Let Us Answer Your Questions:
How does it work?
You enter your details into the short form and T.uk’s lender matching technology will scan to find lenders who may be able to help. If there is a match, you will be re-directed to the lender’s own website where you will complete your application and receive a decision. If the offer they make is appropriate for your needs, you can choose to accept their offer or simply decline it. There is no obligation. Please make sure before accepting an offer that you read and agree to the terms of the offer. These will be clearly shown to you before you agree to proceed.
Will I definitely be offered the loan term and amount that I need?T.uk, along with their lending panel, will do their best to get you the funds and repayment term that you need however, if the lenders are unable to help with the full amount, they may be able to offer you an alternative loan amount to give you an option that may at least partially solve your financial needs.
Do the lenders show me the terms before I accept the loan offer?Yes - before you sign up for a loan you will clearly be shown the term and conditions of the loan by your Lender. There is no obligation until you decide that the loan you have been offered is the right one for you.
I have a question about a loan I have taken outIf you have taken out a loan with a lender from T.uk’s panel, and need to discuss any aspects of the loan you will need to contact the lender directly as for privacy reasons we cannot discuss your loan account with lenders.
I have credit problems - can I still apply?Yes - the majority of T.uk’s lender’s products are designed to help people even if they have credit problems. They look at your ability to repay in the future rather than just your past credit history.
Responsible Lending Policy:
The lenders T.uk work with:The lenders T.uk work with assess that you can afford the loan, and are able to maintain repayment on time. The lenders provide clear and transparent communications and lending contracts to all customers.
The lenders do not:Target people with debt problems. Lend to people who they believe cannot afford to repay. Charge hidden fees. Deal with customers if there is any question about their identity or authenticity.
What happens if I do not repay my loan?Please look carefully at whether you can afford any loan before taking one out. Repay your loan on time if at all possible, this is the way to avoid penalties and extra charges.
Please be aware that if you do make late repayments or fail to repay your loan you will most likely incur further charges that can be costly. For further details on late repayment charges or charges for missed payments please contact your lender directly.
The loans that T.uk’s lender panel offer are for short term needs. If you are looking for a loan over a longer period of time then you may wish to consider alternative types of finance that may be more suitable.
If you already have loans and are struggling to repay or perhaps you think you may have debt problems then you should consider looking at other alternatives that may better suit your circumstances – a short term loan may not be the most suitable option for you.
If you are unsure about your finances or would like help and advice you may wish to contact the Citizens' Advice Bureau - https://www.citizensadvice.org.uk