You can make overpayments, to reduce the interest you pay on your loan by following these simple steps.

• Log in to your account
• Click Manage
• Use the Make an overpayment section to make your monthly payment
• Choose whether you’d like the overpayment to reduce your loan term or monthly repayment amount by ticking one of the following options:
  • ‘I would like to keep my monthly payment the same and reduce my loan term’
  • ‘I would like to reduce my monthly repayment and keep my loan term the same’

 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.

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 need to put someone else in control of your account, for example, because you lack mental capacity to look after your own financial affairs, please get in touch with our team. We’ll need a copy of your registration of Power of Attorney.

If you’re struggling to make your next repayment, or have already missed a repayment, don’t panic. At LiveLend, we won’t charge you for missing a repayment. However, missing a repayment will result in you paying additional interest on your loan, and could have a negative impact on your credit score.

We can work with you to make sure this doesn’t happen so if you feel you’d benefit from additional support, we’ll give you a call to understand your situation and help you find a solution that’s right for you. Get in touch with us and we’ll help you get things back on track.

Viewing your loan information couldn’t be easier. Simply log in to your account and select Overview. Your current balance is shown at the top of the page.

If you're thinking about closing your loan early, it’s important that you get a quote first so that we can calculate the total settlement amount required to fully close your loan. Find out more about closing your loan early .

The LiveLend Reward Loan is a loan that rewards you for improvements in your credit score. When your credit score goes up, the interest rate you’ll be charged will go down. 

We'll look at your credit score every three months and if your credit score has gone up by 25 points, we'll automatically reduce your loan rate. Don't worry, this check won't affect your credit score. For every 25 points that your credit score increases, we'll reduce your loan rate by 2%, as long as you're up to date with your repayments.

We'll reduce your loan rate straight away and reduce your monthly repayments, so your loan will cost you less! Your loan rate can reduce to 9.9%. We'll never put your rate back up, even if your score gets worse. 

The credit score we use to review your eligibility for rewards is taken directly from Equifax on the day that you apply for our loan. We’ll always use this score for your Reward Loan.

The Reward Loan is available exclusively through popular comparison websites such as ClearScore, MoneySuperMarket.com and Experian. 

To check your eligibility with no impact on your credit score, simply head over to your preferred financial services comparison provider. There you’ll see all of the loans from across the market that you’re eligible for and that are best suited to your personal needs. 

Our loan APRs (Annual Percentage Rates) start at 10.9% to 39.9%.

Representative Example: 25.7% APR Representative based on a loan of £5,000, repayable over 42 months at an interest of 25.7% pa (fixed). Monthly repayment of £174.65. Total amount payable £7,335.28. Our representative APR applies to loans from £1,000 to £12,000, for terms of 12-60 months.

Our loans are 25.7% APR Representative.

Yes, you'll need a UK bank or building society account, registered in your name and to your current address. The account must also accept Faster Payments. You can check if your bank account accepts Faster Payments here. This is the account that we will pay your loan into and also take your monthly loan repayment from, by Direct Debit.

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.

Since the 29th November 2018, we only offer the Reward Loan.

Our loans are 25.7% APR Representative.

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.

Yes, at LiveLend, we understand that people miss payments from time to time, but we also want to make sure you can afford to repay the loan. So, we use lots of data to help us make our lending decision, and we’ll pick up the phone for a chat if we have any questions.

No, once your loan rate has been reduced, we’ll never put your rate back up. You can't earn further rewards whilst you're behind on your payments, but as soon as you’re up to date with your payments you’ll be able to reduce your rate again.

Once you’re back on top with your repayments, we’ll review your credit score in the usual way every three months and you’ll have the opportunity to earn more rewards.

Every three months, we'll do a reward review to see if you've qualified for a reward. If you have qualified for a reward, we'll put your rate down straight away. We'll do this automatically, so there's no need for you to do anything. We'll apply your reduced loan rate to your next loan repayment. This means your monthly repayment will be less. We'll send you an email to let you know how much your loan rate is reducing by.

