To get started, we just need you to answer a couple of questions.
Each applicant must meet the following criteria:
All loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount. The rate offered may differ from the Representative APR shown.
If you are approved your loan could be credited to your account within 2 hours.
Please note: If you are approved after 6:55pm, Monday to Friday, your loan will be credited to your account by midday next day. No downtime at weekends.
You can apply online and choose to include your existing Personal Loan provided you are borrowing at least £1,000 in new funds. As part of the online application you will be asked to provide the sort code and account number for your current Loan, these can be found on Internet Banking if you are registered or by calling our support team on 0800 707 6471.
Your loan will be drawndown when we receive all required documentation and, where customers have chosen to print their own documentation, the activation code has been entered successfully. As part of this process your current loan will be automatically cleared and closed.
As your current loan will not be closed until the new loan is in place please ensure any repayments on your current loan are kept up to date.
Yes, you can repay your loan in full and part at any time and we'll reduce the total charge for credit payable under the agreement. When calculating this reduction we will charge up to an additional 58 days' interest on the amount you repay.
You will need to contact our Customer Services team on 0800 028 3632 to inform us of your intention each time you wish to make an additional payment. Our team will be able to provide you with an up to date settlement figure and options on how to make this payment.
In most cases we can decide instantly. If we are unable to make an instant decision or your application is submitted outside 8am-10pm Monday to Friday, 8am-6pm on Saturday or 9am-6pm on Sunday, we will aim to inform you within one working day.
Want to speak to someone face-to-face?