Our loan application process explained

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Make an application on our website, tell us how much you'd like to borrow and over how many months. We'll ask you to send us your bank statements to help us to make sure the loan is affordable.

We'll give you a link to send to your guarantor so they can complete their part of the application. Once your guarantor is accepted, we'll also ask them to supply their bank statements. Again, this is to make sure the payments are affordable in case they ever need to step in.

Once your guarantor has finished their part, you'll need to give us a quick call so we can check your details and arrange paying out the money. We'll also need to speak with your guarantor before we can finalise everything. We'll always let you know if and when we can pay out the loan.

We aim to pay out every loan within 24 hours of it being approved. It may take longer on weekends and national holidays. We pay the money into the guarantor's bank account, for them to give to you. This is to protect customers from fraud, by making sure the guarantor is aware of the loan.

We are checking your information. Please be patient.