Personal Loans FAQ (Frequently Asked Questions)

Below are some of the most common questions we're asked about loans and related topics - if you have a question that isn't covered here, please don't hesitate to Contact Us.

Who can apply for our loans?
What kinds of loan can I apply for?
What can I use my loan for?
What is Payment Protection?

What are secured loans?
What are unsecured loans?

What is APR?
Why do we not advertise our interest rates?
Why have I been quoted a high APR?

The Consumer Credit Act (1974)
What is credit scoring?
What are Credit Reference Agencies?
How can I see my credit record?
Can I improve my credit rating?
How can I contact the Credit Reference Agencies?

Do I really need a loan?
Can I get a payday loan?
Can I reduce my debt without taking another loan?