help

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How to apply online
Information that you must provide
Credit scoring
What to do if turned down
Other resources

how to apply online

• Decide what type of loan product interests you
• Select the appropriate application form after clicking on the 'apply' button
• Preview or print out the application form and prepare your information
• Complete all relevant boxes which takes around 15 to 20 minutes
• Click once only on the 'Agree & Submit' button
• You will get on screen confirmation that your application has been submitted

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information that you must provide

• Full names (not nicknames), dates of birth, titles of all applicants
• Full address or previous addresses to account for the last 5 years
• Income(s) as an annual figure before tax, or gross if self employed
• Mortgage details including amount outstanding, monthly repayments
• Your rent and landlords details and if there are any arrears
• Your occupation(s) & time employed over 3 years at least
• The number and values of any arrears or CCJ's if any
• If you are on the Electoral Roll

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credit scoring

• Applications are not credit scored if asking for a quotation
• Lenders will credit score applications that have been submitted on your behalf
• If you do not want credit scoring then use the 'Optional - Further information or special instructions' box provided at the foot of every online application form.
• Some lenders do not credit score

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what to do if turned down

• It is possible to reapply if the reason for which you may have been turned down has been corrected
• For example Mortgage Arrears or CCJ's may have to be paid off from your own earnings and income first rather than borrowing
• Most existing loans including credit cards can be restructured to spread the repayments if you speak to your lender. However you must take independent advise first. Credit cards will become unusable if you have difficulties keeping up with repayments
• Properties with negative equity usually correct themselves with time although it is currently all plans have been removed
• In the event of undue strain or hardship the 'Citizens Advise Bureaux' may be found helpful & supportive
• Debt advise is available free but applicants should seek legal advise at the earliest possible moment if lenders threaten. A small fee may be payable for consultation

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other resources

FAQ - frequently asked questions

LOAN PLANNER - for secured loans

SITE MAP - site map and loans directory

TOC - table of contents

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