If you’re applying entirely online, through the app or in one of our stores, then your money will be with you really quickly. This will usually be within 2 hours or at the very latest by the end of the next day.

If you’re going old school and doing it by paper or over the phone, you’ll still need to sign your Loan Agreement. As soon as we’ve got what we need from you, we’ll send your money to the bank account you’ve told us to send it to. Again, this will usually be within 2 hours or by the end of the next day.

You don’t need to bank with us to apply for one of our personal loans — but you do have to:

• Be 18 or over.
• Have a good credit rating.
• Have a UK bank account.
• Have a debit and/or credit card.
• Live in the UK.

Not a problem. As long as you complete your application within 28 days of starting it, you can click or tap the ‘Save and Exit’ button as often as you need to. To get back to it whenever you like, go to our personal loans page and click or tap on 'Finish my application'.