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.

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 following these steps:

• Log in to your account
• Click Manage
• Scroll down to the Close my loan section
• Click Calculate my settlement

You'll then be asked to confirm whether or not you wish to continue withdrawing from your loan agreement.

If you do, 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.

To view your loan information, simply log in to your account and select Overview. Your 'Remaining term' is shown as well as your 'Loan to be settled' date.

Your repayment amount and date are shown at the bottom of the page under the Payments section. 

If you’d like to change the bank account your monthly repayments are taken from, follow the steps below.

First, check we can verify your new details online:

• Log in to your account
• Click Account
• Click View my details
• Scroll down to Bank details
• Update the fields with your new bank account details

If you prefer, you can use the Current Account Switch Service which will automatically transfer your Direct Debit across. Learn more about the Current Account Switch Service.

The bank account must be:

• In your name
• Registered to your address
• Able to accept Faster Payments
• Able to set up Direct Debits

Changing your bank details won't automatically update your Direct Debit. If you need to change your Direct Debit, get in touch with us.

As a responsible lender, it’s important that we can verify your new details. If we can’t, you won’t be able to use a different bank account and we’ll continue to take your loan repayments from the bank account we verified when you took out the loan with us. If you’ll struggle to make your repayments from this account, get in touch with us so we can help.

You can get in touch with us through our LiveBot, live chat or email.

Our LiveBot is new to LiveLend and whilst we’re testing out some of its features, it may not always be available. But don’t worry, you can still speak to our support team on live chat and email.

If you’d like to talk to us on the phone, we’ll call you back - 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.

If you’re a customer of ours, and you’d like to discuss your loan, please log in and click on the Get in touch page before chatting to us or sending us an email. This way, we’ll be able to share personal information with you safely and securely.

Your loan rate is on the Overview page of your online account. Simply log in and select Overview. All the information about your loan agreement is there. Alternatively, you can review your loan agreement in the Messages section of the site. 

No, your LiveLend loan can only be transferred into the same account that your monthly Direct Debit will be taken from. This account must be in your name and registered to your current address.

All of your loan documents are online for you to access whenever you need them. Viewing your loan information couldn’t be easier. Simply log in to your account, select Messages at the top of the page, and you'll be able to view all your documents. 

We review your eligibility for a reward based on a credit score provided by Equifax. This score is called a ‘management score’. It’s different from the score you’ll see on your credit reports which show you how likely you are to get accepted for credit. It’s shared with us from Equifax so that we can measure your score movement over time. We compare this score against a score taken directly from Equifax on the day that you apply for our loan. 

We review your eligibility for a reward every three months and for every 25 points that your credit score increases, we'll automatically reduce your loan rate by 2%, as long as you're up to date with your repayments.

We recommend you pick a date close to the day you get paid as most of our customers find this easier to manage. You won’t be able to change your repayment date within the first 12 months of your loan.

You can use your loan for almost anything you like, from a new car to improvements to your home, or to help you consolidate your debts into one monthly payment. We don't offer loans for investment purposes or for purchase of residential property. We don't offer loans to businesses.

Yes, we don't limit the number of rewards you can get at each review period. So, if your credit score increases by 100 points, we'll reduce your loan rate by 8%. You can continue to earn rewards every three months, as long as you're up to date with repayments, if your score has increased by 25 points or more.

Your loan rate can reduce all the way down to 9.9% so if your loan rate is 9.9%, you won’t be able to earn a reward.

Our loan APRs (Annual Percentage Rates) start at 10.9% to 39.9%.

Representative Example: 25.7% APR Representative based on a loan of £5,000, repayable over 42 months at an interest of 25.7% pa (fixed). Monthly repayment of £174.65. Total amount payable £7,335.28. Our representative APR applies to loans from £1,000 to £12,000, for terms of 12-60 months.

Our customers aren't able to borrow more on top of their existing loan. If you need some extra support with your loan repayments or would like to chat to us about your loan in general, get in touch with us so we can help.

