Key information

Thinking about applying for a loan with us? We want to make it as easy as possible for you.

Make sure you understand how our loans work and what you need to consider before you apply.
 

Important features of personal loans explained

This table summarises key product features of the different types of loans we offer and is not intended to replace any terms and conditions:

Lending criteria

To apply for a loan with us you must:

• Be at least 18 years old

• Have a phone number

• Have a gross annual income of over £7,500

• Be a UK resident (excluding the Channel Islands and the Isle of Man)
   

What we don't lend for

There are a number of things we won't give you a personal loan for, including:

• Business purposes

• Buying property (or a property deposit)

• Investment or gambling

• Illegal purposes

For a full list of what we can and can’t consider, check our lending criteria and exclusions.
 

What you’ll need to apply

Ready to get a quote? To make it easier for you, please have these to hand:

• Your home address for the past three years

• Your sort code, account number and the date when you opened your account

• Details of your monthly incomings and outgoings

• Your employer's name and address

• Your Nectar card number (if you have one)

For more useful information, including how to get support with your application, add your borrowing needs into our loans calculator and select ‘Apply now’.
 

Helpful guides

Want more general information about loans? We have a whole library of handy guides worth a browse, including a helpful glossary covering more loans terminology.