When you apply you’ll get a quick decision. If we’re able to offer you a loan we’ll send out documents for you to sign and return to us. If it's just you applying, you've applied online and we need no supporting documentation you may be able to sign your agreement digitally and get your funds quicker. Other applicants should receive your documents within 5 days of making your application. Once we’ve received your signed documents and any additional information we’ve requested, and we’ve checked this to make sure everything is OK, we’ll make our final decision.
If you need your documents quickly, we offer an optional courier service for £50 which means you could receive your loan documents faster. Next day delivery is available to bookings made before 4pm Monday to Thursday. Delivery is available between 9am-10pm Monday to Friday with a reduced service on Saturdays. Saturday service may not be available for Northern Ireland or the Highlands and Islands.
A charge of £50 for this service will be charged in addition to the first monthly payment. This is not added to your loan amount and interest is not charged.
Your funds will be deposited in your chosen account by Faster Payments, usually on the same day as the final decision is made. An electronic payment is sent directly to your bank account and the money can be withdrawn as soon as the funds reach your account.