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. Our UK support team will contact you directly to discuss your loan application and any additional information that they might need.

Our loan APRs (Annual Percentage Rates) start at 10.9% to 39.9%.

Representative Example: 25.7% APR Representative based on a loan of £5,000, repayable over 42 months at an interest of 25.7% pa (fixed). Monthly repayment of £174.65. Total amount payable £7,335.28. Our representative APR applies to loans from £1,000 to £12,000, for terms of 12-60 months.

At LiveLend, we’ll simply offer the best loan we can. Our loans are online personal loans from £1,000 to £12,000. This can be for any purpose, although we don’t provide loans for investments or for the purchase of residential property. We also don't offer loans to businesses.

We provide LiveLend loans through popular comparison websites, such as ClearScore , MoneySupermarket .com and Experian .

To check your eligibility with no impact on your credit score, simply head over to your preferred application partner. There you’ll see all of the loans from across the market that you’re eligible for and that are best suited to your personal needs. You might not see LiveLend in your results, that just means there are other loans better suited to your personal circumstances. 

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. The only interest you pay is the loan APR on the amount you borrow. 

Our loans are 25.7% APR Representative.

You can make overpayments anytime during your loan term by following these simple steps.

• Log in to your account
• Click Manage
• Use the Make an overpayment section to make your monthly payment
• Choose whether you’d like the overpayment to reduce your loan term or monthly repayment amount by ticking one of the following options:
  • ‘I would like to keep my monthly payment the same and reduce my loan term’
  • ‘I would like to reduce my monthly repayment and keep my loan term the same’

 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.

We review your eligibility for a reward based on a credit score provided by Equifax. 

You should include your essential expenses and financial commitments.

For example: 

• Your share of the mortgage or rent
• Any existing loan or credit card repayments
• Utility bills such as gas, electricity, water, council tax
• Any monthly commitments such as mobile phone, broadband, sky, insurance
• Food costs
• Childcare costs
• Travel costs

We offer online personal loans from £1,000 to £12,000. 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.

If you want to request a Data Subject Access Request you can do that through our online form here.

We know that you don’t want to spend all day filling in forms. To get your quote we will only ask for:

• Your personal details, (name, address, date of birth, email address and phone number)
• Your address history and residential status
• Your employment status
• Your income and expenditure, including essential expenses and financial commitments

You can get your quote by using our loan calculator and clicking 'Get my quote'. 

Yes, so that we can keep you updated on when your payments will be taken throughout your loan term, we email or text all of our customers three days before their repayment is due. 

If you want to change the way you get your payment reminders, you can update your preferences on the Account page when you’re logged in. If you’ve not selected your communication preferences, we’ll send you the reminders by text.

If you’re not receiving these reminders, get in touch with us. 

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're obliged by law to send. 

If you have a complaint we want to hear it, so please get in touch. We’ll review your feedback and come back to you as soon as possible.

If you’re not satisfied with our response to your complaint, you can refer your complaint to the Financial Ombudsman Service (FOS). Please note that the FOS won’t look at your complaint until it has been raised with LiveLend and we’ve been given a reasonable time to respond.

So that we can keep you updated on when payments will be taken throughout your loan term, we email or text all of our customers three days before their repayment is due. 

This helps you keep track of your repayments and also lets you know about any changes that may affect your repayment date or amount such as:

• If your repayment date lands on a Bank Holiday or a weekend (in this case, your repayment date will always be taken on the next working day)
• If you’ve earned at least one reward (this means your loan rate will reduce and your monthly repayments will be less)

We believe it’s our responsibility to keep you informed about your upcoming payments so that it’s easier for you to manage your money.

If you want to change the way you get your payment reminders, you can update your preferences on the Account page when you’re logged in. If you’ve not selected your communication preferences, we’ll send you the reminders by text.

When you apply for your loan, you can choose the date you'd 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.

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 'Get my quote'. 

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.

When you apply for your loan, you can choose the date you’d 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 repayments may start the following month.

