Our Loan Services

We are your one-stop shop for loans.

Find the loan that’s right for you.


Personal Car Loan

Looking to buy a car but don’t have the cash to pay for it upfront? With a personal car loan, you can borrow money to buy a car, and then pay back what is owed over an agreed period of time, usually with interest.

    Fast instant approval
    No deposit
    2-7 year loans
    Flexible payment options
    12 months 24/7 Roadside Assistance
    Personal Advisor
    Low competitive rates

What are Short-term Instalment Loans?

These are generally cash advances provided by a lender to a borrower. Generally, such loans are taken out online over a short-term basis which can be for a lending period of a few days up to 12 months.

The Type of Loans Available:

    Payday – These are taken out over a period of no more than 2 months with 1 scheduled repayment. They are referred to as Payday loans as they are generally paid back to the lender on the borrowers Payday. These types of loans generated lots of bad press over the last few years due to many Loan companies lending irresponsibly. Luckily for everyone the industry has since been cleaned up and only those who are lending responsibly to people who can afford to repay their loan have managed to gain permission from the Financial Conduct Authority (FCA) regulator to remain lending.

    Instalment – We are proud to be one of the pioneers of the online short term instalment loan. These are generally lent over a period of 3-12 month with set monthly repayments. We are proud to be able to offer one of the most flexible instalment loans on the market. Customers of ours can choose to make weekly, fortnightly and monthly repayments based on their unique set of circumstances. Our repayments are also flexible and are not set in stone. Customers will never be charged for missing payments and all of our customers get assigned independent Customer care managers who will assist them in working out suitable loans based on their own specific set of requirements

Such loans are now subject to an industry wide interest rate cap. The maximum daily interest rate is 0.8% a day, and the borrower of a short term loan will never pay back more in interest than 100% of the initial loan value.

Where many of the most prominent lending brands opt to charging this maximum daily interest charge, our average daily interest rate is a great deal lower than this:

Representative Example: Amount of credit: $400 for 31 days. One total repayment of $466.43 Interest: $66.43. Interest rate: 195.28% pa (fixed). 509% APR Representative.
Why are these types of loans expensive?

Because of the high risk nature of this type of lending borrowers will generally pay a higher rate of interest than they would with a convention long term loan. This is because these loans are a form of unsecured borrowing. This means the lender has no security against the loan itself. Therefore, if a borrower decided not to pay the loan back, then the lender could not simply take possession of the borrower’s home or property in return. Lenders therefore charge higher interest rates to their customers due to the increased exposure to risk of non-payment and bad debt.

We mitigate against this risk by carrying out credit and affordability assessments. We also build strong bonds with our customers and friendly relationships. This is why our lending is generally cheaper than many of our competitors. If you require more information on borrowing or expert advice, please contact us.

Is the type of borrowing for me?

When taking out a loan like this it’s important to think carefully about your circumstances and whether you can afford the repayments. You need to ask yourself whether borrowing the money is going to help plug a hole in your immediate financial situation, without causing you more trouble down the line. There is no point in prolonging long term financial problems with loans of this nature, as it could just make the problem worse later on down the line.

If you think you are experiencing financial issues and struggling to pay your bills and manage your debt. We would advise you seek free and independent advice from debt charities. We have provided a list of our most recommended free debt charities. A list of these can be found here.


Cash Loan

What are Cash Loans?

This type of loan is an agreement between a lender and a borrower for a cash advance. In most cases the lender will charge interest on the initial loan value which the borrower will need to pay back on an agreed date. Generally, these loans are unsecured meaning the lender has no security to back the loan. Unlike a secured loan which is generally secured against a borrower’s house or car. The lender of a cash loan will therefore need to ensure that the borrower has the means to pay the loan back without causing themselves long term financial hardship.

Is the right product for me?

The key benefit is that they are useful if someone has an unexpected cost or expense that they need to pay out for before they next get paid. Let’s say your car breaks down and you can’t afford to get it fixed or need money quickly for another emergency such as a new heating boiler. This means you may not be able to get to work or live your normal life. An instant cash loan would be really helpful in this instance as it would mean you can get back on track with everyday living and avoid getting in trouble with the boss.

Such Loans are also a really good way of paying for those one off expenses. We love to speak with customers who are planning their summer holidays with an instalment loan from us, spreading repayments out over several months is a great hassle free way of getting your summer vacation booked in time for the school holidays. The truth is there are many reasons customers choose this type of finance.

