Terms and Policies

Cookie Policy

By using our website, you consent to our use of cookies in accordance with the terms of this policy

About cookies

A cookie is a piece of information in the form of a very small text file that is placed on an internet user's hard drive. It is generated by a web page server, which is basically the computer that operates a web site. The information the cookie contains is set by the server and it can be used by that server whenever the user visits the site. A cookie can be thought of as an internet user's identification card, which tell a web site when the user has returned.

Cookies are either ‘persistent’ or ‘session’ types. A persistent cookie will be stored by the user's browser until its set expiry date (unless deleted by the user beforehand), whereas a session cookie will expire at the end of the user session, when the web browser is closed.

How we use cookies

We use both session cookies and persistent cookies on this website. Listed below are the cookies we use with an explanation of how we use them.

ASP.NET_SessionId (session)
Contains a unique session identifier which allows our web server to recognise a user throughout a visit - essential to make the site work.
InstantLolly_CookieNotice (persistent)
Ironically, used to prevent the cookie pop-up notice from showing repeatedly.
_utma, _utmb, _utmc, _utmz (persistent)
Google Analytics is used to collect anonymous information about our visitors, including their location, the technology they use, and the way they use our site.
IMPORTANT INFORMATION

If you do not make your minimum repayment by the agreed upon due date, you may incur additional charges and penalties. If you are having problems paying, please call your credit provider. For other sources of assistance, visit www.mymoneysteps.org; call the Step Change Debt Charity on 0800 138 1111; or National Debtline on 0808 808 4000; or visit moneyadviceservice.org.uk; or visit your local Citizens Advice Bureau.

Loan approval: All loan offers are subject to lender final approval. Approval/transfer times vary by lender. Not all lenders may be able to transfer funds in 15 minutes. Approvals/transfers may take longer for applications processed outside normal working hours. If your bank does not support faster payments, it may take longer for funds to reach your account.

Credit checks: When assessing your eligibility for a loan, lenders will carry out a soft search; only you can see them on your credit report and they have no impact on your credit rating. If you accept a lender's loan offer, they will perform a hard credit search, which will be visible to any company searching your credit report for 12 months.