Can I Get A Loan & Other FAQs

We have listed a selection of frequently asked questions received from our customers, from “can I get a loan?” to “how much can I borrow?” and everything in between. Simply click on the question to find out the answer!

To be eligible to apply for a Simple Fast Loan, you must:

  • Be at least 21 years old,
  • Be a UK resident
  • Have a UK bank account, debit card    –and–
  • Have a mobile phone.

The fastest way to apply for one of our standard personal loans is to apply online. We provide online decisions and money within 60 minutes (once application approved).

You need to be at least 21 years’ old, currently in employment with a regular income & resident in the UK with a UK bank account.

With our personal loans you could borrow from £250 to £1,000. For first time customers applying for our standard 18 month personal loan we lend up to £500 (subject to eligibility and affordability).

We aim to transfer the money within 60 mins after you have been approved within our office opening hours: Monday to Friday: 8am to 8pm and Saturday: 8am to 5pm.

You can choose monthly, fortnightly or weekly instalment loans.

We offer Continuous Payment Authority (CPA) repayments as it’s a convenient choice for our customers. CPA is simple to set up as all you need is your debit card details.

You will be giving us a permission to collect the agreed repayments when they are due, so you don’t need to do anything when it comes to your repayment date, the money will be transferred automatically. Also, there are no charges if your bank declines payment due to insufficient funds when we try to collect your repayment.

You can also make payments online using our online payment portal.

Payments can be made safely and securely online using our online payments portalYou will need your agreement number and a bank debit card to make this payment.

You can use the following debit cards when making a payment online; Visa Debit, Debit MasterCard, Visa Electron and Visa Delta. Please note we do not accept Credit cards or American Express.

After entering your card details, and confirming you want to continue with the payment, there will be a short delay while your card details are validated.

Payments are processed during business hours.  The confirmation you receive at the end of the payment process is to confirm that we have received your instruction.  We will then apply your payment to your loan on the next working day and send you an SMS to confirm.  If, for any reason, we are unable to apply your payment we will cancel it and send you instructions on how to proceed.

Please note that although card payments are usually deducted from your account within 24 hours they can take up to 5 working days.

We appreciate that circumstances can change. If you do suffer a change in circumstances you should get in touch with us immediately. We will do everything we can to work with you to find a solution.

As a responsible lender we do undertake credit checks to establish if the loan is suitable for our customers, and to help us assess affordability.

Head Office is open from 8am-8pm, Monday to Friday and 8am-5pm on Saturday.

We are a direct lender, not a broker. We do not charge any set up or early repayment fees.