How do I apply?

The borrower will fill in an online application form which is then received by the lender in real-time. The lender will then run credit and affordability checks in the background to decide whether the loan is suitable. In some cases lenders including ours may give new customers a call to confirm a few details. We find this is helpful as it may speed up the loan application process in addition to keeping applicant informed of progress. It also enables us to start building personal, trusting relationships, as we want our customers to feel comfortable communicating with us.

Once the lender has all of the correct details and is satisfied that the borrower can afford to pay the loan back, they will then issue the borrower with a loan contract. This contract will need to be digitally signed by both parties before the lender will release funds.

Once the loan amount has been paid into the borrowers bank account automatic payments will be taken from the customers bank account on agreed repayment dates using a Continuous Payment Authority.

If this all sounds complicated don’t worry. We have made this process really simple as we take care of all the hard work in the background. We aim to provide instant loans to new customers within 25 minutes and just 10 minutes for existing ones.

Can I afford Repayments?

We make sure of it. We won’t lend unless we feel you receive enough income to pay all of your bills, plus our loan repayments and have money to spare. We don’t want our loans to become a burden on our customers and we wouldn’t sleep well at night if that was the case.

Our loan offerings have been designed to be flexible around customer’s unique set of circumstances. Therefore, our customers can choose to pay back weekly, fortnightly, monthly or in one payment. This is how we keep our loans flexible and affordable. Typically these types of loans from conventional Lenders are also a much cheaper alternative than bank account overdraft fees, which can equate to mind boggling APR’S. For impartial information on borrowing please contact us.

Is my Credit Rating adversely affected?

This depends on how you use them. When any lender provides a line of credit to a borrower the information will be shared with Credit Reference Agencies (CRA's). If the borrower makes all their payments on time and settles their loans, then this will help boost the borrowers credit score.

How often you use these types of loans will also affect your credit rating, in the short term at least. If a lender can see that you have been taking multiple payday loans from several different lenders, then it shows them that you are unable to manage your bills. We would therefore advice you only take out loans if it’s a necessity, and you only use one lender.

It’s important to remember that there are 3 main CRA’s, and not one will have all of the borrowers previous credit history information. This is because lenders are not obliged by law to share all of their data with all of the CRA'S.



Instant Loan


What are Unsecured Instant Loans?

These are loans provided to customers in real-time. This means the customer can expect to have the funds in their bank account within a few minutes of their online application.

These types of loans are a relatively new phenomenon within the financial industry compared to payday loans and have come about as a result of the growth in demand. As the short term lending market has grown and developed, so has the processes and systems within the industry. This has made taking out a cash loan online a quick and simple process. Long gone are the days where you would need to go into a bank and fill in long arduous paper applications, and then wait for teams of underwriters in the bank's lending department to make a decision on your application. Computers and complicated algorithms can now do this within minutes.

Do we offer instant or same day loans?

Yes, like the majority of other online short term lenders we offer these types of loans. If you are a new customers we aim to have the loan in your bank account within 25 minutes of the initial loan application. This is, however, subject to you passing all of our credit checks and affordability assessments. If we require more information from you it may take a bit longer to process the application. We always aim to have the funds in your account on the same day.

If you’re an existing customer we will aim to have the loan in your bank account within 10 minutes of the new loan application. However, this can take longer, dependent on how long your bank takes to process the payment, and whether or not they accept Faster Payments.

We have designed our loan process to be as simple and as efficient as possible. We understand that a quick decision process and instant turn round of cash into the customer’s account is imperative to our service. In addition, we are a responsible lender and therefore encourage potential borrowers to seek independent financial advice from someone impartial.

If you would like further information on borrowing, or independent expert advice, please contact us.

What are the benefits?

If you are in need of a quick cash injection, whether that be for a last-minute holiday, or to pay for the food shopping when the debit card lets you down. Then our loans are perfect for you. We understand that everyday lives are unpredictable and may require cash fast to cover you in the short term. Returning customers can have the funds in their account within 10 minutes of making the request to reborrow.

We don’t recommend you to make a borrowing decision on a whim, and we want all customers to use our lending facilitates responsibly. However, its handy to know that we are just a few clicks away on your mobile, tablet, or computer, if we are needed. Representative Example: Amount of credit: $210 for 35 days. One total repayment of $262.19 Interest: $52.19. Interest rate: 259% pa (fixed). 912% APR Representative.