In most cases, if you are applying for a loan, we'll show your personalised rate and monthly repayments at the start of your application.  We use a soft search which means there will be no impact on your credit score.  You'll be able to see this search on your credit file, but it won't be visible to other lenders.

Simply start an application and fill in a few details to see your quote.  You can then choose whether to continue with your application or not - it's completely up to you.

It only takes around 10 minutes to apply. Where we can, we’ll pre-fill parts of your application to make things easier.

Apply online or in the app. If you’re unconditionally accepted and sign your loan documents before 5.45pm Mon – Fri (excludes Bank Holidays) you could see the funds in your account on the same day.

Sometimes we might need to contact you for more information, meaning getting your funds could take a little longer. We’ll send an email or a text letting you know when the money is in your account.

If you're looking to pull everything you owe into one place, a debt consolidation loan could help. 

A debt consolidation loan could be used to pay off existing credit cards, store cards, overdrafts and other personal loans. 

You could consolidate all your debt into the one personal loan and only have one payment to make each month. 

Remember, taking on any new debt is a big decision; extending the term of your debt can incur more interest and cost more in the long run and sometimes an early repayment charge may apply. 

•  Property purchase
• Deposit for property purchase
• Buying or putting down a deposit on a static caravan
• Purchase of land
• Any business purpose
• Any payment in arrears
• Any tax avoidance arrangements
• Court or solicitors fees
• Gambling
• Household bills/rent/mortgage payment
• Purchase of shares/investment funds
• Car tax

It’s important to remember that if you repay your loan early, you will be charged an Early Repayment Fee. The amount you will be charged will be equal to 58 days’ interest on the amount you repay early (28 days’ interest if the period of the Loan is one year or less). If there is less than 58 days (or 28 days if applicable) remaining on the loan, the calculation will be based on the actual number of days remaining. This is in addition to your outstanding loan amount and any outstanding interest.

For example, if you borrowed £20,000 over 5 years at 7.4% APR and you repaid your loan halfway through the term, the early repayment charge would be £120.12.

When you apply for a loan, depending on your circumstances, we might give you the option to defer your first repayment. 

• It's only available at the start of your loan term
• You can defer your first loan repayment for three months
• If this option is available, details of your repayment holiday will be shown at the quote stage of your application
• Remember, if you choose to defer your first payment, the total cost of your loan and monthly repayments will increase. This is because we charge interest during the three month period. The total length of your loan will also increase.

If you are applying for a joint loan, please read the following before proceeding to your application as both applicants must:

• be registered for mobile/online banking
• have individual E-mail addresses
• have individual mobile telephone numbers.