Getting started Am I eligible to apply? We welcome all credit histories but we do have basic criteria that you need to meet. To apply you must: Be at least 18 years old. Be a UK resident. Have a regular source of income. What information do I need to apply? You'll need to provide the following information: Address, employment and bank details. Details of your regular income and outgoings. You'll also need: A bank account with a debit card. A valid email address and mobile number. Your employment details will be used for verification purposes only—your employer will not be contacted. What counts as regular source of income? Your income must come from on of these: Full-time, part-time or temporary work Self-employment Pension Disability benefits Other regular benefits Can I apply after working hours and at weekends? You can apply with us any time or day. Many of our lenders operate extended working hours and weekends, so the short answer is: yes. However, we always recommend that you apply during normal working hours if possible (Mon–Fri, 9am–5pm) to ensure the best outcome. If you apply out of hours and your application is accepted by a lender who cannot finalise your agreement straightaway, funding will usually happen the next working day, subject to final approval. Can I apply over the telephone? We only accept online applications. If you're having problems applying online or have any worries about doing so, please get in touch and we'll do our best to find a solution. How much can I borrow and for how long? You can borrow between £100 and £3000 in multiples of £100 and choose a repayment term over 1 to 24 months. In the event that the exact amount and term aren't available to you, you may be offered an alternative option.