How do you make approval decisions?

We don't guarantee approval or how much you can borrow. To decide if you can take out a short-term loan, and how much you can borrow, we assess your ability to repay using a sophisticated credit scoring system and affordability analysis. If you've demonstrated good repayment behaviour, you can usually apply for higher loan amounts if you want to use us again.

Our process is pretty simple:

  1. You apply for the loan
  2. We analyse your individual situation
  3. If approved, you get the loan streamed to your account.

You can read more about that process on our How It Works page or you can apply for loan streaming right now.

Representative 1325% APR

Loans with instant approval

We don't offer 'instant approval' (although it usually only takes a few minutes to get you a decision). This is because, as a responsible lender, your application is checked via our online algorithms and, if necessary, personally. In some rare cases, we may need further information in order to complete a decision. This may mean verifying your workplace (discreetly) or confirming your debit card details.

Once we've approved your loan, we aim to have the loan streamed to your bank account within minutes, so you can get access to the funds as quickly as possible.

1325% APR

Learn more about the cost of your loan, default charges, risks and prepayments.

Responsible Lending: Carefully consider whether a loan is right for your individual financial situation. Borrowing of this type is an expensive form of credit that may be appropriate for short term financial needs but which is not appropriate for longer term borrowing or if you are in financial difficulty. All loan applications are subject to status checks, terms and conditions and to satisfactory passage of checks on credit worthiness and affordability.

We don't offer loans under 60 days. Early prepayment options that are available are not associated with any fees or cost. Maximum APR of 1698.1%. Given a Representative APR is 1325%, if you borrow £200 over 6 months at 292.0% p.a. (fixed) your first repayment will be £33.60 followed by £96.00, £75.84, £66.88, £62.40 and £48.96 the following months. You will repay £383.68 in total, there are no additional fees.