Online banking

Online banking

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How long will it take to get my loan?

If you apply online, we try to give an instant decision to confirm if you are accepted, whether we need further information (see below), or if you're declined.

If you’ve been approved, we will either send you some paperwork to check and sign, or where possible you can sign your loan agreement digitally. We’ll then use Faster Payments to send the money directly to your bank account. Faster Payments can take up to 48 hours and the money can be withdrawn as soon as the funds reach your account.

If you apply over the phone or we require some supporting documentation:

  • If you are approved, we will send you a credit agreement for you to sign and return.
  • If you are approved in principle, we will send you a credit agreement to sign and return and a list of any other documentation we require.
  • If we can’t lend to you, we will let you know.

It may take between 5 – 10 days for us to check everything is ok. As we try to do this as quickly as possible, we do not send an acknowledgment email or letter, but will inform you as soon as a decision has been made. Once your returned agreement is processed, we use Faster Payments to send the money to your account.

If you gave us your mobile number during your application we will send a text when the funds have been sent to your account, followed by a welcome letter.

Should you need more information or have any questions, please call us on 0345 600 6016* (Monday to Friday 8am - 10pm, Saturday and Sunday 9am - 5pm).

Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.


Hi @SpecialSarah76, I've just responded to you privately :-)


Hi, I applied for a loan online 10 days ago. It said I would hear with 2 days but I still haven’t heard anything. Can I get an update please? 



Hi @Dav100, I can see that we've replied to your private message.


Can I check when I will receive my money.

Hello @Boris662, thanks for getting in touch. If you could please private message @CET with your full name, DOB and postcode, I'll be able to check this for you - Caroline


Hi i applied for a loan a couple of weeks ago and was accepted in principal. Send back all requested forms but have not heard anything back? Can u assist? Many thanks

Hi @Royford1207, thanks for getting in touch.  Can you please send a message to @CET with your full name, DOB and postcode so we can look into this for you? - Thomas