Responsible Lending

Our lenders operate responsible lending policies. They will not lend you more than they believe you can afford to repay - they do not want to put your personal finances under stress. Therefore when you make an enquiry you should expect any lender you choose to complete your loan through to request information from you that allows them to make this affordable lending assessment.

Please also bear in mind that if you take out a loan and you fail to repay it in lines with agreement that you have made with the lender that there will be financial consequences. A lender may levy extra charges and ultimately you could find yourself in default, with a CCJ and with a severly diminished credit rating. In the case of a guarantor loan your guarantor is likely to become liable to make loan repayments on your behalf and this is likely to have a negative impact on your relationship. Please do not make any application for credit if you know that you will struggle to meet your financial commitments.