LiveLendGroup 2
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About Us

What are the features of your loan?

We've designed our loans alongside our customers and, as a result, we’ve developed a truly fair and flexible loan.

We won't charge you any additional fees. Ever. Not to open your loan, to service it or to close it early. We won’t even charge you if you miss a loan repayment.

We'll always give you an instant decision, and we’ll do it in a way that doesn’t impact your credit score, so that you can get your quote and shop around for the best rate.

We won’t ask you for information that we don't need and with a simple, online application it should only take five minutes to complete. Not only will we give you a decision in two minutes, we’ll also transfer your funds immediately so your money is in your account in under four hours.

Our loans are 14.0% APR Representative.

Who is LiveLend owned by?

LiveLend is part of Chetwood Financial Limited, company number 09964966, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 740551. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.

Chetwood was set up in March 2016 by financial services experts and technologists. We're focused on improving lives by using technology to create innovative, low cost products. You can find out more about Chetwood here.

Who do you lend to/Who can apply for a LiveLend loan?

To be eligible for a LiveLend loan you need to meet the following criteria:

  • Be at least 18 years old
  • Be a UK resident 
  • Be employed, self-employed or retired with a pension
  • Have an income of at least £12,000 per year (before tax)
  • Have a credit history that we can see, and a good track record of repaying debt
  • Be able to afford the loan

All our loans are subject to status and our credit checking.

We don’t offer joint applications, guarantor loans or loans to businesses.

Where can I find your full terms and conditions?

Your personal loan terms and conditions will be provided online, and by email, after you’ve got a quote.

Here is a list of other useful documents:

Privacy policy 
Terms of use 
Cookies policy
Complaints policy

What type of loans do you offer?

At LiveLend, we offer online personal loans from £1,000 to £5,000. We don’t offer different types of loans upfront. Instead, when you apply, we’ll simply offer you the best loan we can.

How are you regulated?

LiveLend is part of Chetwood Financial Limited, company number 09964966, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 740551.

We’re also registered with the Information Commissioner's Office, in compliance with the Data Protection Act 1998, under registration ZA218401 and we’re a member of CIFAS, the UK's leading fraud prevention service.

You can find out more about Chetwood here.

Your Application

How long will the application take?

In two minutes we’ll let you know whether you can take our loan and we’ll also give you your real rate. That way, you’ll know exactly how much your loan will cost. The rest of the application will take just another three minutes and we’ll transfer your funds immediately so your money is in your account in under four hours. You can get your quote by using our loan calculator and clicking 'Start my application'.

Our loans are 14.0% APR Representative.

What is a soft search?

At LiveLend we only use soft searches, also known as quotation searches, to work out whether you’re approved for our loans. Soft searches are different from credit application searches, which happen when you actually apply for a product. Too many credit application searches in a short space of time can damage your credit score.

A soft search, on the other hand, will let you know whether you’re eligible for the loan before you apply. That means we’re taking the guesswork out of applying for credit and protecting your score. You can get your quote by using our loan calculator and clicking 'Start my application'.

How do I apply?

LiveLend loans are available to customers on our website, by using our loan calculator and clicking 'Start my application'. They're also available on ClearScore.

We understand that you don’t want to spend all day filling in forms. We’ve made things easier and faster, so that you can get your quote online in just two minutes. We’ll do it in a way that doesn’t impact your credit score, so that you can get your quote and shop around for the best rate.

The rest of the application will take just another three minutes and we’ll transfer your funds immediately so your money is in your account in under four hours. You can get your quote by using our loan calculator and clicking 'Start my application'.

Our loans are 14.0% APR Representative.

How likely am I to be accepted?

You can get a quote online in just two minutes, so you'll know whether you can take our loan. And we’ll do it in a way that doesn’t impact your credit score, so that you can get your quote and shop around for the best rate. You can get your quote by using our loan calculator and clicking 'Start my application'.

To be eligible for a LiveLend loan you need to meet the following criteria:

  • Be at least 18 years old
  • Be a UK resident
  • Be employed, self-employed or retired with a pension
  • Have an income of at least £12,000 per year (before tax)
  • Have a credit history that we can see, and a good track record of repaying debt
  • Be able to afford the loan

All our loans are subject to status and our credit checking.

We don’t offer joint applications, guarantor loans or loans to businesses.

Our loans are 14.0% APR Representative.

How do you decide what rate to charge me?

We think representative rates are confusing. So, when we give you your quote, we’ll also give you your real rate. That way, you’ll know exactly how much your loan will cost. This is a rate individual to you, worked out based on the information you provide us with as part of your application, any information we might already know about you, and the information provided to us by our Credit Reference Agency.

How much can I borrow?

We offer online personal loans from £1,000 to £5,000. We make responsible lending decisions because a loan needs to be good for you and us. We want to make sure you can afford to repay the loan.

At LiveLend we'll consider your personal situation, including your income and your financial commitments, before we make a lending decision, and we’ll pick up the phone for a chat if we have any questions.

Your Decision

Why is the rate you have offered me different to the advertised rate?

We have to use representative rates on our website to comply with regulation, but we know that these rates can be confusing. So, when we give you your quote, we’ll also give you your real rate. We do this in just two minutes, and without any impact to your credit report, so that you know exactly how much your loan will cost.

This real rate is a rate individual to you, worked out based on the information you provide us with as part of your application, any information we might already know about you, and the information provided to us by our Credit Reference Agency.

How do I find out my credit score?

Credit Reference Agencies must share your credit report with you if you request it. Some will charge you a fee, but there are a couple of of free sites that you can use to access your credit score:

Credit Reference Agencies that may charge you for your report:

Why have you declined my application?