If you’ve taken a loan and forgotten what date you selected, you can log in and click Overview. Your repayment date and history will be available at the bottom of the page under Your Payments. You can also find these details in your loan documents in Messages.

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 access LiveLend loans through popular comparison websites, such as ClearScore , MoneySuperMarket.com and Experian ​​​​​​​.

To check your eligibility with no impact on your credit score, simply head over to your preferred application partner. There you’ll see all of the loans from across the market that you’re eligible for and that are best suited to your personal needs.

As LiveLend loans are only available through popular comparison websites, such as ClearScore , MoneySuperMarket.com and Experian , you’ll see us pop up as a potential option to consider following a soft search (also known as a quotation search)  of your credit history. Soft searches are completed by lenders like LiveLend to confirm your eligibility for a product. They’re different from credit application searches (also known as hard 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.

Soft searches take the guesswork out of applying for credit and protect your score. 

To set your Direct Debit back up, please follow the steps below:

• Log in to your LiveLend account
• Click the set up a Direct Debit button on the Overview page

It’s important that you have a Direct Debit set up to help you make your monthly repayments on time. 

We don’t require any documentation from you online.  As part of your soft search we will verify your identity and if we have any further questions or cannot match your information online, one of our expert team will call you directly.

You can get a quote from your preferred financial services comparison provider 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. 

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 25.7% APR Representative.

This could be down to a number of reasons.

We review your eligibility for a reward based on a credit score provided by Equifax. This score is called a ‘management score’. It’s different from the score you’ll see on your credit reports which show you how likely you are to get accepted for credit. It’s shared with us from Equifax so that we can measure your score movement over time. We compare this score against a score taken directly from Equifax on the day that you apply for our loan. 

We use this score to review your eligibility for a reward every three months. Your score will need to be at least 25 points higher in order to earn a reward and you'll need to be up to date with your loan repayments.

Your loan rate can reduce to 9.9%, so if your loan is at 9.9% or below, you won't be able to earn any more rewards.

At LiveLend we won't charge you a fee. Ever. Not even if you miss a loan repayment. We’ve designed our loans alongside our customers and, as a result, we’ve developed a truly fair and flexible loan.

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.

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 LiveLend loan will cost.

If you're eligible for the LiveLend Reward Loan, you’ll see us listed in your search results from your preferred financial services comparison provider. 

If you’re eligible, we’ll show you your real rate so you’ll know exactly how much your loan will cost from the outset. 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. 

Our loans are 25.7% APR Representative.

No, not yet, but we know you're busy, so you can get your quote in just two minutes via your preferred financial services comparison provider. 

Your quote will let you know whether you can take out 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. 

Our loans are 25.7% APR Representative.

Your annual statement will be sent to you by email, but is also available online. Simply log in to your account and select the Messages tab at the top of the page, to review all your loan documents, including your annual statement. This will be available one year after you have taken your loan. 

Moving house shouldn't impact your application, as long as you’re registered to vote at your new address. Not being registered to vote can have a negative impact on you credit score. If you’ve been in your current address for less than two years you’ll need to provide us with your previous address details.

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

As a 100% digital bank, we use online electronic tools to verify your details.

When sharing your bank details during your loan application, it's important you check that:

• Your bank details are correct
• The bank account is registered in your name and current address
• Your bank accepts faster payments

You have a total of three attempts to submit your bank details. If we haven't been able to match your details during your first attempt, you can try entering a different bank account as long as it fits the criteria above.

If we’re still unable to verify your details, it may be that your bank account is one that hasn’t adapted to the industry standard, that came into effect in 1998, where established banks share useful information directly with credit reference agencies (CRAs) and online financial services like ourselves. Some of the accounts that fit this criteria are listed below.

• Bank accounts opened before 1998
• Some of the new challenger banks

Our digital approach allows our customers to manage their loan completely online wherever they are but it also means we keep costs low so that we can continue to offer great rates. This does mean, however, that some customers won’t be able to take a loan with us, depending on who they bank with, as we mention above.

