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How it works

Start online. We'll guide you from there.

See your weekly cost, apply from your phone and get personal help from a local agent.

A customer starting his application online from home
Start from home, on your own phone.

Your application, step by step

What happens next

Six simple steps, with clear help from a local team.

  1. See your weekly cost

    See how much you could borrow, choose a repayment length and compare weekly or monthly repayments before you apply.

  2. Start your application online

    Tell us a little about yourself and the loan you need. We will check whether the repayment looks manageable.

  3. Connect securely with Open Banking

    Open Banking securely shares the income and spending information we need. You will not need to find, photograph or send bank statements.

    Learn more about Open Banking

  4. A local agent contacts you

    We will contact you by email to explain what happens next. You can also speak to us by phone. If you prefer to speak face to face, a local agent can visit you at home.

  5. We explain the decision

    If we can offer you a loan, we will explain the amount, repayment and agreement clearly before you decide.

  6. Money and repayments

    Once everything is agreed, in most cases the money will be in your bank account within 48 hours. Pay weekly or monthly by card or bank transfer, or make a weekly cash payment if an agent visits you at home.