Responsible Lending

In order to achieve this, before lending, we will:

• Assess your creditworthiness and may ask for information to help us determine whether it is responsible for us to lend on each occasion.
• Consider each lending decision individually on the basis of what we know about your circumstances and credit repayment history.
• Only lend an amount that we are reasonably satisfied that you are able to repay over the term of the agreement.
• Never encourage you to borrow more than you can reasonably afford to repay.
• Never try to hide or disguise any charges.
• Ensure all our marketing materials are clear, fair and not misleading.

To also help ensure we lend responsibly we ask that you:

• Provide us with the required, up to date documentation (payslip & bank statement)
• Accurately declare all your current financial commitments
• Inform us of any impending, known or possible changes to your circumstances which could impact on your ability to maintain your repayments eg. Redundancy, retirement etc
• Consider carefully the amount you want to borrow
• Ensure you can comfortably afford the repayments over the term of the agreement
• Ask us questions if you are unsure about anything related to your loan

Please be aware if you are taking a top up loan this will extend the period of your repayments. This extension will normally be between 12 & 15 months.

If, at any point during your agreement, you have difficulty maintaining your repayments, please contact us as soon as possible and we will offer assistance appropriate to your circumstances.