The FAQs below are only for personal finance applications. If you are interested in a Commercial Loan call 0800 535 535.

1. If you have any queries, call us first to discuss your loan application. Otherwise just complete our online application form.
   
   
2. We will then get in touch and ask you to send through all the information we require to assess the loan application. This will include your identification, proof of income, a valuation of any security and evidence of your financial position.
   
   
3. Upon receipt we will make an assessment of this information. This will involve obtaining a credit check, checking out references, assessing the value of the security for the loan and searching the Personal Property Security Register.
   
   
4. If all information is satisfactory the loan application is then approved.
   
   
5. Our Relationship Manager will then contact you to arrange an appointment to sign and complete the loan agreement.
   
   
6. Payout of the loan will then be made when all loan and security documentation has been completed.

If you provide us with all the correct information, we are able to process your loan application within 60 minutes. Otherwise it may take longer to process.

You must be at least 18 years of age.

We try to be flexible with borrowers who have had credit problems in the past. A higher interest rate may be charged or further security may be required depending on the extent of your credit history.

Interest rates and charges vary for each loan, depending on several factors.  These include the term of the loan; your ability to service the loan; your credit history and loan security. Your loan will be tailored to your needs and situation, and we will talk to you about this as part of your application process.

Yes you are able to repay the loan before the end of the term.

We will arrange for you to sign an automatic payment authority or a direct debit authority to allow payments to be made direct into our bank account.