A credit check will show us information from other loan providers, gas and electric companies and catalogue companies.   We carry out a credit check to see what your current credit commitments are and how you are managing them.

Making a loan application will not affect your credit score.  We only inform the credit agency when we have approved your loan. This is to let them know how well you are managing your repayments.

We realise that things happen which means you may miss some credit payments. That's why we talk to you about missed payments during the loan application to understand why and if a loan now is affordable for you.

Yes, you can apply for a new loan and we will talk to you about the reason you missed payments and if a loan is affordable for you. If you have missed a payment recently we will ask that you wait a month from your last missed payment before you apply for a new loan.

First of all, don’t worry, we understand that things change and we are here to help. The important thing is to talk to us as soon as possible as we will work with you to agree an affordable repayment plan that works for you. We also may be able to offer payments breaks and interest breaks on your loan. Call us on 0345643 1553 or choose Get In Touch on the menu above.

If you need any support with debt or money worries these advice services could help. They offer free and impartial money advice that could help with your finances.

Step Change Debt Charity – 0800 138 1111  www.stepchange.org

Money Advice Service – 0300 500 5000  www.moneyadviceservice.org.uk

We don’t charge late payment fees but your total cost of credit may go up if you make your payments late as you won’t be reducing your balance. If you don’t make payments and we take your loan to recoveries we will add the court fees to the balance you owe us – but don’t worry, you will have lots of chance to discuss your loan with us if you are struggling, before it reaches that stage.