Got your back

  • Rates from 35.9% APR
    Rates from 35.9% APR
  • Honest credit guidance
    Honest credit guidance
  • Fixed monthly payments
    Fixed monthly payments
  • Late fee refund
    Late fee refund
  • No interest on your birthday
    No interest on your birthday

Understand your credit profile

Complete our short credit questionnaire below to find out more about your best borrowing option.

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Top 10 tips on how to improve your credit rating

  1. Check your Credit Report

  2. Cancel unused credit cards

  3. Spread out credit applications

  4. The right address really matters

  5. Get on the electoral roll

  1. Get a landline phone

  2. Keep your credit links clean

  3. Stay within credit limits

  4. Pay all bills on time

  5. Demonstrate stability

Lending Facts

APRs matter: An APR (Annual Percentage Rate) explains how much your borrowing will cost over one year.

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A low APR is ranked in the top three considerations by 88% of people
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77% don’t know how an APR is calculated

True or False?

  • If you have a low salary you have a low credit score. Incorrect: Credit score is not based on salary, more on how you manage your finances. Correct! Credit score is not based on salary, more on how you manage your finances.
  • You can improve your credit rating by speaking to your bank. Incorrect: Your bank has no direct way of improving your rating, though they can help you with other money matters. Correct! Your bank has no direct way of improving your rating, though they can help you with other money matters.
  • Changing jobs a lot reduces your credit score. Incorrect: Your credit score should not be affected by changing jobs, but it might affect your ability to get a loan as it may suggest financial instability. Correct! Your credit score should not be affected by changing jobs, but it might affect your ability to get a loan as it may suggest financial instability.