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FAQ | Uloan


How do you earn your money?
We DON’T CHARGE YOU – we charge the lenders. We are a broker so we charge commission to the lender you chose for your loan. Simple as that. But that commission has no baring on which lenders we find for you. We are totally unbiased. We promise.

I need to see your Renewals Policy and Responsible Lending Policy?
No problem – click here. We are dedicated to providing the best service and being open and honest. That is why all our policies are readily available.

What exactly are the loans you can find me?
A short-term or payday loan is designed to cover any expenses you can’t meet while you wait for your next payday. It does not matter when you apply for a payday loan the full amount will be due the next time you get paid. Lenders usually charge a fee per £100 borrowed.

OK. What is an instalment loan then?
These are usually slightly longer in duration – between three and 18 months – and of higher value, around £2,000 maximum. Because it is paid back over a longer period the interest rates are smaller.

Can I apply?
As long as you meet certain criteria then yes you can apply. See our Am I Eligible page to find out more. But please first make sure you can afford your repayments.

How do I apply?
It could not be simpler – complete the form and find out there and then if you have been approved. Once you have you’ll be transferred to the lender’s website. We are open and operating 24-hours a day, seven-days a week. Whenever you need us we are here. And most lenders work around the clock too.

I am worried about how high the APR is
It does appear that way – but let us explain. In a bid to make things easier for consumers all financial sector firms must represent interest rates using the Annual Percentage Rate. You might more commonly recognise it as APR. Now, for longer-term loans this calculation does the trick really well. But it is flawed for the types of loans we help you find. Although we will keep telling you the APR, a better way to compare short-term loans is by looking at the overall cost and deciding whether you can afford it.On the face of it the payday loan has a far higher APR – but pound for pound they are usually cheaper. Let’s say the repayment period for an unsecured personal loan of £15,000 is five years. The total fees paid at the end of that agreement would be £4,981.92 – or 33.2% of the money borrowed.Now let’s match up a payday loan charged over a 30-day period with a far higher APR. However because the timescale is much shorter the overall cost per £1 borrowed is lower – YES LOWER – with the short-term agreement.

How do I settle my loan?
Once you have got to your next payday the lender will normally take the money directly from your account. You don’t need to do anything. For instalment loans the same will happen but on an agreed date each month for the length of the agreement.

Do you use credit scoring?

I have no chance then – I have bad credit history
Apply and see. Many of our lenders are willing to consider people regardless of their history.

How do I get the money?
Again – simple. It is put straight into your account. It will be paid directly into your bank account.

Do you charge any fees?
ZERO. ZILTCH. NOTHING. It’s FREE.The only time you will be asked to agree to a fee is if we recommend another trusted broker to help you search for the right instalment loan for you. If you need to consider an extended bank of lenders then a new broker – which we can put you in touch with – might charge a fee. Of course, you are under no obligation to agree to this. If you are not interested in seeing these types of brokers simply opt out during the application process and we won’t waste your time.If you do agree to the fee it will be taken via the broker’s secure website. BEWARE – no-one from uLoans or any of our financial industry partners will ever contact you to ask for money or for you to purchase goods. If this happens you may be a victim of fraud. Find out more here.

I am still getting your marketing emails and texts – can I stop them?
Click unsubscribe on one of our emails.
Go to the Home Page and click SMS Opt Out.Reply to one of our texts ‘STOP’.It will usually take about 48 hours for us to cease sending them out.Visit the Support Centre – they will help. Our address, if you need it, is: 1st Floor, 2 Woodberry Grove, Finchley, London, N12 0DR

What if I have difficulties paying?
This is simple as well. CALL YOUR LENDER. As soon as you have the slightest concern that you will not be able to make a payment you need to start talking. This way the lender can do everything possible to help you find a way through your difficulties.StepChange
www.stepchange.org0800 138 1111Money Advice Service 500 5000National Debtline
www.nationaldebtline.org0808 808 4000

Get Cash Now


7 days

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

uLoan uses a system of algorithms to match your needs to the loans available. We are a broker not a lender. We don’t charge for this service. Not a penny. We match the loans on the basis of your preferences, the products available and the application. The commission the lender pays us does not affect the loans we show you.

We won’t charge you and no firm or organisation linked to us will ever ask for payment or to buy products in advance of you receiving your loan. To learn more about cold-callers and how to deal with them click here.

Instant cash loans from £80 to £750

Get an instant decision online and payment direct into your account.

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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.