Meet our customers' needs for short term loans
Determine that loans are affordable and within a customer's means to repay
Be upfront and straightforward in our explanations and agreements
Provide excellent, friendly and efficient customer service
Ensure our customers are completely satisfied

We will never:

Seek to deal with those under pressure as a result of existing debt
Allow customers to borrow money which is beyond their means to repay
Do business with anyone whose identity is in doubt
We ask that our commitment to lend fairly and responsibly is reflected by our customers giving careful and honest thought to their ability to repay.

Simple Application Process

We make borrowing money fast, easy and open, and promise to provide you with any necessary details to help you borrow sensibly.

Lending Amounts

We use a dedicated credit scoring system to determine optimal amounts of lending so that you can repay comfortably. As a result, customers who use our services repeatedly and show reliable management of their borrowing will be offered greater amounts to borrow.

Assessing Your Credit Record

Part of our commitment to responsible lending is to check your credit background before approving any borrowing. Our processes are prompt and we will not usually make you wait for more than a few moments before giving you our decision

Clarity in Charges

The amount to be repaid is confirmed at the start of the loan and will not change provided you make the agreed payments within the defined time. Any extra fees, for example resulting from arrears or late payments, are listed in your loan agreement.

Our advice is that customers give careful thought to borrowing money. We suggest only applying to borrow money if you feel able to cope with any extra financial demands which may result and can repay the loan as agreed

Assessing Your Credit Record

Part of our commitment to responsible lending is to check your credit background before approving any borrowing. Our checking processes are quick and we will not usually make you wait for more than a few moments before giving you our decision.

We still welcome business from customers whose credit records are imperfect, and will endeavor to meet your needs if you fall into this category.

Fairness in Handling Defaults

Sometimes circumstances change and we recognise that at times our customers may have problems repaying borrowed money. Our commitment to you is to offer you other schedules of payment in this situation to avoid impacting on your credit history. We commit to giving customers a reasonable period of time in which to repay and do not bully or set unfairly high fees for customers who default.

Looking After Your Information

We take our responsibility for your privacy and information very seriously and can assure your confidentiality throughout the borrowing process. We are licensed to provide credit, hold a VeriSign certificate and encrypt any submitted data via SSL.