What are short-term loans?

Short-term loans are designed to provide emergency funds, usually to help cover expenses until your next payday. These loans typically come with high interest rates, so the longer you take to repay, the more expensive they can become. Before applying, it's important to consider all your options.

If you are struggling to pay bills, first contact the companies you owe. Many providers can arrange a payment plan to help you manage your money. You may also wish to seek free, impartial guidance from MoneyHelper or Citizens Advice before proceeding.

How does the service work?

1. You enter your details into our short form.
2. Our lender-matching technology scans our panel to find lenders who may be able to help.
3. If a match is found, you will be redirected to the lender's website to complete your application and receive a decision.
4. If the loan offer suits your needs, you can choose to accept it or decline it-there's no obligation.

Before accepting any loan, you will clearly see all terms and conditions. Only agree if you understand and are comfortable with them.

Will I definitely be offered the loan I need?

While we and our panel of lenders will do our best to match you with suitable funding, there is no guarantee you will receive the exact amount or repayment term you requested.

If you do not meet a lender's standard lending criteria, you may be shown alternative options, such as:

• Credit-building products - Designed to help improve your credit rating over time by making small, manageable payments.
• Debt solutions, such as an Individual Voluntary Arrangement (IVA) - A formal debt solution agreed with creditors to repay part of your debt over a set period.

Please note: some alternative options may include setup fees or monthly charges, depending on the provider. It is essential to read and understand the terms and conditions before proceeding. Free advice is available from MoneyHelper or Citizens Advice.

Will I see the loan terms before accepting?

Yes. Lenders clearly display the loan's terms and conditions before you agree to proceed. You are under no obligation until you decide the loan is right for you.

I have a question about a loan I've taken out

If you already have a loan from one of our panel lenders, please contact the lender directly. For privacy reasons, we cannot discuss your individual loan account.

I have credit problems - can I still apply?

Yes. Many of our lenders offer products designed to help people with poor credit histories. They focus on your ability to repay the loan in the future, rather than only your past credit record.

If you do not qualify for a short-term loan, you may be offered credit-building products or a formal debt solution to help manage your finances responsibly.

Responsible Lending Policy

What our lenders do:

• Assess whether you can afford the loan and repay on time.
• Provide clear, transparent loan agreements and communications.

What our lenders do not do:

• Target people with existing debt problems.
• Lend to people they believe cannot afford to repay.
• Charge hidden fees.
• Ignore concerns about identity or authenticity.

What happens if I cannot repay my loan?

Before taking out a loan, carefully consider whether you can afford the repayments. Repaying on time helps you avoid penalties and extra charges.

If repayments are missed or late, additional fees may apply. Contact your lender directly for details.

Short-term loans are intended for emergency needs only. If you require longer-term finance, or if you are already struggling with debt, you may want to explore other options that could be more suitable, such as:

• Credit-building loans or products - to help improve your credit rating over time.
• Formal debt solutions such as IVAs - where fees may apply for setup and monthly management.

It is essential to read and understand the terms and conditions for any alternative product or solution. Free, impartial advice is available from MoneyHelper or Citizens Advice.

Alternative Options Table