Model repayments at 3.9% APR
Open the calculator and lock an amount/term you can sustain.
Home / Application process
From interest to funds — the path
Knowing the steps removes friction. Use this page as your checklist, then apply.
Submit the online application
About 15 minutes with ID, income and purpose details ready.
Affordability review
We assess income, outgoings and existing commitments carefully.
Offer & agreement
If approved, review terms and sign your agreement.
Funds paid out
Money is released to your nominated UK account.
Speed tip
Upload clear documents first time — incomplete files are the number one delay.
Sales tip
Apply even if you’re still choosing between two products. Momentum beats perfect browsing.
Start step two now
You’ve read the process. The application is the only step that creates a decision.