Our loan process step by step:


You tell us about yourself

We review your application

We give you a decision

You sign your contract and receive your money in a day

1. You tell us about yourself

Simply complete our online application form or call us on 020 8988 0627.

Tell us about yourself, your financial situation, including your income and expenditures and share your bank statements with us via our secure Open Banking verification.

2. We review your application

We run an identity and credit check and review the bank statements you submitted to us to understand your financial situation.

We may need to ask you a few questions over the phone to complete your application. Always check your phone when you have an application with us!

3. We give you a decision

We give you a decision in no more than 24 hours or one working day, but usually much faster!

If you apply online, we send you the decision by text and email, and also call you if you have been approved.

If you apply over the phone, we let you know the decision during the phone call.

4. You sign your contract and receive your money in a day

When you have been approved, we speak over the phone to agree on an affordable repayment plan and go through the loan terms and conditions. We then send you your loan contract via email to sign.

When you have signed your contract, the money is in your account on the same day if you sign your contract before 1pm on week days, otherwise the money will be with you by noon the next working day.

Want to know more?

Please check out out Frequently Asked Question for more information.