How it works
From application to funded in four steps
No queues, no phone calls, no waiting weeks for a decision.
Step 01 · 2 minutes
Calculate and apply
Use our calculator to preview your terms, then complete our short application form.
- No paperwork or branch visits
- Soft credit check first
- Save progress and return later
- Works on any device
Step 02 · 30 seconds
Instant assessment
Our AI connects securely via Open Banking for a fair, personalised affordability check.
- Read-only access to transactions
- Assessed on real income and spending
- Decision in under 30 seconds
- Your data is never sold
Step 03 · 1 minute
Review and sign
Review your personalised offer with fully transparent terms before you commit.
- See total repayable upfront
- No hidden fees or charges
- Digital e-signature
- Download your agreement instantly
Step 04 · Within minutes
Funds in your account
Once signed, money is sent via Faster Payments directly to your bank account.
- Same-day funding, 24/7
- Instant confirmation notification
- Manage repayments in your dashboard
- Early repayment at no extra cost
Open Banking
How we assess you fairly
Open Banking lets you share read-only financial data securely. It is a regulated UK framework used by millions of consumers. We use it to understand your real affordability, not just a number on a credit report.
What we see
Income, regular outgoings, and account balance trends
What we never see
Passwords, card PINs, or ability to move money
Why it is safe
Regulated Open Banking providers with bank-grade encryption
Your control
Revoke access at any time through your bank
FAQ
Common questions
Your application is assessed by our partner lender using Open Banking (where you consent), income and spending patterns, and credit checks. This can give a fuller picture than a credit score alone.
Our initial eligibility check uses a soft search, which does not leave a visible mark on your credit file. A hard search only occurs if you proceed to accept a loan offer.
Once you sign your agreement, funds are typically sent within minutes via Faster Payments. Most customers receive money the same day, including weekends.
Yes. You can repay your loan in full or in part at any time without early repayment charges. You only pay interest on what you borrow.
Contact us as soon as possible. We offer flexible rescheduling options and will work with you to find a manageable solution. Late payment may affect your credit rating.
Yes. We use 256-bit encryption, are GDPR compliant, and never sell your personal data. Open Banking connections are read-only and handled through regulated UK providers.