Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED 
IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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Responsible Lending

Responsible Lending

As a UK loan broker we endeavour to find you a lender that offers you the best chance of being approved and offers you a great product that fits your needs and requirements - at the best rate for you. If we cannot locate a specific lender we may refer you to a broker if we believe they may have access to lenders or products that we do not have access to.

We work with lenders and brokers that are authorised fully, or with interim permission, from the Financial Conduct Authority (FCA). We do not work with any lenders or brokers that do not have a licence with the FCA.

As well as the requirement to have a licence from the FCA you will also find that some lenders and brokers will have voluntarily signed up as members of the CFA (Consumer Finance Association) and/or the BCCA (British Cheque Cashers Association) and/or the CCTA (Consumer Credit Trade Association). This will mean that these lenders adhere to their codes of practice and guidelines.

Lenders will use the information you provide to determine if they deem that you can afford the loan that you have applied for. It is their responsibility to ensure that the loan is deemed affordable. The definition of affordable should apply to the fact that a payday loan is designed, as its name suggests, to be repaid on the next pay day. Payday loans are designed for short term borrowing needs – not for long term financial solutions. Longer term loans will also be judged on their affordability to their potential customer - if the loan is not deemed affordable they will not lend.

Payday loans should only be used for short term needs and only used to cover an urgent, short term, requirement. You should always make sure you have factored into your finances that the loan will need to be repaid, in full, with interest, when you next get paid. If you feel you will not be able to make this commitment then a payday loan may not be for you. If you already have a payday loan and are experiencing difficulties you should contact the lender direct.

A lender should explain everything clearly to you - either in writing or verbally - at all times. Ensure you read all documentation provided by a lender, including any responsible lending policy they may have, and ensure you read the terms and conditions and overall cost of borrowing the loan from them. If you are in any doubt ensure you speak to someone at the lending company to confirm.
Unsecured Loans

Responsible Lending

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