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Do I qualify ?

We'll always give you a warm welcome as a new customer. Based in Southampton, we've offered a short term loan

service since 1985. Before making an application, please ensure you meet our requirements.

Live in England & Wales

Age 24 - 64

Have bank current account

Electoral roll at current address

for min 12 months

Monthly paid into bank account
Minimum income 1,250 net per month
Not in financial difficulties

Please be sure you can afford the repayments. An affordability assessment is undertaken.

 You should have a surplus of income over expenditure making the repayment affordable.

 

Please note - we will lend to a range of customers with various credit histories whether 'excellent' or 'poor'.

Low credit scores, CCJ's, defaults and poor credit history are considered if it can be seen

you have recent credit improvements and this loan would be within your means.

The new regulations do not permit us to lend where you have recent poor credit history.

 TCF (Treating Customers Fairly) - at all times we will act responsibly and in your best interest.

We may assist in cases where it may be considered borrowing would be in your best interest.

EXISTING/RETURNING customers-

We would welcome back previous customers, each treated on merit.

 

Legal Notices

Our terms do not discriminate by sex, race, religion or colour. Credit will not be refused solely on the grounds of area of residence,

although this factor will be considered. We are permitted to decline credit in areas where we are not represented or where it is considered

that servicing the account may place property or staff at risk. Usually, we can't help if you are - unemployed; self employed; paid in cash/cheque;

 on state benefits; on maternity/sick leave; student; not a UK resident; living in hotel/pub/guest house; have multiple past addresses;

 have attachment of earnings order; bankrupt; debt relief order; administration order; in debt management;

or where taking on new debt would not be in your best interest.

* The annual percentage rate of charge (%APR) is designed to help consumers compare the cost of similar products.

The rate is calculated according to a formula which is set down in the Consumer Credit (Total Charge for Credit, Agreements

and Advertisements) (Amendment) regulations 1999 (SI 1999 No 3177).

These regulations, which came into force on the 14th April 2000, bring the calculation of the %APR into line with the provisions

set out in a European Directive (No 98/7/EC).

The representative %APR calculation is based on you receiving an 100 advance.

 For the purposes of this illustration, you decide to borrow the money on or just after pay

day and then repay it on your next pay day.

The representative %APR on plans C & D is 1221.50% fixed when drawing down 100, and repaying 30 days later

(see t's and c's for method of calculation).

The APR will be considerably higher if (a) the period from draw down to repayment on the next pay day is shorter than one month;

 (b) repayment is made after making one or a series of monthly fees after the first pay date and up to month 5;

 (c) repayment is made in part or in full; (d) the account falls into default and charges are added; (e) change of payment date;

 (f) the account is subject to rollover, arrangement, or repayment plan.

 Further information on what elements must be included in the %APR calculation appear in chapter 10 of the

Financial Services Authority's Mortgage Conduct of Business Rules (MCOB10), which came into force on the 31st October

2004. The Office of Fair Trading (OFT) has issued detailed guidance entitled Credit Charges and APR.

Warning: Late repayment can cause you serious money problems.

For help, go to www.moneyadviceservice.org.uk