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Phone for a Loan - FAQs for our bad credit unsecured loans

Now Loans Phone for a Loan - answers to frequently asked questions

0905 216 0009

I can help you with answers to questions you may have - call me today  

Our lines are open as follows:

Monday - Saturday 8.00am - 9.00pm
   
Outside of these hours you will receive a recorded message

Calls cost £1.20/min at all times (Max. duration 15 mins per call). Refund policy applies*

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Bad credit no problem

No credit checks are done by us

Homeowners & Tenants welcome

Same day payout possible on loans to £1500

No online application forms to complete - saves time and ensures confidentiality

 

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Up to £3000 with no credit check - click here for more information

Fed up with being credit checked? Struggling to find a lender who can help you? Your search is over!

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Answers to FAQs

You may have a question about our service. It may be the same as we have had from other people in which case we may have an answer below.

If your question is about the way we run our service and this FAQ section does not answer your question then you can email us (sorry - we can't accept loan enquiries by email - you will need to call us on 0905 216 0009 for these).

  • How are you able to offer instant loans up to £1500 (i.e. on the same day you receive the application)?
    • You don't have to wait for someone to call you back so there are no delays dealing with your application. We have a broad range of lenders and we are able to judge your application extremely quickly. With the advent of new technology we are able to send your application to our panel of lenders who are able to send funds to you the same day so long as your application is received in the morning.
  • How much can I borrow?
    • We offer loans in the range of £100 and £25,000. The amount we can actually lend you depends on your personal circumstances. We therefore need to speak to you to gather the information we need. We may be able to provide loans of less than £100 - please contact us to discuss your requirements.
  • Do you only offer unsecured loans?
    • At the moment we only offer unsecured loans. However, we are looking at introducing secured loans. In the short term if you want a secured loan you should apply to our sister website Now Finance
  • How are you able to offer loans without doing a credit check?
    • We do not perform credit checks or credit scoring, but some of our lenders do. They will not do these checks without your consent.
  • Why do you charge a fee for telephone calls?
    • You may already have come across other brokers who charge a fee upfront or on completion of the loan application. We don't do this. However, as with all businesses, we need to cover the costs associated with receiving enquiries. We have chosen to do this linked to the inbound phone call. However, we offer a refund policy* if you do not receive a loan from our panel of lenders. We think this is the fairest way of conducting business.
  • What if I get put on hold when I call?
    • We are regulated by ICSTIS and as such we have to make all efforts possible to minimise the chance of you being put on hold. This would only happen if all our operators were busy and all our overflow operators were too. This is rare. In normal situations you will be put straight through to a customer service representative and you will never have to listen to an automated service. We are able to provide a much better service to you than other call centres - you don't have to wait to speak to someone, and you don't have to wait for them to call you back, which they may not do.
  • When are your telephone lines open?
    • Our call centre opening times are listed on the top left of each web page.

We hope we have been able to satisfactorily answer your questions. If not, then please email us (sorry, we can't accept loan enquiries by email). To apply for a loan or to request a personalised illustration please call 0905 216 0009 now. And with our Phone for a Loan promise you need have no worries about making the call. In 15 minutes time we could have all the information we need and be getting you the unsecured loan you need. The funds could even be with you later today.

We look forward to helping you.

Typical APR 23.1% variable
Service operated by Jodrell Financial Services Ltd, 2 Haig Crt, Parkgate Trading Estate, Knutsford, WA16 8XZ.
Calls cost £1.20/min at all times (Max. duration 15 mins per call).
*Refund policy applies - refund is at standard BT rate (£1.20/min) and we cannot refund additional network charges. Copy of relevant bills required. As we try to find a loan for you for a six month period after your initial loan application calls will be refunded after this six month period. £5 will be deducted from the total refund value for administration purposes. Call the refund service line on 0845 424 1500 to request a refund. You can also use this number to praise them or to grumble about their service.

The actual rate available to you will depend upon your circumstances and the loan amount. You should ask for a personalised illustration. All loans are subject to status. Loans are only available to UK residents aged 18 or over.

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