How it works?
How much do you want?
Applying for a short-term loan with us is simple and completely free. All you need to do is set the sliders on our loan calculator above to how much you want to borrow from £50 to £300 and then how long you want it for, from 1 to 4 months. When you’re happy with the total amount you will repay, just enter your mobile number and email on the right and hit “APPLY NOW”, this will take you to our easy application form.
All you have to do is provide us with a little information about you, your address and your bank which we’ll then use to confirm your identity and run the necessary checks. We keep all your personal details private and secure. So that’s all we use this information for and it goes nowhere else. At the end of the application, you’ll need to confirm your loan and enter the PIN code we send to your mobile, and that’s it! We take care of the rest.
Processing your application and payment.
We’ll take a few seconds to assess your application and run the necessary checks to make sure you’re going to be able to repay the loan. Once approved, we’ll send you the confirmation and transfer the money to your bank. This is usually done straight away and should show up in your bank balance after a few minutes but depending on your bank it can take up to 2 hours. During evenings and weekends, it can take us a little longer to process the payment so please bear with us.
We will automatically collect the amount due from your debit card on the due date you chose on your application. If you want to pay it back before then get in touch with our Customer Care team on 0151 601 8611 or you can simply text: TAKE PAYMENT to 07860 020302 and one of our advisers will debit your pre-stored card and text you a receipt.
It’s even easier next time!
Now that we know each other, next time you want a loan, all you have to do is text “NEED” followed by the amount you want to borrow to 07860 020302. If approved, within a couple of hours, you’ll have your money in your account with the due date set to your next salary date. Here is an example: NEED 300.