Got a Question?
Frequent Questions
Find the answers below
Pre-Application
Lenders require us to collect this sensitive information so that they can complete checks in line with responsible lending and to assess if the loan repayments will be affordable for you. We do not have the ability to take any money from your account
For further information see www.moneyhelper.org.uk
- Soft credit checks don’t affect your credit score. These are usually used by lenders or comparison sites to check your eligibility before applying, to indicate if your application will be successful
- Hard credit checks could affect your credit score. These are used when you apply for credit and will show up on your credit report. Too many in a short space of time could negatively impact your credit score
Avoid making too many applications for products such as credit cards or loans
For further information see www.moneyhelper.org.uk
For further information see www.moneyhelper.org.uk
If you need further help or advice, you can get free support from MoneyHelper
There will be no obligation to pay the fee, you will have the right to decline the fee and select a no fee option. We only work with brokers who offer a free trial period and full refunds when the service does not meet expectations
Fees are charged by some of these entities to cover the cost of call-centre operations and membership system infrastructure required to source alternate loan options for you.
If you decide to pay the fee, all our partners will take your payment details via their website using SSL/TLS-secured technologies. No one will ever contact you and ask you to purchase products in advance to prove your ability to pay. If this happens you may be a victim of fraud
In general, the lower the APR, the better it is for you. This is because you pay less for borrowing overall. But it’s important to consider how long you’ll be borrowing for and how flexible the credit is too. Short-term loans are normally taken over a maximum term of 60 days, so APRs are not the best way to measure how competitive rates are. Our lenders prefer to focus on the amount you pay back in total rather than APR. If an APR is representative, that means the rate shown is what is being offered to most people who apply (at least 51%)
Post-Application
Alternatively, if you’re worried about things and want more information about how to manage your money, there are a number of free and independent organisations which can help:
- StepChange 0800 138 1111. Free advice on debt problems and finding the best solution for you
- MoneyHelper. Offers free, unbiased and independent advice to people who want to manage their money more effectively. Face to face sessions available
- National Debtline 0808 808 4000. Free, confidential debt advice service run by the Money Advice Trust
If you wish to opt out, please click on the unsubscribe link in one of our emails or reply 'STOP' to one of our text messages. Alternatively visit our home page and click on the SMS Opt Out link at the bottom of the page. After unsubscribing we will then discontinue sending you messages as soon as technically feasible. In most cases within 48hrs
- You do not meet the eligibility criteria of the lender, such as age, income, employment, residency, or homeownership
- Your level of disposable income is too low to afford repayments
- You have provided incorrect or incomplete information on your loan application
- You have made multiple loan applications in a short period of time
- If we are unable to match you with a suitable loan, we may offer alternative financial products and services, including those from other credit brokers and credit-building tools. Please note that some of these services may charge a fee for access
- For more information, please visit www.scoresmatter.co.uk