Secure UK website est. 2015
Frequently Asked Questions
Help Topics
Common Questions
42 Articles- How quickly will I get the loan?
- Will my application definitely be accepted?
- What Is Loan Eligibility Criteria?
- How much can I borrow?
General
25 Articles- How much can I borrow?
- For how long can I borrow?
- What is the most I can borrow?
- Do you charge upfront fees?
Borrower Criteria
15 Articles- Is a guarantor required?
- Can I Get a Loan with Bad Credit?
- Is home ownership required?
- Do I need an income?
Credit File
10 Articles- Will I be Credit Checked?
- Can I Get a Loan with Bad Credit?
- Do guarantors get credit checked?
- Does the loan appear on a guarantors credit file?
Interest and Fees
10 Articles- Do you charge upfront fees?
- Do the lenders charge up-front fees?
- What are the interest rates on guarantor loans?
- Why is the interest higher than a ‘normal’ bank loan?
Declined
3 Articles- Why was my guarantor declined?
- Why have I been declined for a loan?
- What options are there if I’ve been declined for a guarantor loan?
Guarantor Loans
53 Articles- Can I share repayments with my Guarantor?
- When might you ask my guarantor to pay?
- What is a guarantor loan?
- How to find a guarantor for a loan?
Being a Guarantor
30 Articles- I’ve been asked to be a Guarantor – what does this mean?
- Who can be a guarantor for a loan?
- What do you need to be a guarantor?
- Does the loan appear on a guarantors credit file?
Guarantor Criteria
12 Articles- What’s the typical guarantor criteria?
- Can a guarantor live at the same address as the borrower?
- Can a guarantor be retired?
- Are there age restrictions?
Application Process
25 Articles- How does the application process work?
- How long does the application process take?
- Will my application definitely be accepted?
- If I’m pre-approved does that mean I will definitely get a loan?
Application to Payout
7 Articles- How quickly will I get the loan?
- What happens when I’ve completed my guarantor loan application?
- Is there a cooling off period?
- Can I cancel my application?
Payments
11 Articles- Who makes the monthly repayments?
- How do I make the loan repayments?
- Can I share repayments with my Guarantor?
- When might you ask my guarantor to pay?
Safe & secure UK website established in 2015
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Representative APR: 49.7% (variable)
Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months.
Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable).
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY
Warning: Late repayment can cause you serious money problems. For help, go to www.moneyadviceservice.org.uk
Please read the terms and conditions of your loan agreement before applying.
*Subject to lender’s requirements and approval. Cash within 60 minutes is available but is dependent on if your bank accepts faster payments. If not, cash could take 24 to 48 to arrive.