Smiling woman

Call us FREE on:
0800 061 2453
 



Credit cards

Bad Credit Loans

Been refused credit? CCJ's? Arrears? Bad credit is no problem. We have access to bad credit loans with no upfront fees.
more bad credit loans...

Money safe

Secured Loans

We can provide low rate secured loans from reliable lenders and a quick decision.
more secured loans...

Row of houses

Home Loans

We can provide low rate home loans from reliable lenders and a quick decision.
more home loans...

What's your score? 125x125

Paper money

Apply Online NOW!!!

Complete our secure application form - it only takes a minute!

Loans Officer - smiling loan officer (lady)

Our Loans Process

What happens when you apply for a loan using our secure online application?

On receipt of your completed application form you are allocated to one of our highly experienced loans officers. It is their job to underwrite your application and find you the best rate.

Apply Now Image

Using their experience and expertise, the loan officer responsible for your loan will evaluate your application and then look to shortlist the best lenders where your credit profile and loan requirement fits within their criteria and requirements. Most of the loan plans are now listed on computer systems, so matching your requirement to the best plan is made a lot easier and ensures that you get the best rate available.

Once they have identified what is available they will then call you back to discuss their findings. They will explain to you all the details of the best one or two of the loans that you qualify for, costs, options loan terms etc. They will also discuss with you any other benefits or alternatives that are available.

Apply Now Image

Assuming you are happy with the quote they will then send you copies of the loan documents and credit agreement by post along with a completed loan application form for your signature. There will also be a list of any supporting paperwork that the lender may require.

You will now have a 14 day 'cooling off period' After 7 days, you will be sent the credit agreement and loan documents that will this time require you to sign them in the presence of a witness. You will then need to return these documents to the loan officer along with the signed loan application. You do not have to wait for the cooling off period to finish before you return the documentation, but be aware that the loan officer will not be able to contact you during the cooling off period.

Once you have returned the credit agreement and other documentation to our loan officer, he will then arrange for any supporting evidence that the lender may require. For example, a valuation of your property may be required, and also references may be required to be taken up. All of this will be arranged and paid for by your loan officer. You will not be asked to pay for anything upfront.

Apply Now Image

A cheap loan can offer you.....

  • Lowest interest rates
  • Borrow up to 80% of property value
  • Plans available for self employed with no accounts.
  • Loans from £5,000 to £100,000
  • No repayments for 6 months on some plans
  • Bad credit history is no problem
  • No upfront fees

Referral to the Lender


On receipt of your credit agreement, loan application and supporting documentation, the loan officer will then compile your application along with all of the supporting documentation that the lender requires, Once the application is complete, your application will be sent to the lender for pay out. When the lender receives the application, they will go through it and evaluate the application. Because the loan officer works within the guidelines of the lender, it is usually a formality that the lender checks everything over. Once the lender is satisfied that the application fits their criteria, the loan application is passed through to be paid out. Quite often, the lender will contact the client just to confirm that the client is totally happy with everything. Once everyone is happy to proceed, the lender will make the bank transfer and transfer the loan money into your bank account.

Apply Now Image

In some circumstances, it may be a requirement of the lender that an existing loan is cleared. In order to ensure that this actually happens, the lender may clear the loan on your behalf using funds from the loan.

Because of the 2 week cooling off period, organising a property valuation and getting all of the required documentation in place, the whole loan application process can take around three to six weeks. On average, it is about a month. Things can be made quicker by returning documents promptly to the loan officer, but there are certain things that just have to run their course.

Partner logos

Loan Arrangers is a trading name of Inter Financial Limited, Mont Crevelt House, Bulwer Avenue, St Sampson, Guernsey GY2 4LH. Consumer credit licence number 0625509 Company number 47014. Inter Financial Limited is not a bank or lender of any kind, we are a licensed credit broker and intermediary. Inter Financial does not charge any fees for its service, We will receive a commission from the partner your application is allocated to on completion of your loan. Some of our partners may charge you a fee, as such you should make sure you are aware of any fees before you decide to proceed with them.

Consumer Credit Trade Association Logo   Inter Financial is a proud member of the CCTA see below our commitment to you!
CCTA code of practice | Code of Practice Addendum 25th July 2012 | CCTA Customer Charter

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT
Rates from 7.9% APR, to 20.1% APR are available, our highest rate is for customers with adverse credit problems.
A fee of up to 10% may be charged.
Typical 17.9% APR Variable