A transparent loan service that keeps you in control.
No broker fees
Clear upfront loan cost
Your data is secure
3 to 24 month loans
Cash in 10 minutes²
£100 to £5000† available
We have made the online process as simple and clear as possible. To apply for a loan, follow these 3 simple steps.
It’s simple, fill out the application form as accurately as possible – we only need some basic details.
Get a Decision
When you have submitted your application, you will receive a decision within 60 seconds†.
Review your loan details carefully. If you approve, the money can be deposited in 10 minutes².
Our online service is 100% FREE to use. We do not charge any upfront fees. The cost of loan is always clear – you are in control.
|Amount||Term||Monthly Repayment||Total Repayment||Interest||Interest Rate||Representative APR|
|£1,000||24 months||£77.48 per month||£1,859.52||£859.52||70% PA (fixed)||97% APR|
|Monthly Repayment||£77.48 per month|
|Interest Rate||70% PA (fixed)|
|Representative APR||97% APR|
APR rates range from 45.3% APR. to 1575% Max APR. Your APR rate will be based on your circumstances. Please refer to the lender you are matched with for their rates.
We’re here to help. If you have any questions, please don’t hesitate to contact us.
You are eligible to use our loan matching service from ThisLender if you answer ‘yes’ to these following questions:
As we are a broker, we are not involved in the cancellation process. If for any reason you decide to cancel the loan, please contact your lender directly and refer to the cancellation policy that is outlined in your loan agreement.
ThisLender is a broker that offers flexible loans that suits your lifestyle. We have made the process free-to-use, simple and as clear as possible.
There are 3 easy steps to complete the loan application process:
Step 1 – Complete the online form. We only need a few details, and there’s no paperwork or long winded questions to answer.
Step 2 – Our online loan matching technology will quickly match you to a suitable loan lender on our panel – it’s that easy!
Step 3 – If you are approved, you will be transferred directly to the lender’s website where you will be able to complete the final part of the loan process. Please review the loan offer carefully and make sure you are happy before deciding to accept the loan or not. If you are happy with the loan, sign the loan agreement online and receive your loan from your lender.
Funding times will vary depending on the lender you are matched with. The bank you use and the time of day you make your application may also have an impact.
Absolutely not. As a broker, we work closely with many lenders who will consider applicants with a poor/bad credit history.
As a broker, we do not charge you any fees for using our service.
Each application is assessed by the lender, and the exact APR percentage rate will be given to you before you approve the offer. The charges including fees are given to you in a clear way that you understand them fully and clearly, the terms and conditions of the loan are also given to you before you proceed so that you are happy with all aspects of your loan offer.
No, you do not need to be on the electoral register to apply with us.
For clarity, once you have received your loan amount, if for any reason you think you will not be able to meet the arranged repayments, or if you think there will be any difficulty repaying any part of your loan, then you must contact the lender of your loan directly as soon as you become aware.
Contacting the lender quickly will provide you with the best opportunity to maybe reschedule your loan repayments or discuss further options in more detail to avoid adverse action. Changing repayments of your loan amount could incur further charges or interest, the details of which can only be discussed directly with the lender of your loan. If no attempt is made to contact your lender and update them on any circumstantial changes or make the lender aware of any difficulty in paying back what you owe; they reserve the right to pass on your details to third party debt collections agencies or organisations that will attempt to recover the debt.
Lenders usually reserve the right to utilise the Continuous Payment Authority to continue to attempt to take payment from your card up to 90 days past your due date. This is only done if it is in line with the terms of your agreement. Please check the terms and Conditions on your signed loan agreement for details.
Non Payment Implications
The implications of non-payment of your loan could include adverse details being included within your credit report. This could adversely affect future attempts at securing credit or finance, in addition to further charges potentially being added by the lender. Where you miss a payment entirely, you will often incur a charge/fee that will be added on to the total amount that you owe. Upon a missed payment, lenders will often try to contact you by telephone or letter in order to recover the funds, and they may be able to arrange a new re-payment date with you. If you are struggling, or think there is a possibility that you will not be able to meet repayments, ThisLender strongly recommends that you contact the provider of your loan in the first instance.
Important things to remember
– Don’t borrow money if you think you will struggle to pay it back
– Don’t ignore the situation, contact your lender as soon as you think you may struggle to repay.
Please be aware that if do not repay your loan at the agreed date between yourself and your loan provider, this will result in your loan provider reporting your case to the Credit Reference Agencies; which may have a negative effect on your credit score. This may negatively impact your ability to obtain credit in the future for services such as car finance, mobile phone contracts or satellite TV subscriptions. If you default, you may be charged a collection fee (which varies from one lender to another), plus interest on the balance outstanding at the interest rate payable under the agreement. You must pay your loan provider any reasonable expenses and costs that may be incurred in taking steps to enforce (for example, via County Court Judgments), or attempt to enforce, the lender's rights against you under your agreement.
Your provider may be willing to renew your loan based on your current circumstances. If you’d like to do this, you should contact them as soon as possible. The loan provider may be able to offer a better deal if you have paid back your existing loan or offer different terms based on your current circumstances. If you are late with your payments or you don’t pay at all, then this could lead to potential further interest and charges being added to your account.
18 November 2019 By Kara Copple
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