General Lending Criteria

• You must be 18 to 65 years of age (inclusive).
• You must be a UK resident (exc. Isle of Man)
• Your income (inc. benefits) is more than £100 per month.
• You hold an active bank account that your salary is paid directly into (but you don't need a debit card).
• You can be either a tenant or a homeowner.
• Your credit history is irrelevant to us, but you cannot be currently bankrupt or on an IVA.
• You will need to find a guarantor for your loan who meets the following criteria;
  • they are a UK homeowner
  • they are aged over 23 up to retirees in their 70s
  • they have a good or only marginally imperfect credit history
  • they have a UK bank account (and hold a debit card/credit card)
  • they have an income of over £800 per month (inc. any pension).

If you don't think you can meet these criteria there may be other options open to you:

• We have links to another unsecured loan lender who might be able to help you
• If you can't find a guarantor or don't think you can then a payday loan cash advance may be enough - you can borrow up to £1000 with no guarantor and with no credit check (but you will need to repay the cash advance on your next payday).

If you do satisfy our general lending criteria we cannot guarantee you a loan - our responsible lenders will only lend if they believe you can afford it. For them to assess your particular circumstance please complete the application form.