We understand that our decision may be a disappointment, so let us explain how we’ve reached it. As a responsible lender, we always review all the information available to us. That way, we can make a fair decision.

The only information we use is what you told us in your application, information we might already know about you and information provided by Credit Reference Agencies.

When reviewing information we promise to only use soft searches, so there’s no impact on your credit rating.

We consider several factors including:

  • Your employment status. For example, if you are unemployed or you have only been in your job for a short time
  • Your residential status. For example, if you have lived at your address for only a short time
  • Your payment history for other loans or credit card repayments
  • Your current level of borrowing and existing commitments
  • Any information we already hold about you

How do I complain?

If you have a complaint we want to hear it, so please get in touch here. Our expert team will review your feedback and come back to you as soon as possible.

If you are not satisfied with our response to your complaint, you can refer your complaint to the Financial Ombudsman Service (FOS). Please note, that the FOS will not look at a complaint until it has been raised with LiveLend and we have been given a reasonable time to respond. You can contact the FOS here.

Will you be doing a credit check on me?

At LiveLend we only use soft searches, also known as quotation searches, to work out whether you’re approved for our loans.

Soft searches are different from credit application searches, which happen when you actually apply for a product. Too many credit application searches in a short space of time can damage your credit score.

A soft search, on the other hand, will let you know whether you’re eligible for the loan before you apply. That means we’re taking the guesswork out of applying for credit and protecting your score. You can get your quote by using our loan calculator and clicking 'Start my application'.

If you decide to take a LiveLend loan we’ll conduct a full search and update the Credit Reference Agencies that you've taken a loan with us.

Why do you need more information about my application?

For a small number of customers we'll need a little more information. As a responsible lender, we want to make sure that our loan is good for you and make sure you can afford to repay the loan. One of our expert team will contact you directly to discuss your loan application and any additional information that they might need.

Your Loan

I already have a loan with you, can I borrow more?

Once you've had your loan for a while, we'll review your eligibility to borrow more. If we think you might be able to borrow more, this option will be available to you when you're logged into your account. If this option isn't available, then unfortunately, you're not able to borrow more with us right now.

You can check your eligibility regularly by logging into your account. This won’t impact your credit score.

Can I speak to somebody about my loan?

You can get in touch at any time through live chat or through our online form here. If we need to talk to you, we’ll always call you - so you won't ever have to wait on hold again. We made the decision not to have a phone number, in order to keep our costs low so that we can offer you the best rates possible.

How do I find out how much I have left to pay on my loan?

Viewing your loan information couldn’t be easier. Simply log into your account and select Overview. Your current balance is shown at the top of the page. If you are thinking about closing your loan early please click on Manage and Close my loan to confirm the amount you need to repay, including your daily interest, as of today. You can log in here.

How do I unsubscribe from emails or texts?

You can easily unsubscribe from emails or texts by logging in, clicking on Account and scroll to the preferences section at the bottom of the page. Here you can select how you want to receive communications, and also which types of communication you would like to receive.

Please bear in mind that even when you unsubscribe, there are some communications that we are obliged by law to send. You can log in here.

Can I view my loan statement online?

Yes, to view your loan information, simply log into your account and select Overview. Your payments are shown at the bottom of the page. If you want to view your annual loan statement you can do this in the Messages section of the site. You can log in here.

Your Repayments

What happens if I miss a payment?

At LiveLend we won't charge you a fee. Ever. Not even if you miss a loan repayment. However, missing a repayment will result in you paying additional interest on your loan, and will have a negative impact on your credit score.

If you're struggling to make your next repayment, or have already missed a repayment, don’t panic. Please log into your account, click on Manage and Make your payment and make a payment for your repayment amount, via debit card. You can log in here.

Alternatively, if you're struggling to make your full repayment, you can get in touch with us here so that our expert team can help you.

I'm struggling to make my repayments, what do I do?

If you're struggling to make your next repayment, or have already missed a repayment, don’t panic. Get in touch with us here so that our expert team can help you.

What happens if I want to close my loan early?

You can get a quote to close your loan at any point. All you need to do is log in and click on Manage and then Close my loan. You’ll be given a quote which is your latest balance, plus any daily interest due to be applied. There are no fees to close your loan early and closing your loan early will reduce the interest you pay. We’ll show you how much interest you’ll save online. Your quote is valid for 30 days.

If you decide to cancel your loan within 14 days, starting the day after you have signed the agreement, you can withdraw from your agreement online, by selecting Manage and Close my loan. You'll then need to click Withdraw from my agreement.  If you do this you're obliged to settle your loan balance within 30 days, from the day after you give us notice. If you don't settle, you're liable for the full balance of your loan, plus interest. This can't be reversed. You can log in here.

When will my first payment be taken?

When you apply for your loan, you can choose the date you would like your payments to be taken from your account. We recommend you pick a date close to the day you get paid as most of our customers find this easier to manage. Depending what date you pick, your loan might start the following month.

If you've taken a loan, and forgotten what date you selected, you should log in and click on Overview. Your repayment date and history is available at the bottom of the page under Payments. You can also find this on your loan documents, if you click on Messages.

You can log in here.

What happens if I want to make an overpayment on my loan?

You can make overpayments, to reduce the interest you pay on your loan. Once you've made your payment, your account will be updated within a few days. The good news is that at LiveLend we don't charge you for making overpayments, or for repaying your loan early. So you save interest and pay your loan off quicker.

To make an overpayment, please log in and click on Manage. You can log in here.

How do I change my repayment date for my loan?

We recommend you pick a date close to the day you get paid as most of our customers find this easier to manage. We'd prefer you not to change your repayment date within the first six months of your loan. If you feel you really need to change your repayment date, please get in touch with our expert team here.