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Credit Broker Responsibility | Uloan

Credit Broker Responsibility

We have very high standards. We will always keep them. You need to do your bit too. Read on …

uLoan’s vow:

  • We WILL NEVER charge any fees

  • We WILL NEVER target people in financial distress

  • We WILL NEVER bully people to agree to loans not in their interest

  • We WILL NEVER share your data with unlicensed lenders

  • We WILL only do business with fully licensed lenders

  • We WILL give you a completely free, unbiased and independent loan matching service

  • We WILL uphold the standards of the industry and even go further

  • We WILL protect your data and information throughout the process

Your vow to uLoan:

  • DON’T take out another loan if you are already in trouble – get help

  • PROMISE you’ll read every part of your loan agreement before signing

  • BE SURE you understand how much you need to repay and by when

  • ONLY agree to borrow what you can afford

Need more help with the process? Contact us at

WARNING: Making late payments is likely to cause you dire money problems. For help visit

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7 days

You pay back:     £352.80
Total loan cost: £72.80*

As a registered and regulated broker there are lots of rules we have to keep to. We are proud to say we take this very seriously. And although the legal stuff might seem boring it is VITAL you know it too. So take a few minutes to read what follows before you apply.

Treating customers fairly

Principle 6: Pay due regard to the interests of customers and treat them fairly.Principle 7: Communicate with customers in a manner which is clear, fair and not misleading.

Authorisation and consent: CONC 2.5 prohibits firms from taking a fee from a customer’s bank account without express authorisation. We expect the amount or likely amount of the fee to be disclosed as early as practicable in the process.

Sharing of personal information: CONC 2.5 also prohibits firms from unfairly passing customers’ personal data – including payment details – to third parties, without consent or for a purpose other than that for which consent was given. This is also likely to breach the Data Protection Act.

Advertising and marketing: CONC 3.3 requires financial promotions (including websites) to be clear, fair and not misleading. Firms must not mislead as to their identity or status, for example by stating or implying that they are a lender where this is not the case.

Transparency of status: CONC 3.7 requires brokers to make clear in financial promotions and other documents intended for customers their status, including the extent of their powers, the nature of the service they provide and any links with lenders.

Transparency of fees and commissions: CONC 4.4 deals with fee disclosure and CONC 4.5 with commission disclosure. Any fee payable by the customer must be disclosed at an early stage and agreed in writing before a credit agreement is entered into. The disclosure must include how and when the fee is payable and whether a refund may be available.

Refunds: Section 155 of the Consumer Credit Act entitles the customer to a refund (less £5) of any brokerage fee if a credit agreement is not entered into within six months of an introduction to a source of credit, and CONC 6.8 provides guidance on this. A broker should respond promptly to any request for a refund.

IMPORTANT: uLoan IS NOT a lender. uLoan IS a licensed broker. We work only with the UK’s top direct lenders. We aim to find you a short-term loan at the very best rates. We compare dozens of lenders instantly – and it is quick, easy and best of all FREE.

WARNING: Missed or late repayments will cause you serious money trouble. Need help? Go to

SECUREYou data is safe – 100%, all the time, forever.

We have built unrivalled relationships with lenders. They trust us and we trust them. We will find you the best deal on the market.

Instant cash loans from £80 to £750

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Consumer Advisory: uLoans is a matching service. We take the information you provide and match it up to a lender. Upon approval, the lender may need more information from you. They will collect this via their website, email or the phone.

Terms, conditions and policies are different depending on which lender you use. Late or missed payments are likely to mean increased fees and interest rates.

Not all lenders will offer up to £750 in payday loans, and not all applicants will be approved for the full amount they want. Loan repayment periods vary by lender also. Lenders are likely to use collection services for non-payment of loans.

Representative 1223.6% APR

Representative Example: 1223.6% APR variable. £100 borrowed over 30 days would equal total borrowing of £124.00. Actual Interest is 24%.

Note: the APR you pay may differ depending on the lender that accepts you.

© Atlantic Square Ltd 2019 | Registered In England No. SC182075 is authorised and regulated by the Financial Conduct Authority. Interim Permission Number: 659330. Data Protection Reg: ZA007304

Address: Caledonia House, 89 Seward Street, Glasgow, G41 1HJ.

*Fund transfer times may vary based on the matched UK money lender, time of day applied and your bank.