Our frequently asked questions

How do I apply?

Hi, you can apply through our website. If you are accepted you will get a text straight away followed by a phone call within an hour.

When will I find out my loan status?

We don’t have any control on when the lender will get in touch. Typically after you apply for the loan a lender should be in touch within 1-2 hours.

How long does it typically take?

You should be contacted within the hour and most cases you will also be funded in the same hour, in some cases this may take longer but if it is over 24 hours unfortunately you have not been accepted.

How do repayments work?

Hi, the repayments are explained by the lender after the application is submitted. You don’t have to accept this.

Why do you need my bank details?

We ask for online banking details in order for us to download your statements and verify your affordability for the loan. If accepted you should get a text straight away and also a phone call within the hour explains everything in more details. Any questions please let me know. You can read more about the credit sense system we use here.

What are the interest rates?

Representative example: APR 407.39% if borrowed $ 1000 for 62 days, interest $ 692. Total amount repayable $ 1692. Interest rates: Maximum nominal APR of $ 1000: 407.39%

Rates from 278% to 1576% (3 – 12 month repayment) – This can vary from each lender but will be explained in full before you agree to anything.

How are funds paid to me?

Funds are typically paid to your via bank transfer within one hour of application.

My bank isn’t listed on your website

If your bank is not listen on our website we unfortunately will not be able to accept your application, we are working to accept application by other methods very soon.

Do you carry our credit checks?

We will not carry out any credit checks. Once you have been matched with a lender they may carry out a credit check in order to finish your application.