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Apply
Fill in the short application form on the website. If you need an idea of how much your monthly payments will be have a look at our Loan Calculators. |
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Get a quote
Once we receive your application we will call you to verify your details and work out whether we can arrange the loan you need. At every stage you will be speaking to an experienced underwriter who knows exactly what our lenders can do, and which lender will provide you with the best deal. If we receive your application during office hours we will call you within the hour- otherwise we'll call you as soon as possible the next working day. |
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Decision
In most cases we can give you a decision within an hour. At this stage we will carry out a credit search to make sure you qualify for the lender we have chosen for you. |
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Paperwork
Once your loan has been accepted we will send out your documents the same day. We will talk you through the proofs you will need to provide also. In most cases we will need proof of identity and proof of address. If you are employed you will usually have to provide payslips. If you are self employed you can either provide accounts to prove your income, or self-declare your income. |
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Processing
For a secured loan we will sometimes have to carry out a valuation of your property. We arrange and pay for this free of charge. We may also have to contact your mortgage lender for permission to arrange the loan. The sooner you send your documents back, the sooner we can get this information and the quicker your loan can complete. |
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Payment!
Once we have all the information we need, we will send your documents to the lender for processing. In most cases we expect your loan to pay out within two working days of us receiving all documents. |