Click on the 'Apply Now' or 'Online Application' button, complete the online application, confirm that you have read the terms & conditions and then submit your application

If I complete and send the online application, am I committed to the loan
Absolutely not. You will get a free quotation, which you can consider at your leisure

Can you help people with a poor credit record?
Yes, there are specialist lenders who have special schemes to deal with clients who have had such problems. It is also possible to help you even though you may have had arrears on your mortgage. Unsecured lending is limited in these circumstances.

How long will it take to find out whether I can get a loan or not?
Apart from weekends, usually 24 hours if the submission is during the morning, but allow an extra day if your submission occurs later in the day.

How quickly can I get my loan?
The customer supplying all of the correct documentation on time can determine this. The answer is that there is no definite period, but it can be as quick as a week to ten days or if documentation is not correct or at hand, obviously it will be longer.

Is the loan paid into my bank account?
This depends on the lender used. Your loan will either go to your bank or a cheque will be issued

How much will my monthly payments be?
This depends on the amount borrowed, the term chosen and the interest rate applied. You can experiment with the Mortgage Calculator, which can give you an idea of affordability.

What is the minimum amount I can borrow?
£1,000

What is the maximum amount I can borrow?
£500,000 depending on your circumstances and affordability

Over what term can I have the loan?
3 to 25 years

Will I be informed if I can't have the loan?
Yes

Will I need to have a credit search done?
Yes

If you do a credit search, will it affect my credit score?
It is common for people to shop around when considering finance, and so they will have credit searches done from time to time. Providing you don't have too many in a short space of time, it should not affect you.

Can I pay the loan off early or make additional lump sum payments?
This depends on the lender used. In most cases it is possible, but sometimes an early repayment charge may be applicable

How is the 'Typical APR' calculated?
It is based on the rate we expect 66% of customers will be offered

What can I use my loan for?
Any legal purpose. Home improvements, i.e. Conservatory, double glazing, new garage, repairs to your property, landscape gardening, addition of extra bedrooms, loft conversion, extending your property, clearing all or some of your outstanding debt, have the luxury holiday of a lifetime, pay for your child's education, buy the car of your dreams

Will I be visited by a representative?
No. All forms are sent out for you to peruse and sign. A visit can be arranged if you feel it is absolutely necessary

Will you contact my employer?
In certain circumstances, yes, but only with your permission. It will not normally be necessary as long as you have up to date original payslips and P60 (the latter is issued by your employer either in April or May each year and shows a summary of your pay/tax in the previous tax year). If it is necessary to contact your employer, details of your loan application will not be disclosed.

What interest rate will be applied to my loan?
This depends on each individual's circumstances, however you will find out which rate you will qualify for when your loan is approved by completing the free no obligation online application for.

You can experiment with rates and the term of the loan by using the loan calculator

I am self employed, but I have no accounts. Can I get a loan?
Yes, it is possible, there are special plans for self employed people and for certain plans you may not have to supply proof of income (known as self certification of income)

Can I insure my payments?
Yes, most customers choose to insure their payments against accident, sickness and redundancy

Can I have a fixed rate of interest for my loan?
Yes