A. We accept repayments by cash or via a slot meter (which we can install) but many of our customers now prefer to pay by debit card or continuous payment authority. Before granting you credit, we will need proof of your income and expenditure to assess affordability, which is most often supplied via customers’ bank account information. If you do not have a bank account, please get in touch with us to discuss options available, as we still may be able to help.

A. You must have a regular income and the ability to repay the loan on time. We will consider current and previous credit history as part of the affordability assessment. We obviously cannot guarantee that everyone who applies will be successful.

A. Yes. CCJ’s are taken into account and will be assessed as part of the affordability process, but we don’t automatically refuse people with CCJ’s.

A. Your first repayment is normally due 1 month after you receive the goods. Payments can often be tailored to suit you, weekly, bi-weekly or monthly.

A. We conduct affordability assessments because we are a responsible lender. An affordability assessment is a straightforward series of questions and checks, to establish that the credit agreement is both right and affordable for you. By reviewing your current income and outgoings, we can best establish that your repayments will be sustainable throughout the term of the agreement and that you don’t get into any undue difficulties.

A. Yes. Circumstances can change and we need to establish that the agreement is both right and affordable to you at the time.

A. We require proof of income, such as the most recent wage slip or benefits letter and proof of your regular monthly outgoings (bills etc). We usually require a minimum of 1 month’s bank statement. We also require proof of ID and address. This can include photographic ID, bank statements, utility bills and benefits letters.