Unfortunately, if we can’t match your account then you won’t be able to take a loan with us right now. We welcome more support from established banks to increase the number of accounts they share with us. Until then, we’re working hard to welcome even more customers to LiveLend.

Yes. If you'd like to reinstate your Direct Debit so your monthly repayment is taken on the original date you requested on your loan application, please follow the steps below:

• Log in to your LiveLend account
• Click the set up a Direct Debit button on the Overview page  

Having a Direct Debit set up will help you make your monthly repayments on time.

If you’d like to change the bank account your monthly repayments are taken from, follow the steps below.

First, check we can verify your new details online:

• Log in to your account
• Click Account
• Click View my details
• Scroll down to Bank details
• Update the fields with your new bank account details

If you prefer, you can use the Current Account Switch Service which will automatically transfer your Direct Debit across. Learn more about the Current Account Switch Service.

The bank account must be:

• In your name
• Registered to your address
• Able to accept Faster Payments
• Able to set up Direct Debits

Changing your bank details won't automatically update your Direct Debit. If you need to change your Direct Debit, get in touch with us.

As a responsible lender, it’s important that we can verify your new details. If we can’t, you won’t be able to use a different bank account and we’ll continue to take your loan repayments from the bank account we verified when you took out the loan with us. If you’ll struggle to make your repayments from this account, get in touch with us so we can help.

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

.

At LiveLend as soon as your loan documents are signed, we transfer your money to your bank account. Most customers will receive the money instantly, but some bank accounts take longer. Either way the money will be in your account in under four hours.
 

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.

There are three Credit Reference Agencies (CRAs) in the UK - Equifax, Experian and TransUnion. They all have different scores but this is completely normal. All three are dedicated to collecting information on your financial behaviour and how it has impacted your score.

It’s good practice to look at all of your credit scores on a regular basis so you can keep an eye on any changes. You can get to know your credit score better with free credit reports using the links below:

• ClearScore
• Intuit Credit Karma
• Experian

Learn more about the Reward Loan.

There are three Credit Reference Agencies (CRAs) in the UK - Equifax, Experian and TransUnion. All three are dedicated to collecting information on your financial behaviour and how it has impacted your score.

CRAs must share your credit report with you if you request it. It’s good practice to look at all of your credit scores on a regular basis so you can keep an eye on any changes.

They all have different scores but this is completely normal. You can get to know your credit score better with free credit reports at ClearScore, Intuit Credit Karma and Experian.

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.

As a responsible lender, it's important that we can verify the following details during your application:

• Your name and date of birth
• Your email address
• Your phone number
• Your address history and residential status
• Your employment status
• Your income and expenditure, including essential expenses and financial commitments

We also use a Credit Reference Agency (CRA), along with the information you tell us, to help correctly match your details and make a lending decision. CRAs such as Equifax, TransUnion and Experian, collect information about your which helps lenders verify your identity.

If the personal details they hold about you are not up to date or don't match what you've entered during your loan application, this may be the reason we can't verify your identity right now.

It's important that you make sure the information CRAs hold about you is correct. You can check what information they have by clicking the link below and accessing your credit report.

www.equifax.co.uk
www.transunionstatreport.co.uk
www.experian.co.uk

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're unemployed or you've only been in your job for a short time
• Your residential status. For example, if you've 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

If you’ve been impacted during this difficult time, don’t worry - we’re here to help.

We have a number of different options we can offer that can help make things more manageable such as a temporary reduced payment plan.

If you’d like to discuss the solutions we can offer you whilst things get back on track, get in touch with us now.

During this time, we’re prioritising those who need urgent support with their next repayment, so please bear with us whilst we manage these queries first and get back to you as soon as possible.

There’s also lots of free and independent advice available to help you manage other areas of your finances. You can take advantage of this support by clicking the links below

Money Advice Services’ Money Navigator Tool
FCA guidance
StepChange
Citizens Advice
MoneySavingExpert