Over what period of time can I spread my loan or mortgage repayments?
This is of course up to you, and depends on how much you can afford each month. Our loans are usually available over 5 to 30 years. The repayment guide should help you.

What can I use the loan for?
Anything you want, there are no restrictions. Maybe you need to reduce your monthly outgoings by paying off all your debts, leaving you with one lower and more manageable monthly repayment. Or perhaps you would like to buy a new car, boat or caravan. What about new windows, conservatory or maybe an extension? It really is up to you.

What happens if I'm ill and can't work or I'm made redundant?
We offer and recommend, optional accident, sickness and redundancy cover to give you complete peace of mind. Life assurance is also available and some plans offer this free. See our protection page.

Is my application confidential?
Yes completely. All applications are treated in the strictest confidence.

What happens if I want to borrow more?
All you have to do is apply online and we will process your application. As we already have your details this is a simple matter and we will send you a cheque if successful.

What are Unsecured Loans?
Loans are available from £500 to £25,000 and can be taken over 3 to 10 years. All applications are handled quickly and can often take only 3 - 4 days to complete. Unsecured loans are only available to clients with no adverse credit history or mortgage arrears.

Can I repay the loan before the end of the contract?
You can make lump repayments or settle the loan completely whenever you like.

What to do next.
Most importantly, you need to complete the application form online. As we probably have the most advanced computer systems available, your loan will be processed as swiftly as possible. We will be contacting you in the next 24 hours regarding your application.