Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

Flexible Loan

What is a Flexible Loan?

A Flexible Loan (sometimes called a flexi loan) permits you to increase or decrease the amount borrowed, or to vary the repayments. In some cases they may allow you to miss the occasional payment, as set out in the Credit Agreement.


Q: What is assessed when applying for a flexible loan?

A: Like most other loans, your credit history plays a big part in deciding whether or not you may be eligible for a flexible loan, but depending on which lender you approach you may find they have their own additional criteria such as how long you’ve been a customer.

Q: How long does it take for the money to come through?

A: These days if you apply online, the money could be in your account the same day, subject to approval. Applying over the phone or in person in-branch may take longer and waiting times may change depending on the lender.

Jargon Buster

Use the links below and the resulting list of terms on the right to locate the term you are looking for. If you can't locate it, please get in touch.

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