Responsible Lending
Responsible Lending means that our products and services are appropriate for our consumers’ needs and are tailored to our consumers’ ability to repay.
It refers to our lending policies and practices that take steps to ensure that clients are treated fairly and that they benefit from the loans that they receive. It is our commitment to avoid over-indebting clients by offering well-designed products and carefully establishing the ability to repay. A payday loan is intended for short-term emergency needs. It is not appropriate for long-term borrowing requirements and it is given based on borrowers’ circumstances and affordability.
We are transparent with our charges and are authorised and regulated by the Financial Conduct Authority. Please refer to "Our Charges" page to get more details. Please also check the Financial Conduct Authority site to find out more about Responsible Lending.
We hold the following licenses and memberships:
It refers to our lending policies and practices that take steps to ensure that clients are treated fairly and that they benefit from the loans that they receive. It is our commitment to avoid over-indebting clients by offering well-designed products and carefully establishing the ability to repay. A payday loan is intended for short-term emergency needs. It is not appropriate for long-term borrowing requirements and it is given based on borrowers’ circumstances and affordability.
A payday loan is intended for short-term emergency needs. If you do not repay your loan, you may be liable for further interest and default charges. This may increase the amount you owe and will make it harder for you to pay it off. It may affect your credit rating and could make it more difficult to obtain credit in the future.
We are transparent with our charges and are authorised and regulated by the Financial Conduct Authority. Please refer to "Our Charges" page to get more details. Please also check the Financial Conduct Authority site to find out more about Responsible Lending.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
We hold the following licenses and memberships:
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Authorised and Regulated by the Financial Conduct Authority (Consumer Credit Licence Number 628834 ).
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Information Commissioner's Office registration under the Data Protection Act of 1998: Z1871237
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Registrar of Companies for England and Wales – Company Number: 6903492
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Payment Card Industry – Data Security Standard (PCI – DSS)
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British Credit and Cheque Association (BCCA)
