WILL DEPEND ON YOUR INDIVIDUAL CIRCUMSTANCES. LOANS AND REMORTGAGES ARE SUBJECT TO STATUS. PLEASE ASK FOR A PERSONALISED ILLUSTRATION. LOANS ARE SECURED ON PROPERTY.

WE ARRANGE LOANS AND MORTGAGES FROM A PANEL OF LENDERS. WE WILL RECEIVE A COMMISSION FROM THE LENDER UPON COMPLETION.

WE DO NOT CHARGE BROKER FEES ON UNSECURED LOANS.

CALLS MAY BE RECORDED FOR TRAINING PURPOSES.

HOMEOWNER UNSECURED LOANS - Rates from 7.3% APR.

Representative example if you borrow $12,000 over 4 years at a Representative APR of 16.9% APR (fixed) you would pay $338.36 per month. Maximum APR 99.1%

SECURED LOANS - Rates from 3.65% variable. We also have a range of plans with rates up to 65.2% allowing us to help customers with a range of credit problems. Representative 8.6% APRC variable. Representative example: if you borrow $10,000 over 10 years at an Annual Interest Rate of 5.14% (variable) you would make 120 payments of $122.71 per month. The total amount repayable will be $14725.20 (This includes a lender fee of $495 and a broker fee of $1000 which have been added to the loan.) The overall cost for comparison is 8.6% APRC representative. Maximum APR 65.2%

MORTGAGES - The overall cost for comparison is 4.7% APR variable. The actual rate available will depend upon your circumstances. A completion fee may be charged which would vary subject to plan chosen. An estimate would be $1,495. Ask for a personalised illustration.

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